Oportun Financial Corp

Listed Company

OPRTCIK 0001538716NasdaqAcceleratedSmaller ReportingFinance ServicesDelawareFY ends Dec 31

Period

FY 2025

Revenue

$956.68M

Net Income

—

Total Assets

—

Equity

—

Shares Out

45.74M

Op. Cash Flow

$413.41M

OPRT$5.99−5.30% · past yearDBEQ Basic

Daily closing prices

Business

Oportun Financial Corp provides intelligent lending and savings products to underserved consumers, including unsecured and secured personal installment loans and an automated savings application called Set & Save. The company serves its target market through a mobile app, website, telesales, and retail locations, offering credit products with capped rates and algorithmic savings tools. Operating nationwide through partnerships and state licenses, Oportun combines proprietary underwriting models with machine learning to serve borrowers with limited credit histories who lack access to mainstream financial services.

Summary from 10-K filed 2026-02-27

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest income	893	925	963	876	576
Non-interest income	63	76	93	76	51
Total revenue	957	1,002	1,057	953	627
Interest expense	232	238	179	93	48
Net decrease in fair value	−319	−468	−597	−219	−49
Net revenue	406	295	281	641	530
Technology and facilities	142	166	219	216	140
Sales and marketing	71	67	75	110	117
Personnel	80	87	122	155	116
Outsourcing and professional fees	35	37	45	68	58
General, administrative and other	34	53	72	59	37
Total operating expenses	362	410	534	716	—
Income (loss) before taxes	44	−115	−254	−75	63
Income tax expense (benefit)	19	−37	−74	3	15
Net income (loss)	25	−79	−180	−78	47
Net income (loss) attributable to common stockholders	25	−79	−180	−78	47
Net income (loss) attributable to common stockholders	25	−79	−180	−78	47
Basic (in USD per share)	0.54	−1.95	−4.88	−2.37	1.68
Diluted (in USD per share)	0.53	−1.95	−4.88	−2.37	1.56
Basic (in shares)	46	40	37	33	28
Diluted (in shares)	48	40	37	33	30

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	106	60	91	99	131
Restricted cash	93	155	115	105	62
Loans receivable at fair value	2,874	2,779	2,962	3,175	2,387
Capitalized software and other intangibles, net	72	87	115	140	131
Right of use assets - operating	9	10	21	30	38
Other assets	104	138	108	64	72
Total assets	3,258	3,227	3,412	3,614	2,947
Secured financing	199	535	290	318	394
Asset-backed notes at fair value	264	1,081	1,780	2,388	1,652
Asset-backed borrowings at amortized cost	2,193	984	—	—	—
Acquisition and corporate financing	144	204	259	223	—
Lease liabilities	11	18	28	38	48
Other liabilities	57	51	69	100	135
Total liabilities	2,868	2,873	3,007	3,066	2,343
Note 15 Leases, Commitments and Contingencies	—	—	—	—	—
Common stock, $0.0001 par value - 1,000,000,000 shares authorized at December 31, 2025 and December 31, 2024; 44,709,065 shares issued and 44,437,042 shares outstanding at December 31, 2025; 36,383,879 shares issued and 36,111,856 shares outstanding at December 31, 2024	8,000	7,000	7,000	7,000	6,000
Common stock, additional paid-in capital	624	613	585	548	526
Accumulated deficit	−227	−253	−174	6	84
Treasury stock at cost, 272,023 and 272,023 shares at December 31, 2025 and December 31, 2024	−6	−6	−6	−6	−6
Total stockholders equity	390	354	404	548	604
Total liabilities and stockholders' equity	3,258	3,227	3,412	3,614	2,947

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Depreciation and amortization	41	51	55	48	27
Origination fees for loans receivable at fair value, net	−38	−33	−23	−27	−16
Gain on loan sales	−6	−6	−8	−6	−27
Stock-based compensation expense	11	13	19	28	19
Other, net	55	4	−53	30	31
Originations of loans sold and held for sale	−140	−120	−57	−53	−215
Proceeds from sale of loans	148	124	65	59	242
Changes in operating assets and liabilities	−2	−30	−21	−81	−10
Net cash provided by operating activities	413	394	393	248	163
Originations and purchases of loans held for investment	−1,763	−1,526	−1,580	−2,763	−1,842
Proceeds from loan sales originated as held for investment	0	54	4	249	0
Repayments of loan principal	1,418	1,298	1,323	1,397	1,108
Capitalization of system development costs	−24	−19	−31	−49	−26
Other, net	−971,000	−886,000	−1	−6	—
Net cash used in investing activities	−370	−194	−286	−1,172	−885
Borrowings under secured financing	1,038	742	246	1,972	1,292
Repayments of secured financing	−1,372	−494	−275	−2,050	−1,145
Repayments of asset-backed notes at fair value	−835	−771	−708	−233	−875
Borrowings under asset-backed borrowings at amortized cost	1,832	771	626	—	—
Repayments of asset-backed borrowings at amortized cost	−647	−364	−34	0	—
Borrowings under acquisition and corporate financing	0	223	73	0	—
Repayments of acquisition and corporate financing	−71	−286	−28	0	—
Payments of deferred financing costs	−3	−13	−3	−8	−2
Net payments related to stock-based activities	−400,000	−272,000	−3	−9	−3
Net cash used in financing activities	−59	−191	−104	935	746
Net increase (decrease) in cash and cash equivalents and restricted cash	−16	9	2	11	24
Cash paid for income taxes, net of refunds	3	1	−2	−3	4
Cash paid for interest	195	214	184	86	47
Cash paid for amounts included in the measurement of operating lease liabilities	11	13	14	16	18
Right of use assets obtained in exchange for operating lease obligations	4	−4	2	—	—
Non-cash investments in capitalized assets	664,000	1	−305,000	3	—
Non-cash financing activities	60	59	18	2	33,000

Filings

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Frequently asked questions

What is Oportun Financial Corp's CIK number?

Oportun Financial Corp's SEC CIK number is 0001538716 (1538716). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Oportun Financial Corp's SEC filings?

All of Oportun Financial Corp's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Oportun Financial Corp last report earnings?

Oportun Financial Corp (OPRT) most recently filed an earnings 8-K with the SEC on May 7, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001538716-26-000037). This is Oportun Financial Corp's most recent earnings filing of record — not a forecast of its next earnings date.

What is Oportun Financial Corp's most recent earnings 8-K?

Oportun Financial Corp's latest earnings 8-K (Item 2.02) was filed May 7, 2026 under accession 0001538716-26-000037. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Oportun Financial Corp's latest earnings 8-K →
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