Oportun Financial Corporation (OPRT) quarterly balance sheet — complete assets, liabilities & equity history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Total Current Assets | 209.9M | 105.5M | 123.02M | 115.71M | 98.11M | 79.98M | 92.35M | 94.74M | 93.85M | 115.73M | 146.51M | 144.52M | 134.05M | 134.11M | 249.5M | 122.8M | 176.17M | 190.56M | 236.33M | 192.97M |
| Cash & Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cash Only | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Investments | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Sales Outstanding | - | - | - | - | - | - | - | - | - | - | 20.85 | 17.79 | 65.24 | - | 15.46 | 14.17 | 9 | 9.95 | 8.99 | 9.07 |
| Inventory | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | -11.65M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Non-Current Assets | 2.96B | 81.1M | 3.06B | 3.09B | 3.13B | 3.15B | 3.16B | 3.16B | 3.18B | 3.3B | 3.28B | 3.33B | 3.37B | 3.48B | 3.29B | 3.23B | 2.82B | 2.76B | 2.11B | 2.03B |
| Property, Plant & Equipment | 12.45M | 9.4M | 11.6M | 11.95M | 11.93M | 12.75M | 13.55M | 14.87M | 24.93M | 28.1M | 31.08M | 35.38M | 38.66M | 40.97M | 41.52M | 42.77M | 46.27M | 48.32M | 44.64M | 46.2M |
| Fixed Asset Turnover | 13.07x | 14.13x | 13.73x | 13.74x | 13.23x | 12.70x | 8.33x | 5.74x | 5.04x | 4.19x | 3.98x | 4.32x | 1.10x | 4.34x | 4.12x | 3.65x | 4.62x | 3.70x | 3.30x | 2.66x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 104.16M | 104.16M | 104.01M | 0 | 0 |
| Intangible Assets | 69.4M | 71.7M | 74.83M | 78.28M | 81.88M | 86.59M | 92.05M | 99.69M | 106.37M | 114.73M | 127.29M | 133.01M | 137.86M | 139.8M | 139.07M | 136.9M | 133.09M | 131.18M | 35.56M | 32.48M |
| Long-Term Investments | 2.77B | 2.87B | 2.77B | 2.77B | 2.78B | 2.79B | 2.79B | 2.84B | 2.85B | 2.97B | 2.96B | 2.99B | 3.01B | 3.18B | 2.99B | 2.85B | 2.45B | 2.39B | 1.97B | 1.73B |
| Other Non-Current Assets | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 3.17B | 3.26B | 3.19B | 3.2B | 3.23B | 3.23B | 3.25B | 3.25B | 3.28B | 3.41B | 3.43B | 3.47B | 3.5B | 3.61B | 3.54B | 3.35B | 2.99B | 2.95B | 2.35B | 2.22B |
| Asset Turnover | 0.04x | 0.05x | 0.05x | 0.05x | 0.05x | 0.05x | 0.04x | 0.04x | 0.04x | 0.04x | 0.04x | 0.05x | 0.01x | 0.05x | 0.05x | 0.05x | 0.07x | 0.06x | 0.07x | 0.06x |
| Asset Growth % | -1.82% | 0.95% | -2% | -1.52% | -1.56% | -5.42% | -5.21% | -6.38% | -6.41% | -5.58% | -3.11% | 3.64% | 17.03% | 22.64% | 50.77% | 50.8% | 50.22% | 46.67% | 22.44% | 12.5% |
| Total Current Liabilities | 4.44M | 11.5M | 29.66M | 30.58M | 30.58M | 30.06M | 39.16M | 40.51M | 39.23M | 328.44M | 460.11M | 530.92M | 447.07M | 361.88M | 406.79M | 548.74M | 509.22M | 441.97M | 557.2M | 19.78M |
| Accounts Payable | 0 | 17.44M | 18.54M | 17.36M | 18.49M | 17.62M | 15.14M | 19.99M | 14.37M | 13.7M | 14.79M | 20.22M | 15.76M | 18.11M | 11.31M | 11.88M | 6.97M | 11.62M | 7.88M | 5.26M |
| Days Payables Outstanding | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Short-Term Debt | 4.44M | 11.5M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 289.95M | 423.17M | 486.45M | 403.23M | 317.57M | 365.15M | 505.73M | 473.31M | 393.89M | 525.47M | 0 |
| Deferred Revenue (Current) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Current Liabilities | 0 | -29.95M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Ratio | 47.29x | 9.17x | 4.15x | 3.78x | 3.21x | 2.66x | 2.36x | 2.34x | 2.39x | 0.35x | 0.32x | 0.27x | 0.30x | 0.37x | 0.61x | 0.22x | 0.35x | 0.43x | 0.42x | 9.76x |
| Quick Ratio | 47.29x | 9.17x | 4.15x | 3.78x | 3.21x | 2.66x | 2.36x | 2.34x | 2.39x | 0.35x | 0.32x | 0.27x | 0.30x | 0.37x | 0.61x | 0.22x | 0.35x | 0.43x | 0.42x | 9.76x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 2.77B | 2.86B | 2.77B | 2.79B | 2.83B | 2.84B | 2.88B | 2.86B | 2.86B | 2.68B | 2.53B | 2.48B | 2.6B | 2.7B | 2.58B | 2.15B | 1.83B | 1.9B | 1.28B | 1.72B |
| Long-Term Debt | 2.71B | 2.8B | 2.73B | 2.75B | 2.79B | 2.8B | 2.84B | 2.81B | 2.8B | 2.91B | 2.89B | 2.9B | 2.94B | 2.93B | 2.85B | 2.56B | 2.17B | 2.16B | 1.69B | 1.61B |
| Capital Lease Obligations | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Deferred Tax Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Non-Current Liabilities | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | 2.77B | 2.87B | 2.8B | 2.83B | 2.86B | 2.87B | 2.92B | 2.9B | 2.9B | 3.01B | 2.99B | 3.01B | 3.05B | 3.07B | 2.99B | 2.7B | 2.34B | 2.34B | 1.84B | 1.74B |
| Total Debt | 2.72B | 2.81B | 2.74B | 2.76B | 2.81B | 2.82B | 2.86B | 2.83B | 2.83B | 3.23B | 3.35B | 3.42B | 3.37B | 3.28B | 3.25B | 3.1B | 2.69B | 2.6B | 2.26B | 1.66B |
| Net Debt | 2.51B | 2.71B | 2.64B | 2.67B | 2.73B | 2.76B | 2.79B | 2.76B | 2.76B | 3.14B | 3.27B | 3.35B | 3.3B | 3.18B | 3.07B | 3.04B | 2.58B | 2.47B | 2.09B | 1.52B |
| Debt / Equity | 6.87x | 7.21x | 7.15x | 7.35x | 7.67x | 7.98x | 8.72x | 7.99x | 7.41x | 7.98x | 7.59x | 7.46x | 7.40x | 6.00x | 5.92x | 4.79x | 4.14x | 4.31x | 4.41x | 3.43x |
| Debt / EBITDA | 216.04x | 175.31x | 112.43x | 132.71x | 115.84x | 183.38x | - | - | - | - | - | - | - | 658.31x | - | - | 39.33x | 94.20x | 66.76x | 94.56x |
| Net Debt / EBITDA | 199.38x | 168.73x | 108.15x | 128.06x | 112.60x | 179.49x | - | - | - | - | - | - | - | 638.50x | - | - | 37.72x | 89.46x | 61.78x | 86.68x |
| Interest Coverage | 0.08x | 0.11x | 0.25x | 0.17x | 0.23x | 0.05x | -0.71x | -0.91x | -0.56x | -1.10x | -0.80x | -0.42x | -3.63x | -0.22x | -4.21x | -0.74x | 4.22x | 1.83x | 2.65x | 0.81x |
| Total Equity | 396.3M | 390.1M | 383.85M | 375.99M | 366.1M | 353.81M | 327.56M | 354.12M | 381.97M | 404.4M | 441.36M | 458.4M | 456.15M | 547.6M | 549.11M | 648.2M | 649.94M | 603.88M | 511.42M | 484.33M |
| Equity Growth % | 8.25% | 10.26% | 17.19% | 6.18% | -4.16% | -12.51% | -25.79% | -22.75% | -16.26% | -26.15% | -19.62% | -29.28% | -29.82% | -9.32% | 7.37% | 33.83% | 37.7% | 29.41% | 12.89% | 6.6% |
| Book Value per Share | 8.17 | 8.10 | 7.95 | 7.85 | 7.78 | 8.12 | 8.20 | 8.89 | 9.82 | 10.51 | 11.53 | 12.49 | 13.42 | 16.48 | 16.63 | 19.74 | 19.50 | 19.41 | 16.77 | 16.12 |
| Total Shareholders' Equity | 396.3M | 390.1M | 383.85M | 375.99M | 366.1M | 353.81M | 327.56M | 354.12M | 381.97M | 404.4M | 441.36M | 458.4M | 456.15M | 547.6M | 549.11M | 648.2M | 649.94M | 603.88M | 511.42M | 484.33M |
| Common Stock | 8K | 8K | 8K | 8K | 7K | 7K | 7K | 7K | 7K | 7K | 7K | 7K | 7K | 7K | 7K | 7K | 7K | 6K | 6K | 6K |
| Retained Earnings | -224.9M | -227.3M | -230.69M | -235.89M | -242.76M | -252.53M | -261.27M | -231.31M | -200.29M | -173.85M | -132.03M | -110.89M | -95.99M | 6.1M | 14.53M | 120.35M | 129.51M | 83.85M | 69.68M | 46.7M |
| Treasury Stock | -6.3M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M |
| Accumulated OCI | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -172K | -249K |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |