Oportun Financial Corp
OPRT- Exchange
- Nasdaq
- Industry
- Finance Services
- SEC CIK
- 0001538716
In the last 90 days, Oportun Financial Corp insiders filed 0 open-market purchases and 2 sales; 133 institutions reported holding it in 13F filings for Q2 2026, worth $215.7M in total; no superinvestor holds it.
- Currency
- USD
- Source
- SEC XBRL data (10-K, 10-Q, 20-F, 40-F)
- Updated
- Nov 5, 2026, 12:17 AM ET
Revenue flow, FY2025
Where the revenue went in FY2025, from the income statement below. Green is profit; orange is costs, expenses and taxes. Percentages are shares of revenue; hover over a band or a bar for the exact amount.
Income statement
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 21, 2026 | Feb 12, 2025 | Mar 12, 2024 | Feb 9, 2023 | Feb 24, 2022 |
| Revenue | $956.7M | $1.00B | $1.06B | $952.5M | $626.8M |
| Operating expenses | $361.8M | $410.4M | $534.3M | – | – |
| Selling, general and administrative | $34.0M | $53.2M | $72.4M | $58.8M | $37.5M |
| Income tax | $18.8M | -$36.5M | -$73.7M | $2.46M | $15.4M |
| Net income | $25.2M | -$78.7M | -$180.0M | -$77.7M | $47.4M |
| EPS, basic | $0.54 | $-1.95 | $-4.88 | $-2.37 | $1.68 |
| EPS, diluted | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 |
| Weighted shares, basic | 46.4M | 40.4M | 36.9M | 32.8M | 28.2M |
| Weighted shares, diluted | 47.9M | 40.4M | 36.9M | 32.8M | 30.3M |
| Margins and growth | |||||
| Net margin | 2.6% | -7.9% | -17.0% | -8.2% | 7.6% |
| Revenue growth, year over year | −4.5% | −5.2% | +11.0% | +52.0% | +7.4% |
| Net income growth, year over year | – | – | – | −264.0% | – |
Balance sheet
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 21, 2026 | Feb 12, 2025 | Mar 12, 2024 | Feb 9, 2023 | Feb 24, 2022 |
| Cash and equivalents | $105.5M | $60.0M | $91.2M | $98.8M | $131.0M |
| Property, plant and equipment | $2.07M | $2.98M | $6.99M | $10.5M | $9.91M |
| Goodwill | – | – | – | $0 | $104.0M |
| Intangible assets | $15.0M | $19.9M | $27.5M | $35.7M | $43.6M |
| Total assets | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B |
| Total liabilities | $2.87B | $2.87B | $3.01B | $3.07B | $2.34B |
| Shareholders' equity | $390.1M | $353.8M | $404.4M | $547.6M | $603.9M |
Cash flow statement
Each column is one fiscal year, newest first. Free cash flow is operating cash flow minus capital expenditures.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 21, 2026 | Feb 12, 2025 | Mar 12, 2024 | Feb 9, 2023 | Feb 24, 2022 |
| Operating cash flow | $413.4M | $393.5M | $392.8M | $247.9M | $163.4M |
| Capital expenditures | – | – | – | $6.00M | $12.3M |
| Free cash flow | – | – | – | $241.9M | $151.2M |
| Depreciation and amortization | $41.4M | $51.2M | $54.9M | $47.5M | $27.1M |
| Stock-based compensation | $10.7M | $13.0M | $18.6M | $27.6M | $18.9M |
| Investing cash flow | -$369.7M | -$193.7M | -$286.2M | -$1.17B | -$884.8M |
| Financing cash flow | -$59.4M | -$191.2M | -$104.4M | $934.5M | $745.7M |
| Net change in cash | -$15.7M | $8.61M | $2.20M | $10.9M | $24.4M |
| Ratio | |||||
| Stock-based compensation, % of revenue | 1.1% | 1.3% | 1.8% | 2.9% | 3.0% |
Shares outstanding
Common shares outstanding as stated on the cover of each 10-K and 10-Q. The date is the cover date, not the period end; a rising count means dilution.
| Cover date | Shares outstanding | Change in a year | Filing |
|---|---|---|---|
| Oct 29, 2026 | 46.1M | +4.4% | SEC |
| Jul 30, 2026 | 46.0M | +4.5% | SEC |
| May 4, 2026 | 45.7M | +22.0% | SEC |
| Apr 23, 2026 | 45.7M | +22.0% | SEC |
| Feb 18, 2026 | 44.5M | +23.2% | SEC |
| Oct 29, 2025 | 44.1M | +22.7% | SEC |
| Jul 31, 2025 | 44.0M | +23.2% | SEC |
| May 1, 2025 | 37.5M | +5.4% | SEC |
Notes and known gaps
How these numbers are put together, and what they can't tell you.
- Numbers come from the XBRL data in each period's original 10-K, 10-Q, 20-F or 40-F, or its amendment. They are shown as filed: later filings don't restate earlier periods here.
- Reported is the filing date of the first 8-K with Item 2.02 (results of operations) after the period ended, no later than the 10-Q or 10-K and within 120 days. Companies that release results only in the 10-Q, and foreign companies, which use Form 6-K, have none.
Known gaps
- Foreign companies that file Form 20-F or 40-F have annual statements only: their quarterly results are furnished on Form 6-K, which has no XBRL data.
- EPS and share counts are as reported at the time, not adjusted for later stock splits.
- For ADRs, EPS is per ordinary share, not per ADS (one TSMC ADS is five ordinary shares).
- For banks, revenue may be interest income only, depending on how the bank tags its filings; cost of revenue and gross profit are usually blank.
- Companies with several share classes, such as Berkshire Hathaway, may have no EPS and no cover share count.
- Depreciation and amortization is missing for some companies that report it under their own XBRL tags.