For the twelve months ended Sep 30, 2026, Oportun Financial Corporation reported $956.02M of revenue and $37.22M of net income.
OPRT revenue was $246.28M in fiscal Q3 2026 (ended Sep 30, 2026), up 3.2% from a year earlier and up 5.6% from the prior quarter. For the full fiscal 2025 it was $956.68M, down 4.5% from fiscal 2024. Compound annual growth was +10.4% over 5 years. It rose in 5 of the last 8 fiscal years.
OPRT net income was $22.93M in fiscal Q3 2026 (ended Sep 30, 2026), up 341.2% from a year earlier and up 168.6% from the prior quarter. For the full fiscal 2025 it was $25.25M, compared with -$78.68M in fiscal 2024.
OPRT diluted EPS was $0.45 in fiscal Q3 2026 (ended Sep 30, 2026), up 309.1% from a year earlier and up 164.7% from the prior quarter. For the full fiscal 2025 it was $0.53, compared with -$1.95 in fiscal 2024.
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $956.68M | $1.00B | $1.06B | $952.54M | $626.78M | $583.73M | $600.15M | $497.58M | $360.95M |
| Selling, general and admin | $33.98M | $53.22M | $72.39M | $58.84M | $37.48M | $20.47M | $15.39M | $10.83M | $16.86M |
| Pre-tax income | $44.08M | -$115.18M | -$253.65M | -$75.29M | $62.79M | -$58.09M | $84.43M | $170.09M | $2.07M |
| Income tax | $18.83M | -$36.49M | -$73.70M | $2.46M | $15.38M | -$13.01M | $22.83M | $46.70M | $12.28M |
| Net income | $25.25M | -$78.68M | -$179.95M | -$77.74M | $47.41M | -$45.08M | $61.60M | $123.39M | -$10.21M |
| EPS, basic | $0.54 | -$1.95 | -$4.88 | -$2.37 | $1.68 | -$1.65 | $0.46 | $6.42 | -$4.22 |
| EPS, diluted | $0.53 | -$1.95 | -$4.88 | -$2.37 | $1.56 | -$1.65 | $0.40 | $4.47 | -$4.22 |
| Diluted shares | 47.9M | 40.4M | 36.9M | 32.8M | 30.3M | 27.3M | 10.8M | 3.7M | 2.4M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $105.53M | $214.63M | $206.02M | $203.82M | $192.96M | $168.59M | $136.14M | $129.18M | $48.35M |
| Goodwill | - | - | - | $0 | $104.01M | $0 | - | - | - |
| Total assets | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B | $2.01B | $2.20B | $1.74B | - |
| Total debt | - | - | - | - | $114.09M | - | - | - | - |
| Total liabilities | $2.87B | $2.87B | $3.01B | $3.07B | $2.34B | $1.54B | $1.71B | $1.39B | - |
| Shareholders' equity | $390.08M | $353.81M | $404.40M | $547.60M | $603.88M | $466.63M | $488.93M | $346.55M | $216.73M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $413.41M | $393.52M | $392.76M | $247.88M | $163.45M | $152.87M | $218.37M | $138.37M | $139.12M |
| Capital expenditures | - | - | - | $6.00M | $12.30M | $4.83M | $8.88M | $14.56M | $8.55M |
| Free cash flow | - | - | - | $241.88M | $151.15M | $148.04M | $209.50M | $123.81M | $130.57M |
| Investing cash flow | -$369.73M | -$193.69M | -$286.18M | -$1.17B | -$884.79M | $16.38M | -$497.68M | -$471.43M | -$343.39M |
| Financing cash flow | -$59.38M | -$191.22M | -$104.39M | $934.53M | $745.71M | -$136.80M | $286.27M | $368.07M | $230.69M |
| Stock-based compensation | $10.69M | $12.99M | $18.59M | $27.62M | $18.86M | $19.49M | $19.18M | $6.77M | $5.71M |
| Depreciation and amortization | $41.41M | $51.16M | $54.88M | $47.53M | $27.11M | $20.22M | $14.10M | $11.82M | $10.59M |
| Line item | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 | Dec 31, 2020 | Dec 31, 2019 | Dec 31, 2018 | Dec 31, 2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | -4.5% | -5.2% | 11.0% | 52.0% | 7.4% | -2.7% | 20.6% | 37.9% | - |
| Net income growth, YoY | - | - | - | - | - | - | -50.1% | - | - |
| Net margin | 2.6% | -7.9% | -17.0% | -8.2% | 7.6% | -7.7% | 10.3% | 24.8% | -2.8% |
| Free cash flow margin | - | - | - | 25.4% | 24.1% | 25.4% | 34.9% | 24.9% | 36.2% |
| Return on equity | 6.5% | -22.2% | -44.5% | -14.2% | 7.9% | -9.7% | 12.6% | 35.6% | -4.7% |
| Return on assets | 0.8% | -2.4% | -5.3% | -2.2% | 1.6% | -2.2% | 2.8% | 7.1% | - |
| Debt to equity | - | - | - | - | 0.19 | - | - | - | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $246.28M | $233.23M | $228.76M | $247.75M | $238.69M | $234.35M | $235.90M | $250.95M | $249.95M | $250.40M | $250.48M | $262.62M |
| Selling, general and admin | $2.18M | $5.97M | $7.01M | $6.33M | $10.50M | $9.77M | $7.37M | $6.43M | $12.99M | $22.02M | $11.78M | $20.24M |
| Pre-tax income | $34.58M | $15.62M | $3.56M | $6.57M | $14.24M | $10.11M | $13.16M | $3.91M | -$39.46M | -$49.15M | -$30.48M | -$57.28M |
| Income tax | $11.65M | $7.08M | $1.22M | $3.16M | $9.05M | $3.23M | $3.39M | -$4.83M | -$9.51M | -$18.12M | -$4.04M | -$15.46M |
| Net income | $22.93M | $8.54M | $2.35M | $3.40M | $5.20M | $6.88M | $9.77M | $8.74M | -$29.96M | -$31.02M | -$26.44M | -$41.82M |
| EPS, basic | $0.47 | $0.18 | $0.05 | $0.07 | $0.11 | $0.15 | $0.21 | $0.26 | -$0.75 | -$0.78 | -$0.68 | -$0.92 |
| EPS, diluted | $0.45 | $0.17 | $0.05 | $0.07 | $0.11 | $0.14 | $0.21 | $0.26 | -$0.75 | -$0.78 | -$0.68 | -$0.92 |
| Diluted shares | 51.0M | 49.4M | 48.5M | - | 48.3M | 47.9M | 47.0M | - | 40.0M | 39.8M | 38.9M | - |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $181.17M | $139.59M | $130.38M | $105.53M | $104.61M | $96.82M | $78.54M | $214.63M | $71.84M | $72.87M | $69.20M | $206.02M |
| Total assets | $3.21B | $3.13B | $3.17B | $3.26B | $3.19B | $3.20B | $3.23B | $3.23B | $3.25B | $3.25B | $3.28B | $3.41B |
| Total liabilities | $2.78B | $2.72B | $2.77B | $2.87B | $2.80B | $2.83B | $2.86B | $2.87B | $2.92B | $2.90B | $2.90B | $3.01B |
| Shareholders' equity | $433.44M | $407.13M | $396.28M | $390.08M | $383.85M | $375.99M | $366.10M | $353.81M | $327.56M | $354.12M | $381.97M | $404.40M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $118.91M | $109.31M | $103.73M | $108.86M | $99.04M | $104.53M | $100.98M | $91.44M | $108.47M | $107.73M | $85.88M | $106.31M |
| Investing cash flow | -$125.91M | -$50.12M | $7.98M | -$189.23M | -$72.63M | -$52.34M | -$55.52M | -$56.43M | -$110.28M | -$63.44M | $36.46M | -$96.81M |
| Financing cash flow | $52.93M | -$56.62M | -$100.79M | $55.35M | -$30.68M | -$54.94M | -$29.11M | -$48.93M | -$6.28M | -$4.21M | -$131.81M | -$3.13M |
| Stock-based compensation | $3.27M | $2.94M | $4.14M | $2.66M | $2.49M | $2.71M | $2.83M | $2.85M | $3.22M | $2.94M | $3.98M | $4.88M |
| Depreciation and amortization | $8.83M | $8.82M | $9.00M | $9.47M | $10.16M | $10.71M | $11.07M | $11.48M | $13.47M | $13.01M | $13.20M | $13.78M |
| Line item | Sep 30, 2026 | Jun 30, 2026 | Mar 31, 2026 | Dec 31, 2025 | Sep 30, 2025 | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue growth, YoY | 3.2% | -0.5% | -3.0% | -1.3% | -4.5% | -6.4% | -5.8% | -4.4% | -6.8% | -6.1% | -3.5% | 0.3% |
| Net income growth, YoY | 341.2% | 24.1% | -76.0% | -61.0% | - | - | - | - | - | - | - | - |
| EPS growth, YoY | 309.1% | 21.4% | -76.2% | - | - | - | - | - | - | - | - | - |
| Net margin | 9.3% | 3.7% | 1.0% | 1.4% | 2.2% | 2.9% | 4.1% | 3.5% | -12.0% | -12.4% | -10.6% | -15.9% |
Source: XBRL data Oportun Financial Corporation files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.
* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.
Per-share figures are as filed. The filings show no stock split in these periods.
EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.
| Company | Revenue | Growth | Net income | Net margin | Market cap |
|---|---|---|---|---|---|
| OPRT | $956.02M | -0.4% | $37.22M | 3.9% | $535.4M |
| AXP | $77.59B | +10.2% | $12.26B | 15.8% | $217.47B |
| SPGI | $17.21B | +18.2% | $4.99B | 29.0% | $136.57B |
| MCO | $8.18B | +9.0% | $2.88B | 35.3% | $88.11B |
| NU | $15.77B | +37.0% | $2.87B | 18.2% | $60.02B |
| RKT | $11.46B | +90.4% | $1.30B | 11.4% | $43.11B |
| COIN | $5.63B | -26.6% | -$701.62M | -12.5% | $36.03B |
| AFRM | $4.59B | +32.7% | $2.01B | 43.9% | $23.06B |
| SYF | $19.31B | +2.6% | $3.33B | 17.3% | $22.80B |