OPRT

MKT CAP:$257M

Oportun Financial Corporation

Market Cap

$257M

Financial Services·Financial - Credit Services·🇺🇸 United States·NASDAQ

Financials·Financial·🇺🇸·NASDAQ

Stock Price

$5.83+$0.77 (+15.22%)

Apr 22, 2026

Company Details

Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the ...

CEO

Raul Vazquez

IPO Date

Sep 26, 2019

Website

www.oportun.com

Key Metrics TTM

Revenue

$637M

+19.5% YoY

Net Income

$25M

EPS (Diluted)

$0.53

Free Cash Flow

$401M

Revenue / Share

$13.23

Gross Margin

63.7%

Operating Margin

6.9%

Net Margin

4.0%

FCF Margin

62.9%

P/S

0.4x

P/E

10.2x

Earnings Reports

Q1 2026

May 14, 2026

PENDING

FY 2025

Feb 27, 2026

$637M+19.5%EPS $0.53

Q4 2025

Feb 27, 2026

$148M-11.2%EPS $0.07

Q3 2025

Nov 4, 2025

$162M+36.6%EPS $0.11

Q2 2025

Aug 6, 2025

$164M+43.6%EPS $0.14

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$219M	$205M	$58M
Q2 22	$162M	$145M	-$13M
Q3 22	$174M	$147M	-$112M
Q4 22	$179M	$143M	-$8M
Q1 23	$44M	$5M	-$142M
Q2 23	$160M	$119M	-$17M
Q3 23	$132M	$85M	-$37M
Q4 23	$124M	$72M	-$57M
Q1 24	$134M	$79M	-$30M
Q2 24	$114M	$60M	-$49M
Q3 24	$118M	$63M	-$39M
Q4 24	$167M	$93M	$4M
Q1 25	$163M	$106M	$13M
Q2 25	$164M	$105M	$10M
Q3 25	$162M	$105M	$14M
Q4 25	$148M	$90M	$7M

Valuation

Quarter	P/S	P/E
Q1 22	0.6x	4.8x
Q2 22	0.4x	4.1x
Q3 22	0.2x	—
Q4 22	0.3x	—
Q1 23	0.3x	—
Q2 23	0.4x	—
Q3 23	0.5x	—
Q4 23	0.4x	—
Q1 24	0.2x	—
Q2 24	0.2x	—
Q3 24	0.2x	—
Q4 24	0.3x	—
Q1 25	0.4x	—
Q2 25	0.5x	—
Q3 25	0.4x	9.5x
Q4 25	0.4x	9.8x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$39M	$28M
Q2 22	$53M	$40M
Q3 22	$68M	$54M
Q4 22	$89M	$76M
Q1 23	$77M	$65M
Q2 23	$103M	$96M
Q3 23	$107M	$101M
Q4 23	$106M	$100M
Q1 24	$86M	$83M
Q2 24	$108M	$102M
Q3 24	$108M	$104M
Q4 24	$91M	$85M
Q1 25	$101M	$95M
Q2 25	$105M	$110M
Q3 25	$99M	$93M
Q4 25	$109M	$103M

Capital Expenditures

Quarter	CapEx
Q1 22	$11M
Q2 22	$13M
Q3 22	$13M
Q4 22	$12M
Q1 23	$12M
Q2 23	$7M
Q3 23	$6M
Q4 23	$6M
Q1 24	$3M
Q2 24	$5M
Q3 24	$5M
Q4 24	$6M
Q1 25	$6M
Q2 25	$6M
Q3 25	$6M
Q4 25	$6M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+76.7%	+34.4%
Q2 22	+22.6%	+42.8%
Q3 22	+15.7%	+134.5%
Q4 22	+4.1%	+23.8%
Q1 23	-80.0%	+15.1%
Q2 23	-1.4%	+1.5%
Q3 23	-23.9%	-40.7%
Q4 23	-30.7%	-3.0%
Q1 24	+205.1%	-11.5%
Q2 24	-28.6%	-8.0%
Q3 24	-10.4%	-6.9%
Q4 24	+34.6%	-10.0%
Q1 25	+22.2%	-8.6%
Q2 25	+43.6%	-5.8%
Q3 25	+36.6%	-6.6%
Q4 25	-11.2%	-13.1%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$7M	3.1%
Q2 22	$7M	4.3%
Q3 22	$7M	4.1%
Q4 22	$7M	3.8%
Q1 23	$5M	11.1%
Q2 23	$4M	2.8%
Q3 23	$4M	3.3%
Q4 23	$5M	3.9%
Q1 24	$4M	3.0%
Q2 24	$3M	2.6%
Q3 24	$3M	2.7%
Q4 24	$3M	1.7%
Q1 25	$3M	1.7%
Q2 25	$3M	1.7%
Q3 25	$2M	1.5%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$49M	$35M
Q2 22	$56M	$32M
Q3 22	$54M	$22M
Q4 22	$54M	$21M
Q1 23	$56M	$19M
Q2 23	$52M	$19M
Q3 23	$41M	$19M
Q4 23	$45M	$18M
Q1 24	$36M	$16M
Q2 24	$44M	$16M
Q3 24	$34M	$17M
Q4 24	$26M	$17M
Q1 25	$28M	$20M
Q2 25	$30M	$18M
Q3 25	$30M	$17M
Q4 25	—	$16M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$110M	$0	$110M
Q2 22	$67M	$0	$67M
Q3 22	$176M	$0	$176M
Q4 22	$99M	$0	$99M
Q1 23	$74M	$0	$74M
Q2 23	$73M	$0	$73M
Q3 23	$82M	$0	$82M
Q4 23	$91M	$0	$91M
Q1 24	$69M	$0	$69M
Q2 24	$73M	$0	$73M
Q3 24	$72M	$0	$72M
Q4 24	$60M	$0	$60M
Q1 25	$79M	$0	$79M
Q2 25	$97M	$0	$97M
Q3 25	$105M	$0	$105M
Q4 25	$106M	$0	$106M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	33M	+7.1%	+12.5%
Q2 22	33M	-1.5%	+9.3%
Q3 22	33M	+0.5%	+8.2%
Q4 22	33M	+0.7%	+6.8%
Q1 23	34M	+2.2%	+2.0%
Q2 23	37M	+8.0%	+11.8%
Q3 23	38M	+4.3%	+16.0%
Q4 23	38M	+0.5%	+15.8%
Q1 24	39M	+1.1%	+14.5%
Q2 24	40M	+2.4%	+8.5%
Q3 24	40M	+0.4%	+4.4%
Q4 24	44M	+9.0%	+13.2%
Q1 25	47M	+8.0%	+20.9%
Q2 25	48M	+1.8%	+20.3%
Q3 25	48M	+0.9%	+20.9%
Q4 25	48M	-0.3%	+10.6%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$138.2K	2K
Q2 22	$102.6K	2K
Q3 22	$109.8K	2K
Q4 22	$115.3K	2K
Q1 23	$28.2K	2K
Q2 23	$103.1K	2K
Q3 23	$85.1K	2K
Q4 23	$53.0K	2K
Q1 24	$57.1K	2K
Q2 24	$48.8K	2K
Q3 24	$50.6K	2K
Q4 24	$72.3K	2K
Q1 25	$70.6K	2K
Q2 25	$71.0K	2K
Q3 25	$69.9K	2K
Q4 25	$61.7K	2K

Revenue / Employee