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Oportun Financial Corporation(OPRT)Earnings, Financials & Key Ratios
OPRT•NASDAQ•Banking & Credit
$5.81
$259M mkt cap·11.0× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutOportun 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.Show more
- Net Interest Income$662M-7.0%
- Total Revenue$637M+19.5%
- Net Income$25M+132.0%
- Return on Equity6.78%+132.6%
- Net Interest Margin20.31%-7.9%
- Efficiency Ratio56.76%-26.2%
- ROA0.78%+132.8%
- Equity / Assets11.97%+9.2%
- Book Value per Share8.15-7.0%
- Tangible BV/Share6.65+0.5%
- Debt/Equity7.21-9.7%
OPRT Key Insights
Oportun Financial Corporation (OPRT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 8/9
- ✓Strong NIM of 20.3%
- ✓Well capitalized: 12.0% equity/assets
- ✓Trading at only 0.7x book value
✗Weaknesses
- ✗High debt to equity ratio of 7.2x
- ✗Shares diluted 18.6% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
OPRT Price & Volume
Oportun Financial Corporation (OPRT) stock price & volume — 10-year historical chart
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OPRT Growth Metrics
Oportun Financial Corporation (OPRT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years10.13%
3 Years-4.58%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM132.08%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM126.4%
Return on Capital
10 Years0.6%
5 Years-1.99%
3 Years-3.44%
Last Year1.37%
OPRT Recent Earnings
Oportun Financial Corporation (OPRT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 8/12 qtrs (67%)
Q1 2026Latest
Feb 26, 2026EPS
$0.27
Est $0.26
+3.8%
Revenue
$248M
Est $243M
+1.9%
Q4 2025
Nov 4, 2025EPS
$0.39
Est $0.26
+50.0%
Revenue
$162M
Est $243M
-33.6%
Q3 2025
Aug 6, 2025EPS
$0.31
Est $0.22
+40.9%
Revenue
$164M
Est $239M
-31.2%
Q2 2025
May 8, 2025EPS
$0.40
Est $0.09
+344.4%
Revenue
$236M
Est $229M
+3.2%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q1 2026Latest | Feb 26, 2026 | $0.27vs $0.26+3.8% | $248Mvs $243M+1.9% |
| Q4 2025 | Nov 4, 2025 | $0.39vs $0.26+50.0% | $162Mvs $243M-33.6% |
| Q3 2025 | Aug 6, 2025 | $0.31vs $0.22+40.9% | $164Mvs $239M-31.2% |
| Q2 2025 | May 8, 2025 | $0.40vs $0.09+344.4% | $236Mvs $229M+3.2% |
Based on last 12 quarters of dataView full earnings history →
OPRT Peer Comparison
Oportun Financial Corporation (OPRT) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 ENVA | 4.3B | 172.57 | 14.90 | 18.58% | 24.88% | 3.41 | ||
 WRLD | 751.13M | 149.09 | 9.15 | -1.46% | 10.79% | 1.20 | ||
 RM | 328.61M | 34.97 | 7.86 | 9.7% | 13.16% | 4.65 | ||
 PRAA | 818.67M | 21.29 | -2.73 | 10.36% | -25.96% | 0.03 | ||
 LDI | 469.04M | 1.40 | -4.67 | 37.59% | -14.5% | 13.05 | ||
 ATLC | 1.16B | 77.82 | 13.06 | 53.29% | 21.1% | 10.84 | ||
 CACC | 5.63B | 539.93 | 14.38 | 8.57% | 29.39% | 4.17 | ||
 NAVI | 820.53M | 8.73 | -10.78 | -23.74% | -2.45% | 19.05 |
Compare OPRT vs Peers
Oportun Financial Corporation (OPRT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
OPRT Income Statement
Oportun Financial Corporation (OPRT) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 291.54M | 401.86M | 483.58M | 487.1M | 528.17M | 786.91M | 805.16M | 711.53M | 661.7M |
| NII Growth % | 29.35% | 37.84% | 20.34% | 0.73% | 8.43% | 48.99% | 2.32% | -11.63% | -7% |
| Net Interest Margin % | 23.99% | 23.1% | 21.96% | 24.25% | 17.92% | 21.78% | 23.6% | 22.05% | 20.31% |
| Interest Income | 327.94M | 448.78M | 544.1M | 545.5M | 575.8M | 876.1M | 984.57M | 949.69M | 893.2M |
| Interest Expense | 36.4M | 46.92M | 60.5M | 58.4M | 47.7M | 93M | 179.41M | 238.16M | 231.5M |
| Loan Loss Provision | 98.31M | 16.15M | -4.44M | -32K | -31K | 46K | 0 | 0 | 3K |
| Non-Interest Income | 33.02M | 71.7M | -41.19M | -152.07M | 2.35M | -142.4M | -524.49M | -416.33M | -255.86M |
| Non-Interest Income % | 9.15% | 13.78% | -8.19% | -38.65% | 0.41% | -19.41% | -114% | -78.06% | -40.14% |
| Total Revenue | 360.95M▲ 0% | 520.48M▲ 44.2% | 502.91M▼ 3.4% | 393.43M▼ 21.8% | 578.15M▲ 47.0% | 733.7M▲ 26.9% | 460.08M▼ 37.3% | 533.36M▲ 15.9% | 637.34M▲ 19.5% |
| Revenue Growth % | 30.06% | 44.2% | -3.38% | -21.77% | 46.95% | 26.91% | -37.29% | 15.93% | 19.49% |
| Non-Interest Expense | 224.17M | 287.32M | 362.42M | 393.15M | 467.69M | 715.94M | 534.32M | 410.38M | 361.76M |
| Efficiency Ratio | 62.11% | 55.2% | 72.06% | 99.93% | 80.89% | 97.58% | 116.14% | 76.94% | 56.76% |
| Operating Income | 2.07M▲ 0% | 170.09M▲ 8121.1% | 84.43M▼ 50.4% | -58.09M▼ 168.8% | 62.79M▲ 208.1% | -75.29M▼ 219.9% | -253.65M▼ 236.9% | -115.18M▲ 54.6% | 44.08M▲ 138.3% |
| Operating Margin % | 0.57% | 32.68% | 16.79% | -14.77% | 10.86% | -10.26% | -55.13% | -21.59% | 6.92% |
| Operating Income Growth % | -87.11% | 8121.12% | -50.36% | -168.81% | 208.09% | -219.9% | -236.92% | 54.59% | 138.27% |
| Pretax Income | 2.07M▲ 0% | 170.09M▲ 8121.1% | 84.43M▼ 50.4% | -58.09M▼ 168.8% | 62.79M▲ 208.1% | -75.29M▼ 219.9% | -253.65M▼ 236.9% | -115.18M▲ 54.6% | 44.1M▲ 138.3% |
| Pretax Margin % | 0.57% | 32.68% | 16.79% | -14.77% | 10.86% | -10.26% | -55.13% | -21.59% | 6.92% |
| Income Tax | 12.28M | 46.7M | 22.83M | -13.01M | 15.38M | 2.46M | -73.7M | -36.49M | 18.8M |
| Effective Tax Rate % | 593.28% | 27.46% | 27.04% | 22.4% | 24.49% | -3.26% | 29.06% | 31.69% | 42.63% |
| Net Income | -10.21M▲ 0% | 123.39M▲ 1309.0% | 61.6M▼ 50.1% | -45.08M▼ 173.2% | 47.41M▲ 205.2% | -77.74M▼ 264.0% | -179.95M▼ 131.5% | -78.68M▲ 56.3% | 25.2M▲ 132.0% |
| Net Margin % | -2.83% | 23.71% | 12.25% | -11.46% | 8.2% | -10.6% | -39.11% | -14.75% | 3.95% |
| Net Income Growth % | -120.07% | 1309.03% | -50.08% | -173.19% | 205.17% | -263.97% | -131.47% | 56.28% | 132.03% |
| Net Income (Continuing) | -10.21M | 123.39M | 61.6M | -45.08M | 47.41M | -77.74M | -179.95M | -78.68M | 25.2M |
| EPS (Diluted) | -0.46▲ 0% | 5.59▲ 1315.2% | 0.40▼ 92.8% | -1.65▼ 512.5% | 1.56▲ 194.5% | -2.37▼ 251.9% | -4.88▼ 105.9% | -1.95▲ 60.0% | 0.53▲ 127.2% |
| EPS Growth % | -120.91% | 1315.22% | -92.84% | -512.5% | 194.55% | -251.92% | -105.91% | 60.04% | 127.18% |
| EPS (Basic) | -0.46 | 5.60 | 0.46 | -1.65 | 1.68 | -2.37 | -4.88 | -1.95 | 0.53 |
| Diluted Shares Outstanding | 22.06M | 22.06M | 10.76M | 27.33M | 30.32M | 32.83M | 36.88M | 40.36M | 47.86M |
OPRT Balance Sheet
Oportun Financial Corporation (OPRT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 48.35M | 70.47M | 72.18M | 136.19M | 130.96M | 98.82M | 91.19M | 59.97M | 105.5M |
| Cash & Due from Banks | 48.35M | 70.47M | 72.18M | 136.19M | 130.96M | 98.82M | 91.19M | 59.97M | 105.5M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 2.4M | 27.65M | 1.93B | 1.7B | 2.39B | 3.18B | 2.97B | 2.79B | 2.87B |
| Investments Growth % | 167.86% | 1052% | 6867.63% | -11.87% | 40.62% | 33.04% | -6.44% | -6.04% | 2.88% |
| Long-Term Investments | 2.4M | 27.65M | 1.93B | 1.7B | 2.39B | 3.18B | 2.97B | 2.79B | 2.87B |
| Accounts Receivables | 8.72M | 13.18M | 17.18M | 15.43M | 20.92M | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 5.66M | 5.49M | 18.34M | 27.48M | 235.19M | 139.8M | 114.73M | 86.59M | 71.7M |
| Goodwill | 0 | 0 | 0 | 0 | 104.01M | 0 | 0 | 0 | 0 |
| Intangible Assets | 5.66M | 5.49M | 18.34M | 27.48M | 131.18M | 139.8M | 114.73M | 86.59M | 71.7M |
| PP&E (Net) | 17.16M | 23.2M | 73.34M | 62.67M | 48.32M | 40.97M | 28.1M | 12.75M | 9.4M |
| Other Assets | -31.54M | -28.69M | 63.96M | 43.19M | 81.33M | 120.85M | 133.55M | 173.05M | -2.87B |
| Total Current Assets | 64.61M | 114.02M | 118.26M | 176.31M | 190.56M | 134.11M | 115.73M | 79.98M | 105.5M |
| Total Non-Current Assets | 22.82M | 28.69M | 2.08B | 1.83B | 2.76B | 3.48B | 3.3B | 3.15B | 81.1M |
| Total Assets | 1.22B▲ 0% | 1.74B▲ 43.2% | 2.2B▲ 26.5% | 2.01B▼ 8.8% | 2.95B▲ 46.7% | 3.61B▲ 22.6% | 3.41B▼ 5.6% | 3.23B▼ 5.4% | 3.26B▲ 1.0% |
| Asset Growth % | 26.81% | 43.2% | 26.55% | -8.76% | 46.67% | 22.64% | -5.58% | -5.42% | 0.95% |
| Return on Assets (ROA) | -0.94% | 8.35% | 3.13% | -2.14% | 1.91% | -2.37% | -5.12% | -2.37% | 0.78% |
| Accounts Payable | 8.18M | 10.64M | 9.76M | 5.25M | 11.62M | 18.11M | 13.7M | 17.62M | 17.44M |
| Total Debt | 933.99M | 1.31B | 1.66B | 1.71B | 2.6B | 3.28B | 3.23B | 2.82B | 2.81B |
| Net Debt | 885.64M | 1.24B | 1.59B | 1.57B | 2.47B | 3.18B | 3.14B | 2.76B | 2.71B |
| Long-Term Debt | 779.66M | 1.22B | 1.55B | 1.41B | 2.16B | 2.93B | 2.91B | 2.8B | 2.8B |
| Short-Term Debt | 154.33M | 0 | 60.91M | 246.38M | 393.89M | 317.57M | 289.95M | 0 | 6.68M |
| Other Liabilities | -781.15M | -1.24B | 2.02M | -200.98M | -335.04M | -292.42M | -259.51M | 20.79M | 56.81M |
| Total Current Liabilities | 162.51M | 95.93M | 83.64M | 269.46M | 441.97M | 361.88M | 328.44M | 30.06M | 11.5M |
| Total Non-Current Liabilities | 781.15M | 1.24B | 1.63B | 1.27B | 1.9B | 2.7B | 2.68B | 2.84B | 2.86B |
| Total Liabilities | 998.31M | 1.39B | 1.71B | 1.54B | 2.34B | 3.07B | 3.01B | 2.87B | 2.87B |
| Total Equity | 216.73M▲ 0% | 346.55M▲ 59.9% | 488.77M▲ 41.0% | 466.63M▼ 4.5% | 603.88M▲ 29.4% | 547.6M▼ 9.3% | 404.4M▼ 26.1% | 353.81M▼ 12.5% | 390.1M▲ 10.3% |
| Equity Growth % | -3.06% | 59.9% | 41.04% | -4.53% | 29.41% | -9.32% | -26.15% | -12.51% | 10.26% |
| Equity / Assets (Capital Ratio) | 17.84% | 19.92% | 22.2% | 23.23% | 20.49% | 15.15% | 11.85% | 10.96% | 11.97% |
| Return on Equity (ROE) | -4.64% | 43.81% | 14.75% | -9.44% | 8.86% | -13.5% | -37.8% | -20.75% | 6.78% |
| Book Value per Share | 9.82 | 15.71 | 45.42 | 17.07 | 19.91 | 16.68 | 10.97 | 8.77 | 8.15 |
| Tangible BV per Share | 9.57 | 15.46 | 43.71 | 16.07 | 12.16 | 12.42 | 7.86 | 6.62 | 6.65 |
| Common Stock | 3K | 3K | 6K | 6K | 6K | 7K | 7K | 7K | 8K |
| Additional Paid-in Capital | 24.7M | 44.41M | 418.3M | 436.5M | 526.34M | 547.8M | 584.55M | 612.64M | 623.67M |
| Retained Earnings | -70.73M | 52.66M | 76.68M | 36.43M | 83.85M | 6.1M | -173.85M | -252.53M | -227.3M |
| Accumulated OCI | -142K | -132K | -162K | -261K | 0 | 0 | 0 | 0 | 0 |
| Treasury Stock | -5.22M | -8.43M | -6.12M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M |
| Preferred Stock | 267.99M | 257.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
OPRT Cash Flow Statement
Oportun Financial Corporation (OPRT) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 139.12M | 138.37M | 218.37M | 152.87M | 163.45M | 247.88M | 392.76M | 393.52M | 413.4M |
| Operating CF Growth % | 22.14% | -0.53% | 57.81% | -30% | 6.92% | 51.65% | 58.45% | 0.19% | 5.05% |
| Net Income | -10.21M | 123.39M | 61.6M | -45.08M | 47.41M | -77.74M | -179.95M | -78.68M | 25.2M |
| Depreciation & Amortization | 10.59M | 11.82M | 14.1M | 20.22M | 27.11M | 47.53M | 54.88M | 51.16M | 0 |
| Deferred Taxes | 8.29M | 42.02M | 10.42M | -14.46M | 16.45M | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 106.37M | -15.76M | 97.99M | 206.96M | 64.03M | 331.2M | 520.29M | 438.32M | 390.49M |
| Working Capital Changes | 18.37M | -29.88M | 15.08M | -34.26M | -10.42M | -80.74M | -21.05M | -30.26M | -2.29M |
| Cash from Investing | -343.39M | -471.43M | -497.68M | 16.38M | -884.79M | -1.17B | -286.18M | -193.69M | -369.7M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Acquisitions | 0 | 0 | 0 | 0 | -111.65M | 0 | 0 | 0 | 0 |
| Other Investing | -334.84M | -453.48M | -488.81M | 21.2M | -746.66M | -1.12B | -254.92M | -174.5M | -369.7M |
| Cash from Financing | 230.69M | 368.07M | 286.27M | -136.8M | 745.71M | 934.53M | -104.39M | -191.22M | -59.4M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 60.48M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 60.48M | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | -9.15M | -1.22M | 842K | -2.04M | -5.42M | -16.85M | -5.42M | -13.04M | -3.68M |
| Net Change in Cash | 26.42M▲ 0% | 35.02M▲ 32.6% | 6.97M▼ 80.1% | 32.45M▲ 365.8% | 24.37M▼ 24.9% | 10.86M▼ 55.4% | 2.2M▼ 79.7% | 8.61M▲ 291.5% | -15.7M▼ 282.4% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 67.74M | 94.16M | 129.18M | 136.14M | 168.59M | 192.96M | 203.82M | 206.02M | 214.6M |
| Cash at End | 94.16M | 129.18M | 136.14M | 168.59M | 192.96M | 203.82M | 206.02M | 214.63M | 198.9M |
| Interest Paid | 31.06M | 42.43M | 58.04M | 57.14M | 46.83M | 85.78M | 183.97M | 213.97M | 194.72M |
| Income Taxes Paid | 4.4M | 20.44M | 2.93M | 2.83M | 3.88M | 0 | 0 | 1.04M | 2.85M |
| Free Cash Flow | 127.1M▲ 0% | 120.43M▼ 5.2% | 192.15M▲ 59.6% | 131.1M▼ 31.8% | 136.97M▲ 4.5% | 198.98M▲ 45.3% | 361.5M▲ 81.7% | 374.33M▲ 3.5% | 389.08M▲ 3.9% |
| FCF Growth % | 27.47% | -5.25% | 59.55% | -31.77% | 4.48% | 45.27% | 81.68% | 3.55% | 3.94% |
OPRT Banking Ratios
Oportun Financial Corporation (OPRT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 22.75% | -4.64% | 43.81% | 14.75% | -9.44% | 8.86% | -13.5% | -37.8% | -20.75% | 6.78% |
| Return on Assets (ROA) | 5.31% | -0.94% | 8.35% | 3.13% | -2.14% | 1.91% | -2.37% | -5.12% | -2.37% | 0.78% |
| Net Interest Margin | 23.52% | 23.99% | 23.1% | 21.96% | 24.25% | 17.92% | 21.78% | 23.6% | 22.05% | 20.31% |
| Efficiency Ratio | 58.49% | 62.11% | 55.2% | 72.06% | 99.93% | 80.89% | 97.58% | 116.14% | 76.94% | 56.76% |
| Equity / Assets | 23.33% | 17.84% | 19.92% | 22.2% | 23.23% | 20.49% | 15.15% | 11.85% | 10.96% | 11.97% |
| Book Value / Share | 9.67 | 9.82 | 15.71 | 45.42 | 17.07 | 19.91 | 16.68 | 10.97 | 8.77 | 8.15 |
| NII Growth | - | 29.35% | 37.84% | 20.34% | 0.73% | 8.43% | 48.99% | 2.32% | -11.63% | -7% |
OPRT SEC Filings & Documents
Oportun Financial Corporation (OPRT) SEC filings — annual & quarterly reports (10-K, 10-Q)
OPRT Frequently Asked Questions
Oportun Financial Corporation (OPRT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Oportun Financial Corporation (OPRT) grew revenue by 19.5% over the past year. This is strong growth.
Yes, Oportun Financial Corporation (OPRT) is profitable, generating $25.2M in net income for fiscal year 2025 (4.0% net margin).
Dividend & Returns
Oportun Financial Corporation (OPRT) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.
Industry Metrics
Oportun Financial Corporation (OPRT) has a net interest margin (NIM) of 20.3%. This indicates healthy earnings from lending activities.
Oportun Financial Corporation (OPRT) has an efficiency ratio of 56.8%. This is reasonable for a bank.
Explore More OPRT
Oportun Financial Corporation (OPRT) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Dividend History
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Earnings History
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Price History
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Revenue History
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Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
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