Oportun Financial CorporationOPRTNASDAQ

Revenue (LTM)

$637M

+19.5% YoY

Net Income (LTM)

$25M

+132.0% YoY

Free Cash Flow

$389M

Revenue CAGR (5Y)

+2.5%

Marginsdeclining

FCF$0.4B

Now profitable

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Revenue	578	734↑26.9%	460↓37.3%	533↑15.9%	637↑19.5%
Gross Profit	530	641↑20.8%	281↓56.2%	295↑5.2%	406↑37.5%
Operating Income	63	-75↓219.9%	-254↓236.9%	-115↑54.6%	44↑138.3%
Net Income	47	-78↓264.0%	-180↓131.5%	-79↑56.3%	25↑132.0%
EBITDA	90	-28↓130.9%	-199↓616.2%	-64↑67.8%	85↑233.5%
EPS Diluted	1.56	-2.37↓251.9%	-4.88↓105.9%	-1.95↑60.0%	0.53↑127.2%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Cash & Equivalents	131	99↓24.5%	91↓7.7%	60↓34.2%	106↑75.9%
Total Current Assets	191	134↓29.6%	116↓13.7%	80↓30.9%	106↑31.9%
Total Assets	2,947	3,614↑22.6%	3,412↓5.6%	3,227↓5.4%	3,258↑1.0%
Total Current Liabilities	442	362↓18.1%	328↓9.2%	30↓90.8%	12↓61.7%
Total Liabilities	2,343	3,066↑30.9%	3,007↓1.9%	2,873↓4.5%	2,868↓0.2%
Total Equity	604	548↓9.3%	404↓26.1%	354↓12.5%	390↑10.3%
Total Debt	2,601	3,284↑26.2%	3,228↓1.7%	2,822↓12.6%	2,811↓0.4%
Net Debt	2,470	3,185↑28.9%	3,137↓1.5%	2,762↓11.9%	2,705↓2.1%

Metric	Dec 21	Dec 22	Dec 23	Dec 24	Dec 25
Operating Cash Flow	163	248↑51.7%	393↑58.5%	394↑0.2%	413↑5.1%
Capital Expenditure	-26	-49↓84.7%	-31↑36.1%	-19↑38.6%	-24↓26.8%
Free Cash Flow	137	199↑45.3%	362↑81.7%	374↑3.5%	389↑3.9%
Stock-Based Comp	19	28↑46.5%	19↓32.7%	13↓30.1%	0
Net Change in Cash	24	11↓55.4%	2↓79.7%	9↑291.5%	-16↓282.4%

Values in millions except EPS · Ratios shown as percentages · Click any metric to drill down

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