Oportun Financial Corp
Oportun Financial Corp
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Cash Equivalents At Carrying Value | 140 | 130 | 106 | 105 | 97 | 79 | 60 | 72 | 73 | 69 | 91 | 82 | |||||
Restricted Cash And Cash Equivalents | 73 | 79 | 93 | 119 | 131 | 152 | 155 | 157 | 164 | 127 | 115 | 118 | |||||
Interest Receivable | - | - | - | - | - | - | - | - | - | - | - | 29 | |||||
Loans Receivable Held For Sale Amount | - | - | - | - | - | - | - | 53 | 56 | - | - | - | |||||
Operating Lease Right Of Use Asset | 11 | 10 | 9 | 10 | 10 | 9 | 10 | 10 | 10 | 19 | 21 | 23 | |||||
Other Assets | 102 | 106 | 104 | 118 | 129 | 134 | 138 | 140 | 134 | 114 | 108 | 110 | |||||
Assets | 3,129 | 3,168 | 3,258 | 3,186 | 3,201 | 3,226 | 3,227 | 3,251 | 3,250 | 3,278 | 3,412 | 3,430 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Warehouse Agreement Borrowings | 304 | 212 | 199 | 162 | 331 | 445 | 535 | 125 | 156 | 72 | 290 | 423 | |||||
Operating Lease Liability | - | - | - | - | - | - | - | - | - | - | 28 | - | |||||
Other Liabilities | 60 | 54 | 57 | 59 | 62 | 54 | 51 | 67 | 68 | 65 | 69 | 64 | |||||
Liabilities | 2,722 | 2,771 | 2,868 | 2,802 | 2,825 | 2,860 | 2,873 | 2,924 | 2,896 | 2,896 | 3,007 | 2,989 | |||||
Stockholders Equity | |||||||||||||||||
Common Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Additional Paid In Capital Common Stock | 630 | 628 | 624 | 621 | 618 | 615 | 613 | 595 | 592 | 589 | 585 | 580 | |||||
Retained Earnings Accumulated Deficit | -216 | -225 | -227 | -231 | -236 | -243 | -253 | -261 | -231 | -200 | -174 | -132 | |||||
Treasury Stock Common Value | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | -6 | |||||
Stockholders Equity | 407 | 396 | 390 | 384 | 376 | 366 | 354 | 328 | 354 | 382 | 404 | 441 | |||||
Liabilities And Stockholders Equity | 3,129 | 3,168 | 3,258 | 3,186 | 3,201 | 3,226 | 3,227 | 3,251 | 3,250 | 3,278 | 3,412 | 3,430 | |||||
Common Stock Par Or Stated Value Per Share | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | 1,000 | |||||
Common Stock Shares Issued | 46 | 46 | 45 | 44 | 44 | 38 | 36 | 36 | 36 | 36 | 35 | 35 | |||||
Shares Outstanding | 46 | 46 | 44 | 44 | 44 | 38 | 36 | 36 | 36 | 36 | 34 | 34 | |||||
Treasury Stock Common Shares | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -5.66% | 0.09% | -2.70% | - | - | - | - | - | - | - | - | - |
| 2025 | -0.89% | 9.69% | -5.22% | 12.41% | 8.67% | -3.06% | -0.77% | 3.07% | 10.17% | -14.09% | 13.51% | 1.35% |
| 2024 | -23.53% | -34.39% | -27.15% | -3.57% | -11.04% | -14.61% | 28.62% | 28.62% | 47.91% | -30.65% | -46.98% | -15.70% |
| 2023 | - | - | - | 6.29% | 5.56% | -19.44% | -0.38% | 49.81% | 53.64% | -28.99% | 14.33% | 10.10% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.39 | 0.37 | 0.53 | 0.63 | -0.10 | -0.90 | -1.95 | -3.23 | -3.02 | -2.68 | -4.88 | -3.83 | |||||
| Free Cash Flow Per Share TTM | 8.64 | 8.77 | 8.91 | 6.32 | 6.54 | 8.98 | 9.75 | 10.22 | 10.22 | 10.33 | 10.65 | 9.80 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 90.64% | 91.10% | 91.64% | 91.67% | 91.56% | 91.53% | 91.30% | 90.87% | 90.29% | 89.59% | 88.47% | 87.02% | |||||
| Operating Profit Margin TTM | 4.22% | 3.63% | 4.61% | 4.32% | -1.27% | -7.25% | -11.50% | -17.40% | -16.89% | -13.61% | -24.00% | -19.34% | |||||
| Net Profit Margin TTM | 2.05% | 1.88% | 2.64% | 3.19% | -0.47% | -4.30% | -7.85% | -12.75% | -11.67% | -9.95% | -17.03% | -13.87% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | -2.34% | -3.81% | -4.50% | -5.29% | -5.87% | -5.79% | -5.22% | -4.05% | -0.61% | 5.07% | 10.96% | 19.39% | |||||
| Net Income Growth (1Y) | -525.95% | -141.96% | -132.09% | -123.66% | -96.20% | -59.28% | -56.28% | -11.81% | -47.92% | -53.75% | 131.47% | 165.71% | |||||
| EPS Growth (1Y) | -509.69% | -140.25% | -127.90% | -120.24% | -96.75% | -65.18% | -60.05% | -15.52% | -52.01% | -59.60% | 106.04% | 129.11% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 14.19 | 12.27 | 9.73 | 9.42 | -72.90 | -5.88 | -1.99 | -0.87 | -0.96 | -0.91 | -0.80 | -1.89 | |||||
| P/B TTM | 0.68 | 0.55 | 0.63 | 0.75 | 0.89 | 0.68 | 0.44 | 0.34 | 0.33 | 0.25 | 0.36 | 0.63 | |||||
| P/S TTM | 0.29 | 0.23 | 0.26 | 0.30 | 0.34 | 0.25 | 0.16 | 0.11 | 0.11 | 0.09 | 0.14 | 0.26 | |||||
| Market Cap | 276.48M | 218.68M | 245.56M | 288.21M | 333.45M | 249.78M | 156.58M | 112.30M | 115.47M | 94.53M | 144.18M | 276.40M | |||||
| Enterprise Value | 64.05M | 8.83M | 46.62M | 64.25M | 236.64M | 18.80M | -58.04M | -116.24M | -121.17M | -102.02M | -61.83M | 76.76M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 418.20M | 416.16M | 413.41M | 295.01M | 304.44M | 408.62M | 393.52M | 408.39M | 407.02M | 401.83M | 392.77M | 374.99M | |||||
| Net Debt | -212.43M | -209.85M | -198.93M | -223.96M | -96.82M | -230.97M | -214.63M | -228.54M | -236.64M | -196.55M | -206.02M | -199.65M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
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| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
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| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
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| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| NOPAT TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
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| PEG Ratio | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
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| Total Debt | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
Oportun Financial Corp (OPRT) — SEC Financial Statements & Analysis
Oportun Financial Corp (OPRT) is a finance services company, incorporated in DE. Oportun Financial Corp trades on Nasdaq as: OPRT. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), Oportun Financial Corp reported a -2.34% year-over-year revenue growth, a Gross Profit Margin of 90.64% (TTM), a Price-to-Sales (P/S) ratio of 0.29x (TTM), a Price-to-Book (P/B) ratio of 0.68x (TTM), at a market cap of $276.48M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- -2.34%
- Gross Profit Margin TTM
- 90.64%
- P/S TTM
- 0.29x
- P/B TTM
- 0.68x
- Market Cap
- $276.48M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is Oportun Financial Corp in?
Oportun Financial Corp (OPRT) operates in the Finance Services industry.
What is OPRT's market cap?
Oportun Financial Corp (OPRT) has a market capitalization of $276.48M as of 2026-06-30.
What is OPRT's P/E ratio?
Oportun Financial Corp (OPRT)'s trailing twelve month P/E ratio is 14.19x as of 2026-06-30.
What exchange does OPRT trade on?
Oportun Financial Corp (OPRT) trades on the Nasdaq.
Where is Oportun Financial Corp incorporated?
Oportun Financial Corp is incorporated in DE.