Oportun Financial Corporation (OPRT) quarterly cash flow statement — complete operating, investing & financing 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 |
|---|
| Cash from Operations | 103.7M | 108.9M | 99.04M | 104.53M | 100.98M | 91.44M | 108.47M | 107.73M | 85.88M | 106.31M | 107.1M | 102.54M | 76.81M | 88.53M | 67.7M | 53.08M | 38.56M | 59.72M | 49.89M | 35.68M |
| Operating CF Margin % | 72.62% | 73.41% | 61.26% | 63.7% | 61.86% | 54.73% | 91.64% | 94.27% | 64.27% | 85.66% | 81.07% | 64.06% | 175.37% | 49.45% | 38.99% | 32.7% | 17.63% | 34.73% | 33.24% | 26.96% |
| Operating CF Growth % | 2.7% | 19.09% | -8.69% | -2.97% | 17.58% | -13.98% | 1.28% | 5.06% | 11.81% | 20.08% | 58.2% | 93.2% | 99.18% | 48.25% | 35.7% | 48.75% | 112.41% | 343.61% | 9.91% | -14.83% |
| Net Income | 2.3M | 3.4M | 5.2M | 6.88M | 9.77M | 8.74M | -29.96M | -31.02M | -26.44M | -41.82M | -21.1M | -14.9M | -102.09M | -8.42M | -105.83M | -9.16M | 45.66M | 14.17M | 22.98M | 7.25M |
| Depreciation & Amortization | 0 | 0 | 10.16M | 10.71M | 11.07M | 11.48M | 13.47M | 13.01M | 13.2M | 13.78M | 10.96M | 13.77M | 13.39M | 12.91M | 12.28M | 11.64M | 10.7M | 6.72M | 5.69M | 7.74M |
| Stock-Based Compensation | 0 | 0 | 2.49M | 2.71M | 2.83M | 2.85M | 3.22M | 2.94M | 3.98M | 4.88M | 4.36M | 4.47M | 4.88M | 6.87M | 7.05M | 6.93M | 6.77M | 4.32M | 4.09M | 5.37M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -16.23M | 0 | 0 | 0 | -6.54M | 0 | 0 | 2.45M | 5.52M | 4.45M |
| Other Non-Cash Items | 106.28M | 117.59M | 86.02M | 74.55M | 72.37M | 86.31M | 123.83M | 116M | 112.18M | 123.23M | 141.22M | 98.89M | 176.14M | 71.86M | 196.6M | 57.21M | 12.06M | 24.48M | 8.3M | 9.34M |
| Working Capital Changes | -4.88M | -12.09M | -4.83M | 9.68M | 4.95M | -17.93M | -2.1M | 6.8M | -17.04M | 6.23M | -12.1M | 314K | -15.51M | 5.31M | -35.87M | -13.55M | -36.63M | 7.59M | 3.31M | 1.54M |
| Change in Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -5.36M | -3.77M | 0 |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Investing | 8M | -189.2M | -72.63M | -52.34M | -55.52M | -56.43M | -110.28M | -63.44M | 36.46M | -96.81M | -85.3M | -64.37M | -39.65M | -255.67M | -277.85M | -515.53M | -122.5M | -568.04M | -259.59M | -66.14M |
| Capital Expenditures | 0 | 0 | -6.12M | 5.58M | -5.58M | -6.06M | -4.78M | -5.25M | -3.1M | -6.08M | -6.4M | -6.99M | -11.74M | -12.07M | -13.24M | -12.94M | -10.64M | -5.41M | -716K | -7.45M |
| CapEx % of Revenue | - | 4.18% | 3.78% | 3.4% | 3.42% | 3.63% | 4.04% | 4.6% | 2.32% | 4.9% | 4.84% | 4.37% | 26.81% | 6.74% | 7.63% | 7.97% | 4.87% | 3.15% | 0.48% | 5.63% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| 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 Investing | 8M | -189.2M | -66.51M | 333.08M | 331.96M | -50.37M | -105.51M | -58.19M | 39.56M | -90.73M | -80M | -57.38M | -27.91M | -243.6M | -264.61M | -504.79M | -111.86M | -562.64M | -258.87M | -58.69M |
| Cash from Financing | -100.8M | 55.3M | -30.68M | -54.94M | -29.11M | -48.93M | -6.28M | -4.21M | -131.81M | -3.13M | -24.4M | -37.76M | -39.06M | 98.75M | 348.5M | 425.75M | 61.53M | 477.53M | 75.49M | 205.24M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing | -474K | -2.1M | 2K | -1.1M | -511K | -5.61M | -4.78M | 0 | -2.66M | -1.54M | -563K | -7.77M | 4.49M | -2.13M | -7.11M | -537K | -7.08M | -1.81M | -836K | -284K |
| Net Change in Cash | 10.92M | -25.1M | -4.27M | -2.75M | 16.35M | -13.91M | -8.1M | 40.08M | -9.46M | 6.37M | -2.7M | 414K | -1.9M | -68.39M | 138.35M | -36.7M | -22.4M | -30.8M | -134.21M | 174.79M |
| Free Cash Flow | 103.7M | 102.66M | 92.92M | 110.11M | 95.4M | 85.39M | 103.69M | 102.47M | 82.78M | 100.23M | 100.7M | 95.56M | 65.07M | 76.46M | 54.46M | 40.14M | 27.92M | 54.31M | 43.51M | 28.23M |
| FCF Margin % | 72.62% | 69.2% | 57.48% | 67.1% | 58.44% | 51.1% | 87.6% | 89.67% | 61.95% | 80.76% | 76.23% | 59.69% | 148.56% | 42.71% | 31.36% | 24.73% | 12.77% | 31.58% | 28.99% | 21.33% |
| FCF Growth % | 8.7% | 20.23% | -10.38% | 7.45% | 15.24% | -14.81% | 2.97% | 7.24% | 27.22% | 31.08% | 84.92% | 138.07% | 133.03% | 40.79% | 25.15% | 42.19% | 140.06% | 679.55% | 9.91% | -18.58% |
| FCF per Share | 2.14 | 2.13 | 1.92 | 2.30 | 2.03 | 1.96 | 2.59 | 2.57 | 2.13 | 2.60 | 2.63 | 2.60 | 1.92 | 2.30 | 1.65 | 1.22 | 0.84 | 1.75 | 1.43 | 0.94 |
| FCF Conversion (FCF/Net Income) | 43.21x | 31.99x | 19.05x | 15.20x | 10.34x | 10.47x | -3.62x | -3.47x | -3.25x | -2.54x | -5.07x | -6.88x | -0.75x | -10.51x | -0.64x | -5.80x | 0.84x | 4.22x | 2.17x | 4.92x |
| Interest Paid | 0 | 47.12M | 47.24M | 49.92M | 50.45M | 53.48M | 53.55M | 50.28M | 56.66M | 57.25M | 49.27M | 39.99M | 37.46M | 34.27M | 0 | 0 | 13.82M | 10.25M | 10.99M | 11.96M |
| Taxes Paid | 0 | 1.07M | 386K | 1.08M | 317K | 270K | -270K | 0 | 0 | 0 | 249K | 864K | 307K | 0 | 0 | 0 | 328K | 1.84M | 239K | 1.57M |