Oportun Financial Corporation (OPRT)
NASDAQ: OPRT · Real-Time Price · USD
7.46
-0.05 (-0.67%)
Aug 26, 2026, 4:00 PM EDT - Market closed
Oportun Financial Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 19.48 | 25.25 | -78.68 | -179.95 | -77.74 | 47.41 |
Depreciation & Amortization | 6.15 | 6.71 | 11.06 | 12.59 | 13.33 | 5.01 |
Other Amortization | 31.3 | 34.7 | 40.1 | 42.3 | 34.2 | 16.9 |
Gain on Sale of Loans & Receivables | -5.41 | -5.64 | -6.01 | -8.48 | -5.7 | -26.75 |
Loss (Gain) From Sale of Investments | 14.96 | 8.93 | -12 | -3.3 | 11.99 | 1.67 |
Asset Writedown & Restructuring Costs | 0 | - | - | - | 108.47 | 5.2 |
Provision for Credit Losses | 323.99 | 292.59 | 408.32 | 500.19 | 391.76 | 62.37 |
Stock-Based Compensation | 12.23 | 10.69 | 12.99 | 18.59 | 27.62 | 18.86 |
Net Decrease (Increase) in Loans Originated / Sold - Operating | 5.41 | 7.18 | 4.52 | 8.49 | 6.1 | 27.42 |
Change in Other Net Operating Assets | -15.07 | -2.29 | -30.26 | -21.05 | -80.74 | -10.42 |
Other Operating Activities | 27.9 | 35.29 | 43.49 | 23.4 | -181.42 | 15.77 |
Operating Cash Flow | 420.95 | 413.41 | 393.52 | 392.77 | 247.88 | 163.45 |
Operating Cash Flow Growth | 3.83% | 5.05% | 0.19% | 58.45% | 51.65% | 6.92% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
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 | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Long-Term Debt Issued | - | 2,870 | 1,737 | 945.46 | 3,234 | 2,771 |
Long-Term Debt Repaid | - | -2,926 | -1,915 | -1,044 | -2,283 | -2,020 |
Net Debt Issued (Repaid) | -129.4 | -55.72 | -178.18 | -98.97 | 951.38 | 751.12 |
Other Financing Activities | -3.34 | -3.65 | -13.04 | -5.42 | -16.85 | -5.42 |
Financing Cash Flow | -132.74 | -59.38 | -191.22 | -104.39 | 934.53 | 745.71 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | -15.79 | -15.69 | 8.61 | 2.2 | 10.86 | 24.37 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 420.95 | 413.41 | 393.52 | 392.77 | 247.88 | 163.45 |
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 | 8.66 | 8.64 | 9.75 | 10.65 | 7.55 | 5.39 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 186.24 | 194.72 | 213.97 | 183.97 | 85.78 | 46.83 |
Cash Income Tax Paid | 3.1 | 2.85 | 1.04 | -1.86 | -3.46 | 3.88 |