Oportun Financial Corporation

OPRT

$7.41

-0.27%

N/A-$0.02

Financial Services

Financial - Credit Services

NASDAQ

Active Trading

This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options. Customers can ...

Financial Statements of OPRT

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$637.3M	+19.5%	+63.3%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$25.2M	+132.1%	+254.2%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+63.7%	+15.0%	+23.6%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+6.9%	+132.0%	+165.4%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+4.0%	+126.9%	+116.9%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$389.1M	+3.9%	+19.1%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+61.0%	-13.0%	-27.1%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	720.6%	-9.7%	-4.8%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	9.17x	+244.7%	-62.6%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$3.3B	+1.0%	-1.2%

Actual vs Estimate

A —Q —

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	—	—	—	—
Revenue Surprise	—	—	—	—

Quick Snapshot (Latest / TTM)

Revenue

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Net Income

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Gross Margin

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Free Cash Flow

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Debt / Equity

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Income · period columns · all API fields included

Profitability TrendTracks revenue, gross profit, and net income over time. Use it to see growth quality, margin behavior, and earnings stability.

Revenue, gross profit and net income trend over recent fiscal years.

Line Item

Debt to Equity HistoryCompares debt, equity, and cash trend by period. Rising debt faster than equity generally means leverage risk is increasing.

Balance Sheet Composition (Latest)Breaks the latest balance sheet into key asset buckets and liability/equity buckets to show capital structure mix at a glance.

Assets

Liabilities + Equity

Assets Labels

Liabilities + Equity Labels

Block area is proportional to value (USD billions).

Free Cash Flow vs Earnings BridgeWaterfall from net income to free cash flow: non-cash add-backs and working-capital/capex effects explain why cash differs from accounting profit.

Past Earnings Growth AnalysisCompares long-term growth (5Y CAGR) and recent growth (1Y). Big gaps can indicate either acceleration or deceleration.

Revenue by Geographic Segment (Current vs Previous)Grouped bars by region: one bar for current period, one bar for previous period.

No geographic segmentation data available.

Business Flow Breakdown (Latest Annual, By Product)Uses latest annual product segmentation (current tab = annual), then flows into Revenue, Gross Profit, Expenses, and Earnings.

No segmentation breakdown data available.

Original Filings (SEC)

Form	Filing Date	Report Date	Original File
8-K	2026-08-25	2026-08-19	Open SEC
8-K	2026-08-14	2026-08-11	Open SEC
10-Q	2026-08-06	2026-06-30	Open SEC
8-K	2026-08-05	2026-08-05	Open SEC
8-K	2026-07-07	2026-06-30	Open SEC
8-K	2026-06-24	2026-06-22	Open SEC
8-K	2026-06-18	2026-06-13	Open SEC
10-Q	2026-05-08	2026-03-31	Open SEC
8-K	2026-05-07	2026-05-07	Open SEC
8-K	2026-04-17	2026-04-13	Open SEC

Supply Chain of OPRT

RELATIONS

Upstream

Pathward Financial, Inc.NASDAQ:CASH WebBank (subsidiary of Steel Partners Holdings)NYSE:SPLP Deutsche Bank AGNYSE:DB Jefferies Financial Group Inc.NYSE:JEF Goldman Sachs Group, Inc.NYSE:GS Wells Fargo & CompanyNYSE:WFC JPMorgan Chase & Co.NYSE:JPM Citigroup Inc.NYSE:CPlaid Inc.Equifax Inc.NYSE:EFX TransUnionNYSE:TRUExperian plcLON:EXPN

Downstream

Individual Consumer Borrowers (Direct Lending)Individual Consumer Savers (Digital Banking Members)DolEx Dollar Express, Inc.Barri Financial GroupContinental Finance Company, LLC

Proxies

OneMain Holdings, Inc.NYSE:OMF Enova International, Inc.NYSE:ENVA SoFi Technologies, Inc.NASDAQ:SOFI LendingClub CorporationNYSE:LC Upstart Holdings, Inc.NASDAQ:UPST

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