Oportun Financial Corporation
OPRT Financial Credit Services
Oportun Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $956.7 million, down 4.50% from fiscal 2024. In the quarter to June 2026, revenue was flat, EPS grew 13.3%, free cash flow grew 5.05% and total debt was flat, each against the same quarter a year earlier. Operating cash flow growth for five consecutive years.
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A Balance Sheet is a financial statement that provides a snapshot of a company's assets, liabilities, and shareholders' equity at a specific point in time. It follows the formula: Assets = Liabilities + Shareholders' Equity. Key components include current and non-current assets, current and long-term liabilities, and equity. The Balance Sheet helps businesses and investors evaluate financial stability, liquidity, and capital structure. It's essential for assessing the company's ability to meet its obligations and fund future operations.
| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Cash and Short Term Investments |
— | — | 129.18 | 136.14 | 168.59 | 192.96 | 203.82 | 206.02 | 214.63 | 198.93 |
Total current assets |
— | — | 1,665.60 | 2,074.60 | 1,880.54 | 2,600.68 | 3,379.27 | 3,168.37 | 2,993.15 | 3,073.03 |
Property, Plant, Equpment (Net) |
16.00 | — | — | — | — | — | — | — | — | — |
Goodwill and Intangible Assets (Total) |
5.00 | 0.00 | 5.00 | 18.00 | 27.48 | 235.20 | 139.80 | 114.74 | 86.59 | 71.70 |
Long Term Assets (Tax, Deferred) |
— | — | 1.04 | 1.56 | — | — | — | — | — | — |
Long-term assets (Other) |
18.00 | 17.00 | 73.30 | 76.77 | 54.21 | 72.34 | 64.18 | 107.68 | 137.59 | 103.69 |
Total non-current assets |
— | — | 74.34 | 76.77 | 81.69 | 307.54 | 203.98 | 222.42 | 224.18 | 175.39 |
Total Assets |
958.00 | — | 1,739.94 | 2,201.87 | 2,009.05 | 2,946.63 | 3,613.70 | 3,411.89 | 3,227.10 | 3,257.86 |
Long Term Debt (Total) |
708.00 | 956.00 | 1,338.21 | 1,582.58 | 1,413.69 | 2,045.60 | 2,705.24 | 2,651.42 | 2,600.49 | 2,655.83 |
Long Term Tax Liability (Deferred) |
— | — | 13.93 | — | — | — | — | — | — | — |
Minority Interests |
— | 0.00 | — | — | — | — | — | — | — | — |
Non-current Liabilities (Other) |
23.00 | 41.00 | 41.26 | 77.17 | 79.05 | 249.45 | 322.91 | 327.68 | 254.60 | 200.47 |
Total non-current liabilities |
— | — | 1,393.39 | 1,659.75 | 1,492.74 | 2,295.05 | 3,028.15 | 2,979.11 | 2,855.09 | 2,856.31 |
Total liabilities |
735.00 | — | 1,393.39 | 1,713.11 | 1,542.42 | 2,342.74 | 3,066.10 | 3,007.48 | 2,873.29 | 2,867.77 |
Additional Paid In Capital |
— | 0.00 | 44.41 | 418.30 | 436.50 | 526.34 | 547.80 | 584.56 | 612.64 | 623.67 |
Preferred Stock (Total) |
— | 0.00 | 257.90 | 418.30 | 436.50 | — | — | — | — | — |
Common Stock (Net) |
0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Retained Earnings |
(62.00) | (71.00) | 52.66 | 76.68 | 36.43 | 83.85 | 6.10 | (173.85) | (252.53) | (227.28) |
Equity Equivalent |
— | — | 0.13 | 0.06 | — | — | — | — | — | — |
Treasury Stock |
— | 0.00 | 8.43 | 6.12 | 6.31 | 6.31 | 6.31 | 6.31 | 6.31 | 6.31 |
Shareholders Equity (Other) |
— | 0.00 | — | — | — | — | — | — | — | — |
Common Equity (Total) |
(43.00) | (51.00) | 88.65 | 488.77 | 466.63 | 603.88 | 547.60 | 404.40 | 353.81 | 390.08 |
Shareholders Equity (Total) |
224.00 | — | 346.55 | 488.77 | 466.63 | 603.88 | 547.60 | 404.40 | 353.81 | 390.08 |
Shareholders Equity and Liabilities (Total) |
— | — | 1,739.94 | 2,201.87 | 2,009.05 | 2,946.63 | 3,613.70 | 3,411.89 | 3,227.10 | 3,257.86 |
Shares (Common) |
— | — | 2.94 | 27.00 | 27.68 | 32.00 | 33.35 | 34.47 | 36.11 | 44.44 |
Shareholders Equity (Tangible) |
— | — | 346.55 | 488.77 | 439.15 | 368.69 | 407.80 | 289.67 | 267.22 | 318.38 |
Net Debt |
708.00 | 956.00 | 1,209.03 | 1,446.44 | 1,245.10 | 1,852.64 | 2,501.43 | 2,445.41 | 2,385.87 | 2,456.90 |
Total Debt |
708.00 | 956.00 | 1,338.21 | 1,582.58 | 1,413.69 | 2,045.60 | 2,705.24 | 2,651.42 | 2,600.49 | 2,655.83 |