Saturday 17 October 2026 Export OPRT’s income statement to Excel — free account

Oportun Financial Corporation

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.

9.08 0.13 −1.41%

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Market cap: $423.5M
P/E: 22.7×
Fwd P/E: 4.6×
Dividend yield: —
F-score: n/a
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.42

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	2	—	—	—	—	—	2	—

Insider Ownership 13.22%

Capital & Financial Ratios $m

Market Cap 423.54

Revenue 948.43

Net Income 19.48

Free Cash Flow 395.86

Net Debt 2,317.96

Current Ratio 0.00

Debt/Equity 6.22

P/E ratio 22.70

Fwd P/E 4.56

P/S ratio 0.46

P/B ratio 1.08

Past 5Y EPS Growth —

This Y EPS Growth 15.88%

Next Y EPS Growth 23.86%

Next Y revenue growth (1.20%)

Next 5Y EPS Growth 19.14%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 70.94%

10-year low 10-year high

P/B against its own 10 years 86.75%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2018	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	206	215	199	212
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	3,168	2,993	3,073	2,949

	2023	2024	2025	2026
Payables	—	—	—	—
ST’ Debt	—	—	—	—
Other	—	—	—	—
	—	—	—	—

Compound Annual Growth %

	10y	5y	3y
Sales	—	10.39%	0.14%
Cash Flow	—	22.01%	18.59%
Earnings	—	0.00%	0.00%
Book Value	—	(3.52%)	(10.69%)

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	229	233	—	—	—
’25	236	234	239	248	957
’24	250	250	250	251	1,002
’23	260	267	268	263	1,057
’22	215	226	250	262	953
’21	135	138	159	194	627
’20	163	143	137	141	584

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	104	109	—	—	—
’25	101	105	99	109	413
’24	86	108	108	91	394
’23	77	103	107	106	393
’22	39	53	68	89	248
’21	18	36	50	60	163
’20	52	42	45	13	153

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	97	103	—	—	—
’25	95	98	93	103	389
’24	83	102	104	85	374
’23	65	96	101	100	362
’22	28	40	54	76	199
’21	13	29	44	52	137
’20	45	35	40	12	131

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.05	0.17	—	—	—
’25	0.21	0.14	0.11	0.07	0.53
’24	(0.68)	(0.78)	(0.75)	0.20	(1.95)
’23	(3.00)	(0.41)	(0.55)	(1.09)	(4.88)
’22	1.37	(0.28)	(3.21)	(0.25)	(2.37)
’21	0.10	0.24	0.75	0.46	1.56
’20	(0.49)	(1.26)	(0.22)	0.29	(1.65)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	14.22	5.26	15.35	4.03	2.13	2.05	3.45	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	25.84	24.28	27.95	21.39	8.06	4.60	9.25
People
People	Employees	—	—	3,094,000,000	2,663	3,149	3,042	3,235	2,465	2,429	2,488
	Revenue/emp, $m	0.00	0.00	0.00	0.23	0.19	0.21	0.29	0.43	0.41	0.38
Income, $m
Income, $m	Revenue	249	361	498	600	584	627	953	1,057	1,002	957
	Gross margin, %	0.00	89.92	90.57	89.91	90.00	92.39	90.23	83.02	76.23	75.80
	EBT	16	2	170	84	(58)	63	(75)	(254)	(115)	44
	EBT margin, %	6.45	0.57	34.18	14.07	(9.95)	10.02	(7.90)	(24.00)	(11.50)	4.61
	Net income	4	(10)	123	62	(45)	47	(78)	(180)	(79)	25
	Depreciation	—	11	12	14	20	27	156	55	51	41
Per share, $
Per share, $	Revenue	9.25	149.17	192.46	64.21	21.36	22.23	29.02	28.66	24.82	20.61
	Earnings	0.16	(4.22)	47.73	0.46	(1.65)	1.56	(2.37)	(4.88)	(1.95)	0.53
	Cash flow	3.67	57.49	53.52	23.36	5.59	5.80	7.55	10.65	9.75	8.91
	Capex	0.00	(4.97)	(6.94)	(2.81)	(0.80)	(0.94)	(1.49)	(0.85)	(0.48)	(0.52)
	Free cash flow	3.67	52.52	46.58	20.56	4.80	4.86	6.06	9.80	9.28	8.38
	Book value	8.33	0.00	134.04	52.29	17.07	21.42	16.68	10.97	8.77	8.40
	Shares, m	27	2	3	9	27	28	33	37	40	46
Valuation, ×
Valuation, ×	P/E	40.43	40.43	40.43	5.83	0.00	12.35	0.00	0.00	0.00	9.80
	P/S	0.00	0.00	0.00	0.37	0.91	0.91	0.19	0.13	0.16	0.26
	P/B	0.54	0.54	0.54	0.46	1.13	0.95	0.34	0.35	0.44	0.63
	EV/Sales	0.00	0.00	0.00	2.78	3.04	3.87	2.82	2.45	2.54	2.82
	EV/FCF	6.02	6.02	6.02	8.69	13.54	17.69	13.50	7.16	6.79	6.95
Cash, $m
Cash, $m	Operating cash flow	99	139	138	218	153	163	248	393	394	413
	Capex	(14)	(12)	(18)	(26)	(22)	(26)	(49)	(31)	(19)	(24)
	Free cash flow	99	127	120	192	131	137	199	362	374	389
Balance, $m
Balance, $m	Working capital	—	—	1,666	2,075	1,881	2,601	3,379	3,168	2,993	3,073
	Total debt	708	956	1,338	1,583	1,414	2,046	2,705	2,651	2,600	2,656
	Net debt	708	956	1,209	1,446	1,245	1,853	2,501	2,445	2,386	2,457
	Shareholders’ equity	224	—	347	489	467	604	548	404	354	390
Returns, %
Returns, %	ROA	0.92	(2.13)	1.23	0.22	(2.14)	1.91	(2.37)	(5.12)	(2.37)	0.78
	ROIC	0.00	0.14	6.83	2.73	(2.12)	1.60	(1.54)	(5.56)	(2.63)	0.97
	ROE	(9.40)	21.71	88.17	1.48	(9.44)	8.86	(13.50)	(37.80)	(20.75)	6.79

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
QFIN Qfin Holdings Inc. - Sponsored ADR	$709.5M	1.3×	3.6×	−27.81% (below 0%: shrinking)	−72.53% (below 0%: shrinking)	−55.53% (below 0%: shrinking)	81.04%	36.17%	Compare
GDOT Green Dot Corporation	$698.6M	— (loss-making)	11.6×	+18.19% (above 0%: growing)	n/m	+61.21% (above 0%: growing)	100.00%	(0.13%)	Compare
OPFI OppFi Inc.	$491.7M	1.7×	4.3×	−14.04% (below 0%: shrinking)	n/m	−3.92% (below 0%: shrinking)	86.77%	37.69%	Compare
OPRT Oportun Financial Corporation	$423.5M	22.7×	4.6×	−0.48% (below 0%: shrinking)	+13.33% (above 0%: growing)	+5.05% (above 0%: growing)	82.02%	0.00%
FINV PPDAI Group Inc. Sponsored ADR	$410.6M	2.8×	4.1×	+0.42% (above 0%: growing)	−31.71% (below 0%: shrinking)	−7,180.65% (below 0%: shrinking)	78.46%	17.42%	Compare
RM Regional Management Corp.	$318.0M	6.8×	6.4×	+6.71% (above 0%: growing)	−14.95% (below 0%: shrinking)	+1.86% (above 0%: growing)	100.00%	19.97%	Compare
PMTS CPI Card Group Inc.	$297.9M	20.7×	9.0×	+14.97% (above 0%: growing)	+260.00% (above 0%: growing)	+4,762.29% (above 0%: growing)	32.50%	7.95%	Compare
FOA Finance of America Companies Inc.	$279.1M	— (loss-making)	— (loss-making)	−64.77% (below 0%: shrinking)	n/m	−89.96% (below 0%: shrinking)	100.00%	(69.79%)	Compare
MFIN Medallion Financial Corp.	$256.9M	8.0×	8.6×	+2.54% (above 0%: growing)	−34.69% (below 0%: shrinking)	+176.13% (above 0%: growing)	69.47%	0.00%	Compare
Median of peers	$364.3M	4.8×	6.4×	+1.48%	−31.71%	−1.03%	83.91%	12.69%

All 55 Credit Services stocks →

Oportun Financial Corporation (OPRT) key facts

Concern: Oportun Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $956.7 million, down 4.50% from fiscal 2024.
Oportun Financial Corporation (OPRT) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, OPRT traded at $9.08, a market capitalization of $423.5 million.
Return on equity was 6.79% and debt-to-equity 6.22.

Source: company filings (standardised) and stockrow calculations.