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Oportun Financial Corp

OPRT Clue Score36
United States Fiscal year ends December CIK 0001538716
$8.92 +3.00% Close, 9 Oct 2026
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Price $8.92 −64.80% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 26 Sep 2019. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2017Revenue361.0Net income−10.2EPS, diluted−4.22Fiscal year 2018Revenue497.6 +37.9%Net income123.4EPS, diluted4.47Fiscal year 2019Revenue600.1 +20.6%Net income61.6 −50.1%EPS, diluted0.40Fiscal year 2020Revenue583.7 −2.7%Net income−45.1 −173.2%EPS, diluted−1.65Fiscal year 2021Revenue0.8 −99.9%Net income47.4EPS, diluted1.56Fiscal year 2022Revenue31.2 +3,735.9%Net income−77.7 −264.0%EPS, diluted−2.37Fiscal year 2023Revenue25.6 −18.0%Net income−180.0EPS, diluted−4.88Fiscal year 2024Revenue22.7 −11.3%Net income−78.7EPS, diluted−1.95Fiscal year 2025Revenue19.5 −14.1%Net income25.2EPS, diluted0.53
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 361.0 497.6 600.1 583.7 0.8 31.2 25.6 22.7 19.5
Growth +37.9% +20.6% −2.7% −99.9% +3,735.9% −18.0% −11.3% −14.1%
Net income −10.2 123.4 61.6 −45.1 47.4 −77.7 −180.0 −78.7 25.2
Growth −50.1% −173.2% −264.0%
EPS, diluted −4.22 4.47 0.40 −1.65 1.56 −2.37 −4.88 −1.95 0.53

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2017Net margin−2.8%Free cash flow margin36.2%Fiscal year 2018Net margin24.8%Free cash flow margin24.9%Fiscal year 2019Net margin10.3%Free cash flow margin34.9%Fiscal year 2020Net margin−7.7%Free cash flow margin25.4%Fiscal year 2021Net margin5,832.0%Free cash flow margin18,591.8%Fiscal year 2022Net margin−249.3%Free cash flow margin775.6%Fiscal year 2023Net margin−703.8%Fiscal year 2024Net margin−347.1%Fiscal year 2025Net margin129.7%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin −2.8% 24.8% 10.3% −7.7% 5,832.0% −249.3% −703.8% −347.1% 129.7%
Free cash flow margin 36.2% 24.9% 34.9% 25.4% 18,591.8% 775.6% n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow139.1Capital expenditure−8.5Free cash flow130.6Fiscal year 2018Operating cash flow138.4Capital expenditure−14.6Free cash flow123.8 −5.2%Fiscal year 2019Operating cash flow218.4Capital expenditure−8.9Free cash flow209.5 +69.2%Fiscal year 2020Operating cash flow152.9Capital expenditure−4.8Free cash flow148.0 −29.3%Fiscal year 2021Operating cash flow163.4Capital expenditure−12.3Free cash flow151.2 +2.1%Fiscal year 2022Operating cash flow247.9Capital expenditure−6.0Free cash flow241.9 +60.0%Fiscal year 2023Operating cash flow392.8Fiscal year 2024Operating cash flow393.5Fiscal year 2025Operating cash flow413.4
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 139.1 138.4 218.4 152.9 163.4 247.9 392.8 393.5 413.4
Capital expenditure −8.5 −14.6 −8.9 −4.8 −12.3 −6.0 n/a n/a n/a
Free cash flow 130.6 123.8 209.5 148.0 151.2 241.9 n/a n/a n/a
Growth −5.2% +69.2% −29.3% +2.1% +60.0%

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2017Cash48.3Shareholders’ equity216.7Fiscal year 2018Cash70.5Shareholders’ equity346.5Fiscal year 2019Cash72.2Shareholders’ equity488.8Fiscal year 2020Cash136.2Shareholders’ equity466.6Fiscal year 2021Cash131.0Total debt114.1Net cash (debt)16.9Shareholders’ equity603.9Debt to equity0.19Fiscal year 2022Cash98.8Shareholders’ equity547.6Fiscal year 2023Cash91.2Shareholders’ equity404.4Fiscal year 2024Cash60.0Shareholders’ equity353.8Fiscal year 2025Cash105.5Shareholders’ equity390.1
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 48.3 70.5 72.2 136.2 131.0 98.8 91.2 60.0 105.5
Total debt n/a n/a n/a n/a 114.1 n/a n/a n/a n/a
Net cash (debt) n/a n/a n/a n/a 16.9 n/a n/a n/a n/a
Shareholders’ equity 216.7 346.5 488.8 466.6 603.9 547.6 404.4 353.8 390.1
Debt to equity n/a n/a n/a n/a 0.19 n/a n/a n/a n/a

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
0.6% 34.2% 14.1% −10.0% 7,723.4% −241.4% −992.0% −508.1% 226.4%
−2.8% 24.8% 10.3% −7.7% 5,832.0% −249.3% −703.8% −347.1% 129.7%
36.2% 24.9% 34.9% 25.4% 18,591.8% 775.6% n/a n/a n/a
Spending
4.7% 2.2% 2.6% 3.5% 4,610.1% 188.7% 283.1% 234.8% 174.6%
2.4% 2.9% 1.5% 0.8% 1,512.4% 19.2% n/a n/a n/a
593.3% 27.5% 27.0% n/a 24.5% n/a n/a n/a 42.7%
Returns
−4.7% 35.6% 12.6% −9.7% 7.9% −14.2% −44.5% −22.2% 6.5%
n/a 7.1% 2.8% −2.2% 1.6% −2.2% −5.3% −2.4% 0.8%
Balance and payout
n/a n/a n/a n/a 0.19 n/a n/a n/a n/a
n/a 80.1% 77.8% 76.8% 79.5% 84.8% 88.1% 89.0% 88.0%