Oportun Financial Corp (OPRT) Financial Statements
Industry: Finance Services
In fiscal 2025, Oportun Financial reported revenue of $956.7M, down 4.5% from $1.00B the year before. Net income was $25.2M (a 2.6% net margin), or $0.53 per diluted share. Operating activities generated $413.4M of cash. At fiscal year end, Oportun Financial held $3.26B in total assets against $2.87B in total liabilities, including $105.5M of cash and equivalents.
Open the full interactive Oportun Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Oportun Financial Key Stats
| Share Price | $9.17 |
|---|---|
| Market Cap | $453.0M |
| P/E Ratio | 17.3 |
| Revenue YoY Growth | -4.5% |
| 52-Week Range | $4.13 – $9.17 |
| Shares Outstanding | 48.4 million (basic, 2026 Q2) |
Oportun Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $583.7M | $626.8M | $952.5M | $1.06B | $1.00B | $956.7M |
| Pre-Tax Income | -$58.1M | $62.8M | -$75.3M | -$253.7M | -$115.2M | $44.1M |
| Income Tax | -$13.0M | $15.4M | $2.5M | -$73.7M | -$36.5M | $18.8M |
| Net Income | -$45.1M | $47.4M | -$77.7M | -$180.0M | -$78.7M | $25.2M |
| Diluted EPS | -$1.65 | $1.56 | -$2.37 | -$4.88 | -$1.95 | $0.53 |
Oportun Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $238.7M | $247.7M | $228.8M | $233.2M |
| Net Income | $5.2M | $3.4M | $2.3M | $8.5M |
| Diluted EPS | $0.11 | $0.07 | $0.05 | $0.17 |
Oportun Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $136.2M | $131.0M | $98.8M | $91.2M | $60.0M | $105.5M |
| Total Assets | $2.01B | $2.95B | $3.61B | $3.41B | $3.23B | $3.26B |
| Total Long-Term Debt | $1.15B | $1.65B | $2.58B | $1.87B | $1.10B | $268.3M |
| Total Liabilities | $1.54B | $2.34B | $3.07B | $3.01B | $2.87B | $2.87B |
| Shareholders' Equity | $466.4M | $603.9M | $547.6M | $404.4M | $353.8M | $390.1M |
Oportun Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $152.9M | $163.4M | $247.9M | $392.8M | $393.5M | $413.4M |
| Cash From Investing | $16.4M | -$884.8M | -$1.17B | -$286.2M | -$193.7M | -$369.7M |
| Cash From Financing | -$136.8M | $745.7M | $934.5M | -$104.4M | -$191.2M | -$59.4M |
| Free Cash Flow | $148.0M | $151.2M | $241.9M | — | — | — |
Figures from Oportun Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Oportun Financial financials page for every line item.
Oportun Financial Company Profile
| Ticker | OPRT |
|---|---|
| Exchange | Nasdaq |
| Industry | Finance Services |
| Headquarters | San Mateo, California |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0001538716 |
Frequently Asked Questions
What was Oportun Financial's revenue in fiscal 2025?
Oportun Financial (OPRT) reported revenue of $956.7M for fiscal 2025.
What is Oportun Financial's annual revenue history?
Oportun Financial's annual revenue by fiscal year: 2020: $583.7M; 2021: $626.8M; 2022: $952.5M; 2023: $1.06B; 2024: $1.00B; 2025: $956.7M.
What was Oportun Financial's net income in fiscal 2025?
Oportun Financial reported net income of $25.2M for fiscal 2025.
What was Oportun Financial's earnings per share (EPS) in fiscal 2025?
Oportun Financial's diluted EPS was $0.53 for fiscal 2025 (adjusted for any later stock splits).
What was Oportun Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Oportun Financial reported revenue of $233.2M.
How much debt does Oportun Financial have?
Oportun Financial reported $268.3M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Oportun Financial are outstanding?
Oportun Financial reported a weighted average of 48.4 million basic shares outstanding in 2026 Q2.
What is Oportun Financial's market cap?
Based on its latest closing price, Oportun Financial (OPRT) has a market capitalization of about $453.0M.
When does Oportun Financial's fiscal year end?
Oportun Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Oportun Financial headquartered?
Oportun Financial lists its business address in San Mateo, California in its SEC filings.