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OPRT

Oportun Financial Corporation

OPRT

Oportun Financial Corporation • NASDAQ
$5.17 ▲ 1.57% (+0.08)
Market Cap $228.15 M
52w High $9.24
52w Low $3.45
Dividend Yield 0%
P/E 7.18
Volume 123.13K
Outstanding Shares 44.13M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $161.67M ▼ $90.806M ▼ $5.198M ▼ 3.215% ▼ $0.11 ▼ $24.404M ▲
Q2-2025 $164.088M ▲ $94.442M ▲ $6.877M ▼ 4.191% ▼ $0.15 ▼ $20.823M ▼
Q1-2025 $163.232M ▼ $92.67M ▲ $9.767M ▲ 5.984% ▲ $0.21 ▲ $24.227M ▲
Q4-2024 $167.087M ▲ $89.476M ▼ $8.738M ▲ 5.23% ▲ $0.2 ▲ $15.391M ▲
Q3-2024 $118.366M $102.081M $-29.956M -25.308% $-0.75 $-25.991M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $104.611M ▲ $3.186B ▼ $2.802B ▼ $383.854M ▲
Q2-2025 $96.816M ▲ $3.201B ▼ $2.825B ▼ $375.989M ▲
Q1-2025 $78.542M ▲ $3.226B ▼ $2.86B ▼ $366.099M ▲
Q4-2024 $59.968M ▼ $3.227B ▼ $2.873B ▼ $353.809M ▲
Q3-2024 $71.838M $3.251B $2.924B $327.556M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $5.198M ▼ $99.041M ▼ $-72.63M ▼ $-30.677M ▲ $-4.266M ▼ $92.924M ▼
Q2-2025 $6.877M ▼ $104.528M ▲ $-52.342M ▲ $-54.937M ▼ $-2.751M ▼ $110.106M ▲
Q1-2025 $9.767M ▲ $100.977M ▲ $-55.52M ▲ $-29.109M ▲ $16.348M ▲ $95.399M ▲
Q4-2024 $8.738M ▲ $91.445M ▼ $-56.427M ▲ $-48.93M ▼ $-13.912M ▼ $85.387M ▼
Q3-2024 $-29.956M $108.468M $-110.284M $-6.283M $-8.099M $103.69M

Five-Year Company Overview

Income Statement

Income Statement Oportun has grown its revenue meaningfully over the past few years, reflecting strong demand for its lending and financial services, though the most recent year shows a small pullback rather than continued acceleration. Profitability has been choppy: the company briefly generated solid profits but has since slipped back into losses, with operating performance weakening recently. This pattern suggests the business model can scale, but that credit costs, funding costs, or operating expenses have been hard to keep in balance. Overall, it looks like a company still in the middle of a profitability turnaround rather than one with stable, predictable earnings.

Balance Sheet

Balance Sheet The balance sheet is asset-heavy and funded largely with debt, which is typical for a lender but still means a meaningful reliance on borrowed money. Cash on hand is modest relative to the size of the business, leaving less of a cushion and putting more importance on continued access to funding markets. Shareholders’ equity has been drifting down, indicating that recent losses have eroded the capital base and increased financial leverage. This structure can amplify both upside and downside, making risk management and credit quality especially important.

Cash Flow

Cash Flow Despite reporting accounting losses, Oportun’s underlying cash generation from its operations has been consistently positive and has improved over time. Free cash flow has also strengthened, helped by relatively light spending on technology and infrastructure compared with the cash coming in from the loan book. This combination suggests the core franchise is cash-generative even while reported profits lag, likely due to non‑cash charges or timing differences in recognizing credit costs. Reliable cash flow is a key offset to the company’s higher leverage but would need to remain durable through different credit cycles.

Competitive Edge

Competitive Edge Oportun focuses on underserved consumers who often lack traditional credit scores, a segment that many mainstream banks overlook. Its use of AI‑driven underwriting and a long history of proprietary data gives it a differentiated way to assess risk in this market, creating a meaningful barrier for new entrants. The company’s mission of financial inclusion and its certification as a community development lender help build trust and loyalty in key communities, especially among low‑to‑moderate income and Hispanic customers. At the same time, it operates in a highly competitive and sensitive area of consumer finance, where regulatory changes, economic downturns, or misjudged credit risk can quickly pressure results.

Innovation and R&D

Innovation and R&D Innovation is central to Oportun’s story: it relies on advanced machine learning models, alternative data, and a digital‑first approach to reach and underwrite customers that traditional lenders struggle to serve. The acquisition of Digit adds automated savings, budgeting, and financial wellness features, turning the offering into more than just loans and deepening engagement with customers. The company is also pushing “lending as a service” partnerships and emphasizing secured personal loans, both of which are intended to improve risk‑adjusted returns and broaden distribution with relatively low incremental cost. Overall, Oportun behaves more like a data‑driven fintech platform than a traditional finance company, though the ultimate payoff of these initiatives will depend on credit performance and execution over time.

Summary

Oportun is a mission‑driven fintech lender targeting underserved consumers using AI‑based underwriting and a growing digital platform. Over the past several years it has shown that it can grow revenue and generate solid cash flow, but it has struggled to convert that into consistent and durable profitability, with recent results still in the red and margins under pressure. The balance sheet is highly leveraged with a thinner equity cushion, which heightens sensitivity to credit quality, funding conditions, and regulatory developments. On the opportunity side, the company has a clear niche, a meaningful technology and data advantage, and several growth levers in secured lending, partnerships, and financial wellness tools. The main watchpoints are credit risk through the economic cycle, regulatory scrutiny in consumer lending, and the company’s ability to sustain profitable growth while managing a leveraged capital structure.

NEWS

November 19, 2025 · 3:40 PM UTC

MULTIMEDIA UPDATE - Holiday Savings Surge: Oportun Reports $6.5 Million Saved for 2025, Up 30% From 2024

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November 19, 2025 · 12:12 PM UTC

Holiday Savings Surge: Oportun Reports $6.5 Million Saved for 2025, Up 30% From 2024

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November 4, 2025 · 4:05 PM UTC

Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance

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October 21, 2025 · 4:10 PM UTC

Oportun to Report Third Quarter 2025 Financial Results on Tuesday, November 4, 2025

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October 20, 2025 · 8:00 AM UTC

Oportun Completes $441 Million Asset Backed Securitization

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