Oportun Financial financials
$8.23−0.60%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 |
|---|---|---|---|---|---|---|---|
| Revenue | $893.2M | $925.5M | $1.06B | $952.5M | $626.8M | $583.7M | $600.1M |
| Gross profit | $893.2M | $925.5M | $1.06B | $952.5M | $530.5M | $583.7M | $600.1M |
| Gross margin | 100.0% | 100.0% | 100.0% | 100.0% | 84.6% | 100.0% | 100.0% |
| Operating income | $531.5M | $515.1M | $522.6M | $236.6M | $62.8M | $190.6M | $237.7M |
| Net income | $25.2M | -$78.7M | -$180.0M | -$77.7M | $47.4M | -$45.1M | $4.3M |
| Net margin | 2.8% | −8.5% | −17.0% | −8.2% | 7.6% | −7.7% | 0.7% |
| Diluted EPS | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 | $-1.65 | $0.40 |
| EBITDA | $572.9M | $566.2M | $577.5M | $392.6M | $89.9M | $210.8M | $251.8M |
| Operating cash flow | $413.4M | $393.5M | $392.8M | $247.9M | $163.4M | $152.9M | $218.4M |
| Free cash flow | $389.1M | $374.3M | $361.5M | $199.0M | $124.7M | $126.3M | $192.2M |
| Diluted shares | 47.9M | 40.4M | 36.9M | 32.8M | 30.3M | 27.3M | 10.8M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $105.5M | $60.0M | $91.2M | $98.8M | $131.0M | $136.2M |
| Short-term investments | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Total debt | $2.66B | $2.80B | $2.07B | $2.71B | $393.9M | $246.4M |
| Total assets | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B | $2.01B |
| Total liabilities | $2.87B | $2.87B | $3.01B | $3.07B | $2.34B | $1.54B |
| Shareholders' equity | $390.1M | $353.8M | $404.4M | $547.6M | $603.9M | $466.6M |
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