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

413.40M

Operating Cash Flow

3Y+67.0%

5Y+170.0%

10Y+263.0%

-369.70M

Investing Cash Flow

91%

3Y-68.0%

5Y-2357.0%

10Y+19.0%

-59.40M

Financing Cash Flow

-69%

3Y-106.0%

5Y-57.0%

10Y-127.0%

Oportun Financial Corporation Cash Conversion Engine

OPRT · NASDAQ

FCF Components

Net Income25.20M

Depreciation & Amortization0.00

Stock-Based Compensation0.00

Change in Working Capital-2.29M

Others390.49M

Capital Expenditures-24.33M

Free Cash Flow389.08M

Cash Flow Quality Analysis

FCF Conversion Rate

1544.0%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

5.9%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+3.9%

Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$2.29M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

Oportun Financial Corporation Cash Flow Statement

OPRT • NASDAQ

Oportun Financial Corporation Cash Flow Statement	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015
OPERATING ACTIVITIES
Net Income	25.2M	-78.7M	-180M	-77.7M	47.4M	-45.1M	61.6M	123.4M	-10.2M	50.9M	8.4M
Depreciation & Amortization	0.0	51.2M	54.9M	47.5M	27.1M	20.2M	14.1M	11.8M	10.6M	8.4M	5.2M
Change in Deferred Taxes	0.0	0.0	0.0	0.0	16.5M	-14.5M	10.4M	42M	8.3M	-36.4M	0.0
Stock-Based Compensation	0.0	13M	18.6M	27.6M	18.9M	19.5M	19.2M	6.8M	5.7M	4.5M	2.6M
Other Non-Cash Items	390.5M	438.3M	520.3M	331.2M	64M	207M	98M	-15.8M	106.4M	79.3M	70M
Cash Taxes Paid	(2.8M)	(1M)	(0.0)	(0.0)	(3.9M)	(2.8M)	(2.9M)	(20.4M)	(4.4M)	(1.4M)	(0.0)
Change in Working Capital	-2.3M	-30.3M	-21.1M	-80.7M	-10.4M	-34.3M	15.1M	-29.9M	18.4M	7.3M	2.9M
Cash from Operating Activities	413.4M	393.5M	392.8M	247.9M	163.4M	152.9M	218.4M	138.4M	139.1M	113.9M	67.7M
INVESTING ACTIVITIES
Investments in Property, Plant, and Equipment	(0.0)	-19.2M	-31.3M	-48.9M	-26.5M	-4.8M	-26.2M	-17.9M	-12M	-14.2M	-11.4M
Acquisitions, Net	(0.0)	(0.0)	(0.0)	(0.0)	-111.7M	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
Other Investing Items	-369.7M	-174.5M	-254.9M	-1.1B	-746.7M	21.2M	-471.5M	-453.5M	-331.4M	-295.6M	-250.9M
Cash from Investing Activities	-369.7M	-193.7M	-286.2M	-1.2B	-884.8M	(16.4M)	-497.7M	-471.4M	-343.4M	-309.8M	-251.3M
FINANCING ACTIVITIES
Net Issuance of Common Stock	0.0	0.0	0.0	0.0	0.0	0.0	60.5M	0.0	0.0	0.0	92.8M
Net Issuance of Debt	-55.7M	-178.2M	-99M	951.4M	751.1M	-134.8M	225M	369.3M	239.8M	228.6M	121.6M
Share Repurchases	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	-1M	-1K
Other Financing Items	-3.7M	-13M	-5.4M	-16.9M	-5.4M	-2M	61.3M	-1.2M	-9.2M	-6.6M	-4.7M
Cash from Financing Activities	-59.4M	-191.2M	-104.4M	934.5M	745.7M	-136.8M	286.3M	368.1M	230.7M	221.9M	209.7M
CASH FLOW SUMMARY
Effect of Foreign Exchange Rates	0.0	0.0	0.0	0.0	0.0	0.0	-100K	0.0	0.0	0.0	0.0
Net Change in Cash	-15.7M	8.6M	2.2M	10.9M	24.4M	32.4M	6.9M	35M	26.4M	26.1M	26.1M
Cash at Beginning of Period	214.6M	206M	203.8M	193M	168.6M	136.1M	129.2M	94.2M	67.7M	41.7M	15.5M
Cash at End of Period	198.9M	214.6M	206M	203.8M	193M	168.6M	136.1M	129.2M	94.2M	67.7M	41.7M
Free Cash Flow	389.1M	374.3M	361.5M	199M	137M	131.1M	192.2M	120.4M	127.1M	99.7M	56.3M

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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