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Oportun Financial Corporation (OPRT)
NASDAQ: OPRT · Real-Time Price · USD
8.48
+0.19 (2.29%)
At close: Sep 23, 2026, 4:00 PM EDT
8.20
-0.28 (-3.30%)
After-hours: Sep 23, 2026, 7:30 PM EDT

Oportun Financial Cash Flow Statement

Millions USD. Fiscal year is Jan - Dec.

Operating Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Income
19.4825.25-78.68-179.95-77.7447.41
Depreciation & Amortization
6.156.7111.0612.5913.335.01
Other Amortization
31.334.740.142.334.216.9
Gain on Sale of Loans & Receivables
-5.41-5.64-6.01-8.48-5.7-26.75
Loss (Gain) From Sale of Investments
14.968.93-12-3.311.991.67
Asset Writedown & Restructuring Costs
0---108.475.2
Provision for Credit Losses
323.99292.59408.32500.19391.7662.37
Stock-Based Compensation
12.2310.6912.9918.5927.6218.86
Net Decrease (Increase) in Loans Originated / Sold - Operating
5.417.184.528.496.127.42
Change in Other Net Operating Assets
-15.07-2.29-30.26-21.05-80.74-10.42
Other Operating Activities
27.935.2943.4923.4-181.4215.77
Operating Cash Flow
420.95413.41393.52392.77247.88163.45
Operating Cash Flow Growth
3.83%5.05%0.19%58.45%51.65%6.92%

Investing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Acquisitions
------111.65
Sale (Purchase) of Intangibles
-25.09-24.33-19.19-31.26-48.89-26.48
Net Decrease (Increase) in Loans Originated / Sold - Investing
-278.01-344.42-173.62-253.48-1,117-734.36
Other Investing Activities
-0.9-0.97-0.89-1.44-6-12.3
Investing Cash Flow
-304-369.73-193.69-286.18-1,172-884.79

Financing Activities

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Long-Term Debt Issued
-2,8701,737945.463,2342,771
Long-Term Debt Repaid
--2,926-1,915-1,044-2,283-2,020
Net Debt Issued (Repaid)
-129.4-55.72-178.18-98.97951.38751.12
Other Financing Activities
-3.34-3.65-13.04-5.42-16.85-5.42
Financing Cash Flow
-132.74-59.38-191.22-104.39934.53745.71

Net Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Net Cash Flow
-15.79-15.698.612.210.8624.37

Free Cash Flow

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Free Cash Flow
420.95413.41393.52392.77247.88163.45
Free Cash Flow Growth
3.83%5.05%0.19%58.45%51.65%6.92%
Free Cash Flow Margin
56.58%57.01%51.53%44.76%28.84%28.22%
Free Cash Flow Per Share
8.668.649.7510.657.555.39

Additional Metrics

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Jun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash Interest Paid
186.24194.72213.97183.9785.7846.83
Cash Income Tax Paid
3.12.851.04-1.86-3.463.88
SEC Filings: 10-K · 10-Q