OPRT (Oportun Financial Corporation) Stock Financials & Earnings | Market Cap Arena

OPRT (Oportun Financial Corporation) Stock Financials & Earnings | Market Cap Arena

OPRTOportun Financial Corporation

Mkt Cap$220M

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

Revenue (TTM)$637M

Net Income (TTM)$25M

EPS (TTM)$0.53

Free Cash Flow (TTM)$407M

Gross Margin63.7%

Op. Margin6.9%

Net Margin4.0%

FCF Margin63.9%

P/S Ratio (TTM)0.3x

P/E Ratio (TTM)8.7x

YoY Rev Growth+19.5%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
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

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	0.4x	—
Q2 23	0.4x	—
Q3 23	0.4x	—
Q4 23	0.5x	—
Q1 24	0.4x	—
Q2 24	0.4x	—
Q3 24	0.4x	—
Q4 24	0.4x	—
Q1 25	0.4x	—
Q2 25	0.4x	—
Q3 25	0.3x	7.2x
Q4 25	0.3x	8.7x

Operating Cash Flow

Quarter	Operating CF	Free CF
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	$109M

Capital Expenditures

CapEx

Quarter	CapEx
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	$0

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
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 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 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 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

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	34M	+2.2%
Q2 23	37M	+8.0%
Q3 23	38M	+4.3%
Q4 23	38M	+0.5%
Q1 24	39M	+1.1%
Q2 24	40M	+2.4%
Q3 24	40M	+0.4%
Q4 24	44M	+9.0%
Q1 25	47M	+8.0%
Q2 25	48M	+1.8%
Q3 25	48M	+0.9%
Q4 25	48M	-0.3%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 15	—	—
FY 16	—	—
FY 17	—	—
FY 18	—	—
FY 19	$331K	2K
FY 20	$247K	2K
FY 21	$365K	2K
FY 22	$472K	2K
FY 23	$197K	2K
FY 24	$231K	2K
FY 25	$265K	2K