OPRT - NASDAQ

Oportun Financial Corporation

OPRT·NASDAQ

$4.72

-6.7%

Financial ServicesFinancial - Credit Services

Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$215.89M

EPS0.5300

P/E Ratio8.91

Earnings Date08/05/2026

3.26B

Assets

3Y-10.0%

5Y+62.0%

10Y+240.0%

2.87B

Total Liabilities

3Y-6.0%

5Y+86.0%

10Y+290.0%

390.10M

Total Equity

10%

3Y-29.0%

5Y-16.0%

10Y+74.0%

Oportun Financial Corporation Funding & Solvency Profile

OPRT · NASDAQ

Current Assets

Cash & Cash Equivalents105.50M

Net Receivables0.00

Inventory0.00

Other Current Assets-11.65M

Total Current Assets106 M

Non-Current Assets

Property, Plant & Equipment9.40M

Goodwill & Intangible Assets71.70M

Long-Term Investments2.87B

Other Non-Current Assets-2.87B

Total Non-Current Assets9 M

Total Assets

3.26B

Financial Health Analysis

Current Ratio

9.17x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

7.35x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

94 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

3% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Oportun Financial Corporation Balance Sheet

OPRT • NASDAQ

Oportun Financial Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	105.5M	60M	91.2M	98.8M	131M	136.2M	72.2M	70.5M	48.3M	35.6M
Cash & Short-Term Investments	105.5M	60M	91.2M	98.8M	131M	136.2M	72.2M	70.5M	48.3M	35.6M
Net Receivables	0.0	8.4M	8.8M	11.1M	34.2M	22.9M	17.2M	0.0	0.0	0.0
Accounts Receivables	0.0	0.0	0.0	0.0	20.9M	15.4M	17.2M	13.2M	8.7M	0.0
Other Receivables	0.0	8.4M	8.8M	11.1M	13.3M	7.5M	0.0	30.4M	7.5M	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	-185.3M	-182M	-117.6M	0.0
Prepaids	11.6M	11.6M	15.8M	24.2M	25.4M	17.2M	0.0	0.0	0.0	0.0
Other Current Assets	-11.6M	0.0	0.0	0.0	0.0	0.0	185.3M	0.0	0.0	75M
Total Current Assets	105.5M	80M	115.7M	134.1M	190.6M	176.3M	89.4M	114M	64.6M	75M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	9.4M	12.8M	28.1M	41M	48.3M	62.7M	50.5M	23.2M	17.2M	15.8M
Goodwill	0.0	0.0	0.0	0.0	104M	0.0	0.0	0.0	0.0	0.0
Intangible Assets	71.7M	86.6M	114.7M	139.8M	131.2M	27.5M	18.3M	5.5M	5.7M	0.0
Goodwill & Intangible Assets	71.7M	86.6M	114.7M	139.8M	235.2M	27.5M	18.3M	5.5M	5.7M	809M
Long-Term Investments	2.9B	2.8B	3B	3.2B	2.4B	1.7B	67.3M	27.6M	2.4M	896K
Tax Assets	0.0	82.4M	48.1M	1.8M	3.9M	1.7M	1.6M	1M	29.1M	39.9M
Other Non-Current Assets	-2.9B	173.1M	133.5M	120.8M	81.3M	43.2M	-68.8M	-28.7M	-31.5M	17.6M
Total Non-Current Assets	81.1M	3.1B	3.3B	3.5B	2.8B	1.8B	68.8M	28.7M	22.8M	883.2M
Other Assets	3.1B	0.0	0.0	0.0	0.0	0.0	2B	1.6B	1.1B	0.0
Total Assets	3.3B	3.2B	3.4B	3.6B	2.9B	2B	2.2B	1.7B	1.2B	958.2M
LIABILITIES
CURRENT LIABILITIES
Total Payables	22.9M	17.6M	13.7M	18.1M	11.6M	5.2M	50.5M	40.2M	31.3M	0.0
Accounts Payable	17.4M	17.6M	13.7M	18.1M	11.6M	5.2M	9.8M	10.6M	8.2M	0.0
Other Payables	5.5M	0.0	0.0	0.0	0.0	0.0	0.0	-10.6M	-8.2M	0.0
Accrued Expenses	7.1M	12.4M	24.8M	26.2M	36.5M	17.8M	13M	10.3M	18.2M	9.5M
Short Term Debt	6.7M	0.0	290M	317.6M	393.9M	246.4M	0.0	0.0	154.3M	0.0
Tax Payables	0.0	3.1M	7.1M	5.9M	8.4M	5.9M	4.2M	1.6M	1.1M	0.0
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.2M	1.5M	0.0
Other Current Liabilities	-25.1M	0.0	0.0	0.0	0.0	0.0	-10.1M	-50.5M	-203.8M	0.0
Total Current Liabilities	11.5M	30.1M	328.4M	361.9M	442M	269.5M	53.4M	95.9M	162.5M	10.4M
NON-CURRENT LIABILITIES
Long Term Debt	2.8B	2.8B	2.9B	2.9B	2.2B	1.4B	1.5B	1.2B	779.7M	708.2M
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.2M	1.5M	-10.4M
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	30.6M	28.4M	10.6M	24.9M	13.9M	0.0	3.6M
Other Non-Current Liabilities	56.8M	20.8M	-259.5M	-292.4M	-335M	-201M	32.3M	-1.2B	-781.2M	12.4M
Total Non-Current Liabilities	2.9B	2.8B	2.7B	2.7B	1.9B	1.3B	1.7B	1.2B	781.2M	724.2M
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	-8K	56.3M	54.7M	0.0
Capital Lease Obligations	4.8M	18.2M	28.4M	37.9M	47.7M	49.7M	53.4M	0.0	0.0	0.0
Total Liabilities	2.9B	2.9B	3B	3.1B	2.3B	1.5B	1.7B	1.4B	998.3M	734.6M
SHAREHOLDERS' EQUITY
Treasury Stock	-6.3M	-6.3M	-6.3M	-6.3M	-6.3M	-6.3M	-6.1M	-8.4M	-5.2M	-248K
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	63K	257.9M	268M	266.1M
Common Stock	8K	7K	7K	7K	6K	6K	6K	3K	3K	3K
Additional Paid-In Capital	623.7M	612.6M	584.6M	547.8M	526.3M	436.5M	418.3M	44.4M	24.7M	19.3M
Retained Earnings	-227.3M	-252.5M	-173.8M	6.1M	83.8M	36.4M	76.7M	52.7M	-70.7M	-61.6M
Accumulated Other Comprehensive Income/Loss	0.0	0.0	0.0	0.0	0.0	-261K	-200K	-132K	-142K	-23K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	261K	0.0	0.0	0.0	0.0
Total Stockholders' Equity	390.1M	353.8M	404.4M	547.6M	603.9M	466.6M	488.8M	346.5M	216.7M	223.6M
Total Equity	390.1M	353.8M	404.4M	547.6M	603.9M	466.6M	488.8M	346.5M	216.7M	223.6M
SUMMARY
Total Liabilities & Equity	3.3B	3.2B	3.4B	3.6B	2.9B	2B	2.2B	1.7B	1.2B	958.2M
Total Investments	2.9B	2.8B	3B	3.2B	2.4B	1.7B	67.3M	27.6M	2.4M	896K
Total Debt	2.8B	2.8B	3.2B	3.3B	2.6B	1.7B	1.6B	1.3B	934M	708.2M
Net Debt	2.7B	2.8B	3.1B	3.2B	2.5B	1.6B	1.5B	1.2B	885.6M	672.7M
Shares Outstanding	44,009,399	44,009,399	44,009,399	44,009,399	44,009,399	44,009,399	44,009,399	44,009,399	44,009,399	44,009,399

SEC Filings

OPRT - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 07, 2026	May 07, 2026	2026	View Filing
10-K/A 10-K/A 2025 FY (Amended) FY	April 30, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	April 17, 2026	April 13, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 02, 2026	March 27, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 26, 2026	February 26, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 10, 2026	February 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 21, 2026	January 15, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 05, 2025	September 30, 2025	2025	View Filing

Showing 1 to 10 of 143 filings

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