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Definitive Analysis

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Page: Company Financials

Oportun Financial Corporation

Ticker: OPRT | Industry: Financial - Credit Services | Sector: Financial Services
$5.13 +0.12 (2.40%)
As of: 2026-01-15

Master Data Export


Enterprise Value

Metric MRQ MRQ-1 2025 2024 2023 2022 2021 2020 2019 2018 2017
Stock Price 6.17 7.16 6.27 2.94 5.24 8.13 21.51 13.79 18.09 16.17 16.17
Market Capitalization 288.21M 333.46M 290.48M 119.34M 194.27M 265.11M 606.14M 377.55M 466.54M 355.99M 355.71M
(-) Cash & Equivalents 104.61M 96.82M 93.32M 68.47M 80.14M 112.81M 144.56M 132.48M 82.63M 38.35M 12.09M
(+) Total Debt 13.29M 2,763.50M 1,861.07M 2,834.56M 2,942.58M 2,666.26M 1,762.81M 1,452.10M 1,474.16M 869.38M 233.50M
Enterprise Value 196.88M 3,000.13M 2,058.22M 2,885.43M 3,056.71M 2,818.56M 2,224.39M 1,697.18M 1,858.07M 1,187.01M 577.12M

Income Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31
Revenue 656M 490M 533M 460M 734M 578M 393M 503M 520M 361M 278M 195M
Cost of Revenue 247M 216M 238M 179M 93M 48M 58M 56M 63M 135M 99M 0M
Gross Profit 409M 274M 295M 281M 641M 530M 335M 447M 457M 226M 178M 195M
Gross Profit Margin 62.3% 55.9% 55.3% 61.0% 87.3% 91.8% 85.2% 88.9% 87.9% 62.7% 64.3% 100.0%
R&D Expenses 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 0M 2M
SG&A Expenses 186M 227M 207M 270M 324M 270M 216M 203M 152M 122M 88M 96M
Operating Expenses 367M 450M 410M 534M 716M 468M 393M 362M 287M 224M 162M 78M
Operating Income (EBIT) 41M -176M -115M -254M -75M 63M -58M 84M 170M 2M 16M 118M
Operating Income Margin 6.3% -36.0% -21.6% -55.1% -10.3% 10.9% -14.8% 16.8% 32.7% 0.6% 5.8% 60.3%
Interest Income 910M 972M 950M 985M 876M 576M 546M 544M 449M 328M 254M 0M
Interest Expense 247M 216M 238M 179M 93M 48M 58M 61M 47M 36M 29M 0M
Net Interest Income 663M 755M 712M 805M 783M 528M 487M 484M 402M 292M 225M 0M
Unusual Items -663M -755M -712M -805M -783M -528M -487M -484M -402M -292M -225M -108M
EBT Excluding Unusual Items 704M 579M 596M 552M 708M 591M 429M 568M 572M 294M 241M 118M
Pre-Tax Income 41M -176M -115M -254M -75M 63M -58M 84M 170M 2M 16M 10M
Pre-Tax Margin 6.3% -36.0% -21.6% -55.1% -10.3% 10.9% -14.8% 16.8% 32.7% 0.6% 5.8% 4.9%
Income Tax Expense 11M -47M -36M -74M 2M 15M -13M 23M 47M 12M -35M 1M
Net Income 31M -129M -79M -180M -78M 47M -45M 62M 123M -10M 51M 8M
Net Income Margin 4.7% -26.4% -14.8% -39.1% -10.6% 8.2% -11.5% 12.2% 23.7% -2.8% 18.3% 4.3%
Depreciation & Amortization 43M 53M 51M 55M 48M 27M 20M 14M 12M 11M 8M 5M
EBITDA 85M -123M -64M -199M -28M 90M -38M 99M 182M 13M 24M 123M
EBITDA Margin 12.9% -25.1% -12.0% -43.2% -3.8% 15.6% -9.6% 19.6% 35.0% 3.5% 8.8% 62.9%
NOPAT 31M -139M -91M -200M -59M 47M -46M 62M 123M -10M 51M 104M
NOPAT Margin 4.7% -28.4% -17.1% -43.6% -8.1% 8.2% -11.7% 12.2% 23.7% -2.8% 18.3% 53.1%
Owner's Earnings 62M -95M -47M -156M -79M 48M -47M 49M 117M -12M 45M 2M
Owner's Earnings Margin 9.4% -19.4% -8.8% -34.0% -10.8% 8.3% -11.9% 9.8% 22.5% -3.2% 16.2% 1.1%
EPS (Basic) 0.67 -3.30 -1.95 -4.88 -2.37 1.68 -1.65 0.46 5.60 -0.46 2.31 0.31
EPS (Diluted) 0.65 -3.29 -1.95 -4.88 -2.37 1.56 -1.65 5.72 5.59 -0.46 2.20 0.31
Shares (Basic) 45M 39M 40M 37M 33M 28M 27M 9M 22M 22M 22M 27M
Shares (Diluted) 47M 39M 40M 37M 33M 30M 27M 11M 22M 22M 23M 27M

Balance Sheet

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Cash & Cash Equivalents 104.61M 96.82M 59.97M 91.19M 98.82M 130.96M 136.19M 72.18M 70.48M 48.35M 35.58M
Short-Term Investments 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Cash & Short-Term Investments 104.61M 96.82M 59.97M 91.19M 98.82M 130.96M 136.19M 72.18M 70.48M 48.35M 35.58M
Net Receivables 8.39M 8.96M 8.39M 8.78M 11.12M 34.25M 22.88M 33.87M 0.00M 0.00M 0.00M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -181.96M -117.62M 0.00M
Other Current Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 74.96M
Total Current Assets 113.00M 105.78M 68.36M 99.97M 109.94M 165.21M 159.07M 106.05M -111.48M -69.27M 110.54M
Property, Plant & Equipment 11.60M 11.95M 12.75M 28.10M 40.97M 48.32M 62.67M 73.34M 23.20M 17.16M 15.82M
Goodwill 0.00M 0.00M 0.00M 0.00M 0.00M 104.01M 0.00M 0.00M 0.00M 0.00M 0.00M
Intangible Assets 74.83M 78.28M 86.59M 114.74M 139.80M 131.18M 27.48M 18.34M 5.49M 5.66M 0.00M
Long-Term Investments 2,770.98M 2,769.69M 2,792.29M 2,971.66M 3,176.17M 2,387.30M 1,697.68M 1,926.41M 27.65M 2.40M 0.90M
Tax Assets 69.47M 77.79M 82.44M 48.12M 1.79M 3.92M 1.72M 1.56M 1.04M 29.14M 39.94M
Other Non-Current Assets 136.29M 147.67M 173.05M 133.55M 120.85M 81.33M 43.19M 63.96M -28.69M -31.54M 17.60M
Other Assets 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 1,597.23M 1,127.61M 0.00M
Total Non-Current Assets 3,063.16M 3,085.38M 3,147.12M 3,296.16M 3,479.59M 2,756.07M 1,832.74M 2,083.61M 1,625.92M 1,150.43M 74.25M
Total Assets 3,176.17M 3,191.15M 3,215.48M 3,396.13M 3,589.53M 2,921.27M 1,991.81M 2,189.66M 1,514.44M 1,081.16M 184.80M
Accounts Payable 18.54M 17.37M 17.62M 13.70M 18.12M 11.62M 5.25M 9.76M 10.65M 8.18M 0.00M
Short-Term Debt 0.00M 0.00M 0.00M 289.95M 317.57M 393.89M 246.39M 60.91M 0.00M 154.33M 0.00M
Tax Payables 3.58M 3.47M 3.14M 7.14M 5.91M 8.37M 5.95M 7.35M 1.61M 1.11M 0.00M
Deferred Revenue 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 2.21M 1.49M 0.00M
Other Current Liabilities 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -50.53M -203.83M 0.00M
Total Current Liabilities 22.12M 20.84M 20.75M 310.79M 341.60M 413.88M 257.58M 78.03M -36.07M -38.72M 0.00M
Long-Term Debt 2,730.52M 2,748.53M 2,804.24M 2,910.17M 2,928.12M 2,159.69M 1,413.69M 1,549.22M 1,224.98M 779.66M 708.24M
Capital Lease Obligations 13.29M 14.97M 18.20M 28.38M 37.95M 47.70M 49.68M 53.36M 0.00M 0.00M 0.00M
Deferred Tax Liabilities 0.00M 0.00M 0.00M 0.00M 30.58M 28.42M 10.56M 24.87M 13.93M 0.00M 3.57M
Other Non-Current Liabilities 28.86M 31.02M 20.79M -259.51M -292.42M -335.04M -200.98M 2.02M -1,241.11M -781.15M 12.40M
Total Non-Current Liabilities 2,772.67M 2,794.52M 2,843.24M 2,679.04M 2,704.22M 1,900.77M 1,272.96M 1,629.47M -2.21M -1.49M 724.22M
Total Liabilities 2,794.79M 2,815.36M 2,863.99M 2,989.83M 3,045.82M 2,314.65M 1,530.54M 1,707.50M -38.28M -40.21M 724.22M
Preferred Stock 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 257.90M 267.99M 266.12M
Common Stock 0.01M 0.01M 0.01M 0.01M 0.01M 0.01M 0.01M 0.01M 0.00M 0.00M 0.00M
Retained Earnings -230.69M -235.89M -252.53M -173.85M 6.10M 83.85M 36.43M 76.68M 52.66M -70.73M -61.59M
Accumulated OCI 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M -0.26M -0.16M -0.13M -0.14M -0.02M
Minority Interest 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Total Shareholders’ Equity -230.68M -235.88M -252.52M -173.84M 6.11M 83.85M 36.18M 76.52M 310.44M 197.12M 204.51M
Total Equity -230.68M -235.88M -252.52M -173.84M 6.11M 83.85M 36.18M 76.52M 310.44M 197.12M 204.51M
Total Liabilities & Equity 2,564.11M 2,579.48M 2,611.47M 2,815.99M 3,051.92M 2,398.50M 1,566.72M 1,784.02M 272.16M 156.91M 928.73M
Tangible Assets 3,101.34M 3,112.87M 3,128.89M 3,281.40M 3,449.73M 2,686.08M 1,964.33M 2,171.32M 1,508.95M 1,075.51M 184.80M
Tangible Equity -305.51M -314.16M -339.11M -288.58M -133.69M -151.34M 8.69M 58.18M 304.94M 191.46M 204.51M
Tangible Book Value -305.51M -314.16M -339.11M -288.58M -133.69M -151.34M 8.69M 58.18M 304.94M 191.46M 204.51M
Total Investments 2,770.98M 2,769.69M 2,792.29M 2,971.66M 3,176.17M 2,387.30M 1,697.68M 1,926.41M 27.65M 2.40M 0.90M
Net Debt 2,625.91M 2,651.71M 2,744.28M 3,108.93M 3,146.87M 2,422.62M 1,523.89M 1,537.95M 1,154.50M 885.64M 672.66M

Capital Metrics

Metric MRQ MRQ-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31
Working Capital 93.4M 85.1M 49.9M -212.7M -227.8M -251.4M -93.2M 34.6M 18.1M -97.9M 64.6M
Total Capital 3,127.7M 3,139.5M 3,176.3M 3,632.9M 3,831.2M 3,205.2M 2,176.4M 2,152.3M 1,656.8M 1,150.7M 931.8M
Capital Employed 3,156.5M 3,170.5M 3,197.0M 3,083.4M 3,251.8M 2,504.7M 1,739.6M 2,118.2M 1,644.0M 1,052.5M 947.8M
Invested Capital 3,023.0M 3,042.7M 3,116.3M 3,541.7M 3,732.4M 3,074.2M 2,040.2M 2,080.1M 1,586.3M 1,102.4M 896.2M

Cash Flow Statement

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31
Net Income 30.58M -129.24M -78.68M -179.95M -77.74M 47.41M -45.08M 61.60M 123.39M -10.21M 50.86M 8.40M
Depreciation & Amortization 43.42M 53.46M 51.16M 54.89M 47.53M 27.11M 20.22M 14.10M 11.82M 10.59M 8.38M 5.20M
Deferred Income Tax 0.00M 0.00M 0.00M 0.00M 0.00M 16.45M -14.46M 10.42M 42.02M 8.29M -36.37M 0.00M
Stock-Based Compensation 10.88M 15.03M 12.99M 18.59M 27.62M 18.86M 19.49M 19.18M 6.77M 5.71M 4.50M 2.60M
Change in Working Capital -8.14M -6.10M -30.26M -21.05M -80.74M -10.42M -34.26M 15.08M -29.88M 18.37M 7.26M 2.91M
Accounts Receivable 0.00M 0.00M 0.00M 0.00M 0.00M -8.23M -4.01M -7.13M -6.89M -3.45M -2.38M -3.02M
Inventory 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Accounts Payable 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Working Capital -8.14M -6.10M -30.26M -21.05M -80.74M -2.19M -30.25M 22.21M -22.99M 21.82M 9.65M 6.06M
Other Non-Cash Items 319.25M 475.25M 438.32M 520.29M 331.20M 64.03M 206.96M 97.99M -15.76M 106.37M 79.27M 69.96M
Net Cash from Operating Activities 395.99M 408.39M 393.52M 392.77M 247.88M 163.45M 152.87M 218.37M 138.37M 139.12M 113.90M 67.66M
Capital Expenditures (PPE) -12.18M -19.21M -19.19M -31.26M -48.89M -26.48M -4.83M -8.88M -17.94M -8.55M -10.66M -11.37M
Acquisitions (Net) 0.00M 0.00M 0.00M 0.00M 0.00M -111.65M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Purchases of Investments -772.91M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Sales / Maturities of Investments 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Investing Activities 548.17M -214.87M -174.50M -254.92M -1,122.66M -746.66M 21.20M -488.81M -453.48M -334.84M -299.10M -250.91M
Net Cash from Investing Activities -236.92M -234.08M -193.69M -286.18M -1,171.55M -884.79M 16.38M -497.68M -471.43M -343.39M -309.76M -251.26M
Net Debt Issuance -156.44M -136.45M -178.18M -98.97M 951.38M 751.12M -134.76M 224.95M 369.29M 239.84M 228.55M 121.62M
Long-Term Debt Issuance -156.44M -136.45M -178.18M -98.97M 951.38M 751.12M -134.76M 224.95M 369.29M 239.84M 228.55M 121.62M
Short-Term Debt Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 184.99M -25.00M 0.00M 117.78M -94.00M 0.00M
Net Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 60.48M 0.00M 0.00M 0.00M 92.82M
Common Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 60.48M 0.00M 0.00M 0.00M 92.82M
Common Stock Repurchased 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Preferred Stock Issuance 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Common Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Preferred Dividends Paid 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Other Financing Activities -7.21M -8.97M -13.04M -5.42M -16.85M -5.42M -2.04M 0.84M -1.22M -9.15M -6.64M -4.69M
Net Cash from Financing Activities -163.65M -145.42M -191.22M -104.39M 934.53M 745.71M -136.80M 286.27M 368.07M 230.69M 221.91M 209.75M
Effect of FX on Cash 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M 0.00M
Net Change in Cash -4.58M 28.89M 8.61M 2.20M 10.86M 24.37M 32.45M 6.97M 35.02M 26.42M 26.06M 26.15M
Cash at Beginning of Period 902.36M 838.85M 206.02M 203.82M 192.96M 168.59M 136.14M 129.18M 94.16M 67.74M 41.68M 15.54M
Cash at End of Period 897.78M 867.74M 214.63M 206.02M 203.82M 192.96M 168.59M 136.14M 129.18M 94.16M 67.74M 41.68M
Operating Cash Flow 395.99M 408.39M 393.52M 392.77M 247.88M 163.45M 152.87M 218.37M 138.37M 139.12M 113.90M 67.66M
Capital Expenditure -12.18M -19.21M -19.19M -31.26M -48.89M -26.48M -21.77M -26.22M -17.94M -12.02M -14.20M -11.37M
Free Cash Flow 383.82M 389.18M 374.34M 361.50M 198.98M 136.97M 131.10M 192.15M 120.43M 127.10M 99.70M 56.29M

Free Cash Flow

Metric TTM TTM-1 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31
EBITDA 266.46M 100.06M 139.00M 66.04M 364.47M 287.40M 138.99M 257.76M 317.50M 114.73M 98.29M 102.45M
(-) Tax Adjustment 69.74M 26.73M 44.04M 19.19M 0.00M 70.38M 31.13M 69.71M 87.17M 40.15M 0.00M 12.10M
(-) Change In Working Capital -8.14M -6.10M -30.26M -21.05M -80.74M -10.42M -34.26M 15.08M -29.88M 18.37M 7.26M 2.91M
(-) Capital Expenditure -12.18M -19.21M -19.19M -31.26M -48.89M -26.48M -21.77M -26.22M -17.94M -12.02M -14.20M -11.37M
Unlevered Free Cash Flow 181.52M 60.21M 106.04M 36.64M 396.32M 200.96M 120.34M 146.74M 242.26M 44.18M 76.83M 76.07M
(-) Net Interest Income After Taxes 489.30M 553.31M 486.08M 571.21M 783.10M 398.77M 378.00M 352.81M 291.52M 189.50M 225.38M 0.00M
Net Debt Issuance -156.44M -136.45M -178.18M -98.97M 951.38M 751.12M -134.76M 224.95M 369.29M 239.84M 228.55M 121.62M
Levered Free Cash Flow -464.22M -629.55M -558.22M -633.54M 564.60M 553.31M -392.42M 18.88M 320.03M 94.52M 80.01M 197.69M