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    Financial - Credit Services
Oportun Financial Corporation

Oportun Financial Corporation

OPRT
Oportun Financial CorporationUS flagNASDAQ Global Select
4.72
USD
-0.34
- -
215.89MMarket Cap

Income Statement (USD)

APIChat
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Sales/Revenue/Turnover
249
325
474
442
335
530
641
281
295
406
+ Sales & Services Revenue
249
325
474
442
335
530
641
281
295
406
- Cost of Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cost of Goods & Services
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Profit
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Operating Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Selling, General & Admin
88
122
152
203
216
270
324
270
207
185
+ Research & Development
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Operating Expense
-88
-122
-152
-203
-216
-270
-324
-270
-207
-185
Operating Income (Loss)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Non-Operating (Income) Loss
-16
-2
-170
-84
58
-63
75
254
115
-44
+ Interest Expense, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Interest Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Interest Income
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Non-Op (Income) Loss
-16
-2
-170
-84
58
-63
75
254
115
-44
Pretax Income
16
2
170
84
-58
63
-75
-254
-115
44
- Income Tax Expense (Benefit)
-35
12
47
23
-13
15
2
-74
-36
19
- (Income) Loss from Affiliates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) from Cont Ops
51
-10
123
62
-45
47
-78
-180
-79
25
- Net Extraordinary Losses (Gains)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Discontinued Operations
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Extraord. & Accounting Changes
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Income (Loss) Incl. MI
51
-10
123
62
-45
47
-78
-180
-79
25
- Minority Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
51
-10
123
62
-45
47
-78
-180
-79
25
- Preferred Dividends
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- Other Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income Avail to Common, GAAP
51
-10
123
62
-45
47
-78
-180
-79
25
EBIT
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
EBITDA
8
11
12
14
20
27
48
55
51
41
EBITDA Margin (%)
3.37
3.26
2.5
3.19
6.03
5.11
7.42
19.56
17.33
10.2
EBITA
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Gross Margin (%)
100
100
100
100
100
100
100
100
100
100
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
20.45
-3.14
26.06
13.92
-13.45
8.94
-12.14
-64.12
-26.65
6.22
Sales per Employee
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
11
12
14
20
27
48
55
51
41
Basic Weighted Avg Shares
22
22
22
27
28
28
33
37
40
46
Basic EPS, GAAP
2.31
-0.46
5.6
2.28
-1.63
1.68
-2.37
-4.88
-1.95
0.54
Basic EPS from Cont Ops
2.31
-0.46
5.6
2.28
-1.63
1.68
-2.37
-4.88
-1.95
0.54
Diluted Weighted Avg Shares
23
22
22
27
28
30
33
37
41
48
Diluted EPS, GAAP
2.2
-0.46
5.59
2.28
-1.63
1.56
-2.37
-4.88
-1.93
0.53
Diluted EPS from Cont Ops
2.2
-0.46
5.59
2.28
-1.63
1.56
-2.37
-4.88
-1.93
0.53

Balance Sheet (USD)

APIChat
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Total Current Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash, Cash Equivalents & STI
- -
48
70
72
136
131
99
91
60
106
+ Cash & Cash Equivalents
- -
48
70
72
136
131
99
91
60
106
+ ST Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Accounts & Notes Receiv
- -
16
44
34
23
34
11
9
8
8
+ Accounts Receivable, Net
- -
9
13
17
15
21
32
- -
- -
- -
+ Notes Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Loans Receivable, Net
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Receivable, Net
- -
8
30
17
7
13
-21
9
8
8
+ Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Raw Materials
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Work In Process
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Finished Goods
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inventory Adjustments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Inventory
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Assets
- -
-65
-114
-106
-159
-165
-110
-100
-68
-114
+ Misc ST Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Prepaid Expenses
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Assets Held-for-Sale
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ ST Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Noncurrent Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Property, Plant & Equip, Net
- -
17
23
73
63
48
41
28
13
12
+ Property, Plant & Equip
- -
33
46
104
101
83
79
70
50
51
- Accumulated Depreciation
- -
15
23
31
38
34
38
42
38
39
+ LT Investments & Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Investments
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Receivables
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other LT Assets
- -
-17
-23
-73
-63
-48
-41
-28
-13
-12
+ Total Intangible Assets
- -
6
5
18
27
235
140
115
87
72
+ Goodwill
- -
- -
- -
- -
- -
104
- -
- -
- -
- -
+ Other Intangible Assets
- -
6
5
18
27
131
140
115
87
72
+ LT Deferred Tax Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Derivative & Hedging Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Assets
- -
-23
-29
-92
-90
-284
-181
-143
-99
-83
Total Assets
- -
1,215
1,740
2,202
2,009
2,947
3,614
3,412
3,227
3,258
+ Payables & Accruals
- -
50
51
63
36
71
53
50
35
30
+ Accounts Payable
- -
8
11
10
5
12
18
14
18
17
+ Accrued Taxes
- -
1
2
7
6
8
6
7
3
4
+ Interest & Dividends Payable
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Payables & Accruals
- -
40
38
46
25
51
29
29
14
8
+ ST Debt
- -
154
85
61
246
394
318
290
- -
- -
+ ST Borrowings
- -
154
85
61
246
394
318
290
- -
- -
+ ST Finance Leases
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other ST Liabilities
- -
-204
-136
-124
-282
-464
-371
-340
-35
-30
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc ST Liabilities
- -
-204
-136
-124
-282
-464
-371
-340
-35
-30
Total Current Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ LT Debt
- -
934
1,310
1,603
1,463
2,207
2,966
2,939
2,822
2,811
+ LT Borrowings
- -
934
1,310
1,549
1,414
2,160
2,928
2,910
2,804
2,799
+ LT Finance Leases
- -
- -
- -
53
50
48
38
28
18
11
+ Other LT Liabilities
- -
-934
-1,310
-1,603
-1,463
-2,207
-2,966
-2,939
-2,822
-2,811
+ Accrued Liabilities
- -
1
16
25
11
28
31
- -
- -
- -
+ Pension Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Revenue
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Deferred Tax Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Derivatives & Hedging
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Misc LT Liabilities
- -
-935
-1,326
-1,627
-1,474
-2,236
-2,997
-2,939
-2,822
-2,811
Total Noncurrent Liabilities
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Liabilities
- -
998
1,393
1,713
1,542
2,343
3,066
3,007
2,873
2,868
+ Preferred Equity and Hybrid Capital
- -
268
258
- -
- -
- -
- -
- -
- -
- -
+ Share Capital & APIC
- -
25
44
418
437
526
548
585
613
624
+ Common Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Additional Paid in Capital
- -
25
44
418
436
526
548
585
613
624
- Treasury Stock
- -
5
8
6
6
6
6
6
6
6
+ Retained Earnings
- -
-71
53
77
36
84
6
-174
-253
-227
+ Other Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Equity Before Minority Interest
- -
217
347
489
467
604
548
404
354
390
+ Minority/Non Controlling Interest
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
- -
217
347
489
467
604
548
404
354
390
Total Liabilities & Equity
- -
1,215
1,740
2,202
2,009
2,947
3,614
3,412
3,227
3,258
Shares Outstanding
- -
27
27
27
28
32
33
34
36
44
Number of Employees
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Capital Leases - Total
- -
- -
- -
53
50
48
38
28
18
11
Net Debt
- -
1,040
1,325
1,538
1,524
2,423
3,147
3,109
2,744
2,694
Net Debt to Equity
- -
479.85
382.36
314.66
326.58
401.17
574.67
768.77
775.64
690.62
Tangible Common Equity Ratio
- -
-4.71
4.79
21.54
22.16
13.6
11.74
8.79
8.51
9.99
Current Ratio
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash Conversion Cycle
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Cash Flow Statement (USD)

APIChat
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
+ Net Income
51
-10
123
62
-45
47
-78
-180
-79
25
+ Depreciation & Amortization
8
11
12
14
20
27
48
55
51
41
+ Non-Cash Items
47
120
33
128
212
99
359
539
451
349
+ Stock-Based Compensation
5
6
7
19
19
19
28
19
13
11
+ Deferred Income Taxes
-36
8
42
10
-14
16
- -
- -
- -
- -
+ Asset Impairment Charge
- -
- -
- -
- -
- -
- -
108
- -
- -
- -
+ Other Non-Cash Adj
79
106
-16
98
207
64
223
520
438
338
+ Chg in Non-Cash Work Cap
7
18
-30
15
-34
-10
-81
-21
-30
-2
+ (Inc) Dec in Accts Receiv
-2
-3
-7
-7
-4
-8
- -
- -
- -
- -
+ (Inc) Dec in Inventories
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ (Inc) Dec in Prepaid Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc (Dec) in Accts Payable
7
9
6
5
-27
- -
- -
- -
- -
- -
+ Inc (Dec) in Other
3
13
-29
17
-4
-2
-81
-21
-30
-2
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Operating Activities
114
139
138
218
153
163
248
393
394
413
+ Change in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp in Fixed & Intang
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Fixed Prod Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Disp of Intangible Assets
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Acq of Fixed & Intang
-14
-12
-18
-26
-27
- -
- -
- -
- -
- -
+ Acq of Fixed Prod Assets
-11
-9
-15
-9
-5
- -
- -
- -
- -
- -
+ Acq of Intangible Assets
-4
-3
-3
-17
-22
- -
- -
- -
- -
- -
+ Cash (Repurchase) of Equity
- -
- -
- -
60
- -
- -
- -
- -
- -
- -
+ Increase in Capital Stock
- -
- -
- -
60
- -
- -
- -
- -
- -
- -
+ Decrease in Capital Stock
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Change in LT Investment
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Dec in LT Investment
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Inc in LT Investment
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Acq & Div
- -
- -
- -
- -
- -
-112
- -
- -
- -
- -
+ Cash from Divestitures
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Cash for Acq of Subs
- -
- -
- -
- -
- -
-112
- -
- -
- -
- -
+ Cash for JVs
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Other Investing Activities
-296
-331
-453
-471
43
-773
-1,172
-286
-194
-370
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Investing Activities
-310
-343
-471
-498
16
-885
-1,172
-286
-194
-370
+ Dividends Paid
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
+ Net Cash From Debt
135
358
301
200
50
751
951
-99
-178
-56
+ Cash From Debt
761
1,242
1,825
538
978
2,771
3,234
945
1,737
2,870
+ Repayments of Debt
-626
-885
-1,525
-338
-928
-2,020
-2,283
-1,044
-1,915
-2,926
+ Other Financing Activities
87
-127
68
26
-187
-5
-17
-5
-13
-4
+ Net Cash From Disc Ops
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Cash from Financing Activities
222
231
368
286
-137
746
935
-104
-191
-59
Effect of Foreign Exchange Rates
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Changes in Cash
26
26
35
7
32
24
11
2
9
-16
EBITDA
8
11
12
14
20
27
48
55
51
41
EBITDA Margin (%)
3.37
3.26
2.5
3.19
6.03
5.11
7.42
19.56
17.33
10.2
Free Cash Flow
100
127
120
192
126
163
248
393
394
413
Net Cash Paid for Acquisitions
- -
- -
- -
- -
- -
112
- -
- -
- -
- -
Free Cash Flow to Firm
- -
127
120
192
- -
163
- -
- -
- -
413
Free Cash Flow to Equity
- -
756
414
152
198
915
1,199
294
215
358
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
Price/Free Cash Flow
- -
- -
- -
2.63
2.99
3.76
0.73
0.37
0.4
0.61
Cash Flow to Net Income
2.24
-13.63
1.12
3.55
-3.39
3.45
-3.19
-2.18
-5
16.38
Capital Expenditures
-14
-12
-18
-26
-27
- -
- -
- -
- -
- -