Oportun Financial financials
$8.23−0.60%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $233.2M | $215.7M | $232.4M | $222.3M | $234.3M | $220.2M | $233.5M | $230.0M | $231.4M | $230.6M | $262.6M | $268.2M |
| Gross profit | $233.2M | $215.7M | $232.4M | $222.3M | $234.3M | $220.2M | $233.5M | $230.0M | $231.4M | $230.6M | $262.6M | $268.2M |
| Gross margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Operating income | $143.2M | $137.4M | $148.5M | $131.5M | $139.9M | $143.2M | $144.0M | $128.0M | -$13.9M | $120.9M | $133.2M | $145.7M |
| Net income | $8.5M | $2.3M | $3.4M | $5.2M | $6.9M | $9.8M | $8.7M | -$30.0M | -$31.0M | -$26.4M | -$41.8M | -$21.1M |
| Net margin | 3.7% | 1.1% | 1.5% | 2.3% | 2.9% | 4.4% | 3.7% | −13.0% | −13.4% | −11.5% | −15.9% | −7.9% |
| Diluted EPS | $0.17 | $0.05 | $0.07 | $0.11 | $0.14 | $0.21 | $0.20 | $-0.75 | $-0.78 | $-0.68 | $-1.08 | $-0.55 |
| EBITDA | $152.0M | $146.4M | $158.0M | $141.7M | $150.6M | $154.3M | $155.5M | $141.4M | -$922.0K | $134.1M | $147.0M | $159.7M |
| Operating cash flow | $109.3M | $103.7M | $108.9M | $99.0M | $104.5M | $101.0M | $91.4M | $108.5M | $107.7M | $85.9M | $106.3M | $107.1M |
| Free cash flow | $109.3M | $103.7M | $102.7M | $92.9M | $104.5M | $101.0M | $85.4M | $103.7M | $102.5M | $82.8M | $100.2M | $100.6M |
| Diluted shares | 49.4M | 48.5M | 48.2M | 48.3M | 47.9M | 47.0M | 42.7M | 40.0M | 39.8M | 38.9M | 38.6M | 38.3M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $139.6M | $130.4M | $105.5M | $104.6M | $96.8M | $78.5M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $2.53B | $2.71B | $2.66B | $514.7M | $2.55B | $2.79B |
| Total assets | $3.13B | $3.17B | $3.26B | $3.19B | $3.20B | $3.23B |
| Total liabilities | $2.72B | $2.77B | $2.87B | $2.80B | $2.83B | $2.86B |
| Shareholders' equity | $407.1M | $396.3M | $390.1M | $383.9M | $376.0M | $366.1M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology