Oportun Financial Corporation

Oportun Financial Corporation

OPRT
Oportun Financial CorporationUS flagNASDAQ Global Select
9.34
USD
+0.19
- -
429.52MMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
11.32
14.74
21.51
16.38
12.11
18.82
19.52
7.61
7.31
8.74
8.44
Basic EPS, GAAP
2.31
-0.46
5.6
2.28
-1.63
1.68
-2.37
-4.88
-1.95
0.54
0.42
Free Cash Flow per Basic Share
4.54
5.77
5.47
7.12
4.56
5.8
7.55
10.65
9.75
8.91
8.97
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
-1.92
3.32
18.1
16.86
18.87
16.42
11.73
9.8
8.78
8.86
Tangible Book Value per Share
- -
-2.13
3.11
17.42
15.87
11.52
12.23
8.4
7.4
7.16
7.4
Basic Weighted Avg Shares
22
22
22
27
28
28
33
37
40
46
47
Sales/Revenue/Turnover
249
325
474
442
335
530
641
281
295
406
396
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
11
12
14
20
27
48
55
51
41
37
Net Income, GAAP
51
-10
123
62
-45
47
-78
-180
-79
25
19
Effective Tax Rate (%)
- -
593.28
27.46
27.04
- -
24.49
- -
- -
- -
42.72
51.28
Profit Margin (%)
20.45
-3.14
26.06
13.92
-13.45
8.94
-12.14
-64.12
-26.65
6.22
4.92
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
934
1,310
1,603
1,463
2,207
2,966
2,939
2,822
2,811
2,662
Total Equity
- -
217
347
489
467
604
548
404
354
390
407
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
21.34
-9.44
8.86
-13.5
-37.8
-20.75
6.79
4.98

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
2,799
2,706
2,650
LT Finance Leases
11
11
12
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
44
46
46
Market Capitalization
235
210
262

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
106
130
140
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
30
33
31
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
-1.66%
10.25%
Free Cash Flow
- -
28.96%
5.05%
Net Income, GAAP
- -
-105.21%
-132.09%
Sales/Revenue/Turnover
- -
13.11%
37.48%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
79
60
63
93
295
2025
106
105
105
90
406
2026
95
106
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.68
-0.87
-0.75
0.2
-1.95
2025
0.26
0.16
0.11
0.07
0.54
2026
0.05
0.18
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

CEO
Doug Bland
Full Time Employees
2,405
Sector
Financial Services
Industry
Financial - Credit Services
Address
1825 South Grant Street San Carlos CA United States of America 94402
IPO Date
Sep 26, 2019
Business
Oportun Financial Corporation (Nasdaq: OPRT) provides financial services to near-prime and underserved consumers in the United States, including personal loans, secured auto loans, credit cards, deposit accounts, debit card services, and savings and budgeting tools; it operates through online platforms, mobile applications, over-the-phone channels, retail locations in 109 stores across various states, and Lending as a Service partnerships. Founded in 2005 and headquartered in San Carlos, California, the mission-driven company, certified as a Community Development Financial Institution (CDFI) by the U.S. Treasury since 2009, serves approximately 2.0 million members, many from underrepresented groups, helping them establish credit history, access responsible and affordable credit totaling over $19.7 billion disbursed, and save more than $2.4 billion in interest and fees since inception. In September 2025, Oportun extended its lending partnership with Pathward Financial through 2029 to support nationwide unsecured and secured personal loans; in October 2025, it secured a new $247 million three-year revolving warehouse facility led by Citizens Financial Group and Community Investment Management, alongside a 12-month extension on an existing facility with Goldman Sachs and Jefferies, while reducing higher-cost corporate debt from $235 million to $185 million to lower financing costs and strengthen its balance sheet.

Company News

  • Oportun to Report Third Quarter 2026 Financial Results Tuesday, November 3, 2026

  • Oportun Financial (NASDAQ:OPRT) vs. Bread Financial (NYSE:BFH) Critical Analysis

  • Fast-paced Momentum Stock Oportun Financial (OPRT) Is Still Trading at a Bargain

  • Oportun Financial Eyes Stronger 2026 as Credit Quality, Profits Improve

  • Oportun Financial Eyes Stronger 2026 as Credit Quality, Profits Improve

  • Oportun to Present at Sidoti September Virtual Investor Conference

  • Oportun Appoints Bernardo Martinez as Chief Retail and Sales Officer and Garrett Hope as Chief Product Officer

  • Oportun Reports Inducement Grants under Nasdaq Listing Rule 5635(c)(4)

  • Oportun: The Turnaround Is Here, Upgrading To Buy

  • Take the Zacks Approach to Beat the Markets: Oportun Financial, Uranium Royalty & Amgen in Focus

  • Oportun Names Bill Franklin as Chief Financial Officer

  • Analyzing Capital One Financial (NYSE:COF) & Oportun Financial (NASDAQ:OPRT)

  • Why Fast-paced Mover Oportun Financial (OPRT) Is a Great Choice for Value Investors

  • Wall Street Analysts See a 30.97% Upside in Oportun Financial (OPRT): Can the Stock Really Move This High?

  • Earnings Estimates Moving Higher for Oportun Financial (OPRT): Time to Buy?

  • Despite Fast-paced Momentum, Oportun Financial (OPRT) Is Still a Bargain Stock

  • Oportun Appoints Scott Scheirman to its Board of Directors

  • Contrasting Oportun Financial (NASDAQ:OPRT) and PRA Group (NASDAQ:PRAA)

  • Oportun Financial Corporation (OPRT) Q2 2026 Earnings Call Transcript

  • Oportun Financial Q2 Earnings Call Highlights