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    Oportun Financial (OPRT) stock price & financials

    View OPRT earnings calls

    Overview

    Price

    Market Cap

    Sector

    Rank

    Performance+12.5% 1Y

    Financials

    Income Statement

    Financial Trajectories

    11
    Quarterly
    MetricQ3 FY24Q4 FY24Q1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Trend
    EarningsRevenue
    $249.95M
    $250.95M
    $235.90M
    $234.35M
    $238.69M
    -4.5%
    $247.75M
    -1.3%
    $228.76M
    -3.0%
    $233.23M
    -0.5%
    Stable
    Operating Profit
    Net Profit
    -$29.96M
    $8.74M
    $9.77M
    $6.88M
    $5.20M
    $3.40M
    -61.0%
    $2.35M
    -76.0%
    $8.54M
    +24.1%
    Weakening
    EPS
    $-0.75
    $0.21
    $0.15
    $0.11
    $0.05
    -76.2%
    $0.18
    +20.0%
    Weakening
    Other Income
    Interest
    Depreciation
    Profit before Tax
    -$39.46M
    $3.91M
    $13.16M
    $10.11M
    $14.24M
    $6.57M
    +67.9%
    $3.56M
    -72.9%
    $15.62M
    +54.5%
    Strengthening
    MarginsOPM
    Tax
    24.1%
    -123.4%
    25.8%
    32.0%
    63.5%
    +163.6%
    48.1%
    34.1%
    +32.5%
    45.4%
    +41.9%
    Strengthening
    ReturnsROIC
    13.8%
    -4.0%
    -4.5%
    -3.2%
    -2.4%
    -117.4%
    -1.6%
    +61.0%
    -1.1%
    +76.0%
    -3.9%
    -24.1%
    Strengthening

    Balance Sheet

    Balance Sheet

    USD · Annual
    Line itemFY18FY19FY20FY21FY22FY23FY24FY25TTM
    AssetsCash & Equivalents$70.47M$72.18M$136.19M$130.96M$98.82M$91.19M$59.97M$105.53M$139.59M
    Short-Term Investments
    Total Current Assets
    Net PP&E$23.20M$73.34M$62.67M$48.32M$40.97M$28.10M$12.75M$11.51M$13.05M
    Goodwill$0$104.01M$0
    Intangibles$64.0K$43.56M$35.68M$27.47M$19.93M$71.70M$66.93M
    Total Assets$1.74B$2.20B$2.01B$2.95B$3.61B$3.41B$3.23B$3.26B$3.13B
    LiabilitiesTotal Current Liabilities
    Short-Term Debt
    Long-Term Debt$114.09M
    Long-Term Leases
    Total Liabilities$1.39B$1.71B$1.54B$2.34B$3.07B$3.01B$2.87B$2.87B$2.72B
    EquityCommon Stock & APIC$3.0K$6.0K$6.0K$6.0K$7.0K$7.0K$7.0K$8.0K$8.0K
    Retained Earnings$52.66M$76.68M$36.43M$83.85M$6.10M-$173.85M-$252.53M-$227.28M-$216.40M
    Total Equity$346.55M$488.77M$466.63M$603.88M$547.60M$404.40M$353.81M$390.08M$407.13M
    HighlightsNet Cash / (Debt)

    Cash Flow

    Cash Flow

    USD · Annual
    Line itemFY18FY19FY20FY21FY22FY23FY24FY25TTM
    ActivitiesCash from Operating$138.37M$218.37M$152.87M$163.45M$247.88M$392.76M$393.52M$413.41M$420.95M
    Cash from Investing-$471.43M-$497.68M$16.38M-$884.79M-$1.17B-$286.18M-$193.69M-$369.73M-$304.00M
    Cash from Financing$368.07M$286.27M-$136.80M$745.71M$934.53M-$104.39M-$191.22M-$59.38M-$132.74M
    SummaryCapital Expenditure-$14.56M-$8.88M-$4.83M-$12.30M-$6.00M
    Free Cash Flow$123.81M$209.50M$148.04M$151.15M$241.88M
    FCF Margin24.9%34.9%25.4%24.1%25.4%

    Ratios