Growth & profitability
- Revenue has grown 121.2% per year over the past 5 years.
- Free cash flow has grown 13.1% per year over the past 5 years.
OPRT Financials Oportun Financial Corp
9 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| 2025 | $19M | $25M | 0.0% | 0.0% | 6.5% | 0.8% | — | — | $106M |
| 2024 | $23M | -$79M | 0.0% | 0.0% | -22.2% | -2.4% | — | — | $60M |
| 2023 | $26M | -$180M | 0.0% | 0.0% | -44.5% | -5.3% | — | — | $91M |
| 2022 | $31M | -$78M | 0.0% | 0.0% | -14.2% | -2.2% | $242M | — | $99M |
| 2021 | $813000 | $47M | 0.0% | 0.0% | 7.9% | 1.6% | $151M | $114M | $131M |
| 2020 | — | -$45M | — | — | -9.7% | -2.2% | $148M | — | $136M |
| 2019 | — | $62M | — | — | 12.6% | 2.8% | $209M | — | $72M |
| 2018 | — | $123M | — | — | 35.6% | 7.1% | $124M | — | $70M |
| 2017 | — | -$10M | — | — | — | — | $131M | — | $48M |
RevenueNet income
GrossOperatingNet
ROEROA
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | ROE | ROA | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|---|---|
| Jun '26 | $5M | $9M | 0.0% | 0.0% | 2.1% | 0.3% | — | — | $140M |
| Mar '26 | $5M | $2M | 0.0% | 0.0% | 0.6% | 0.1% | — | — | $130M |
| Dec '25 | $5M | $3M | 0.0% | 0.0% | 0.9% | 0.1% | — | — | $106M |
| Sep '25 | $5M | $5M | 0.0% | 0.0% | 1.4% | 0.2% | — | — | $105M |
| Jun '25 | $5M | $7M | 0.0% | 0.0% | 1.8% | 0.2% | — | — | $97M |
| Mar '25 | $5M | $10M | 0.0% | 0.0% | 2.7% | 0.3% | — | — | $79M |
| Dec '24 | $4M | $9M | 0.0% | 0.0% | 2.5% | 0.3% | — | — | $60M |
| Sep '24 | $6M | -$30M | 0.0% | 0.0% | -9.1% | -0.9% | — | — | $72M |
| Jun '24 | $5M | -$31M | 0.0% | 0.0% | -8.8% | -1.0% | — | — | $73M |
| Mar '24 | $7M | -$26M | 0.0% | 0.0% | -6.9% | -0.8% | — | — | $69M |
| Dec '23 | $6M | -$42M | 0.0% | 0.0% | -10.3% | -1.2% | — | — | $91M |
| Sep '23 | $6M | -$21M | 0.0% | 0.0% | -4.8% | -0.6% | — | — | $82M |
| Jun '23 | $6M | -$15M | 0.0% | 0.0% | -3.3% | -0.4% | — | — | $73M |
| Mar '23 | $7M | -$102M | 0.0% | 0.0% | -22.4% | -2.9% | — | — | $74M |
| Dec '22 | $7M | -$8M | 0.0% | 0.0% | -1.5% | -0.2% | — | — | $99M |
| Sep '22 | $8M | -$106M | 0.0% | 0.0% | -19.3% | -3.0% | — | $242M | $176M |
| Jun '22 | $7M | -$9M | 0.0% | 0.0% | -1.4% | -0.3% | — | — | $67M |
| Mar '22 | $9M | $46M | 0.0% | 0.0% | 7.0% | 1.5% | — | — | $110M |
| Dec '21 | — | $14M | — | — | 2.3% | 0.5% | $50M | $114M | $131M |
| Sep '21 | — | $23M | — | — | 4.5% | 1.0% | $49M | — | $168M |
Valuation over time
How the market has priced OPRT against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 9.7× (Dec '25) to 13.5× (Sep '26).
- The price-to-sales ratio has risen from 5.7× (Mar '23) to 17.5× (Sep '26).
P/E
P/S
Frequently asked questions
Is OPRT growing its revenue and profit?
Over the past 5 years, Oportun Financial Corp's revenue has grown 121.2% per year. These are computed facts, not advice.
How much debt does OPRT have?
As of FY2025, Oportun Financial Corp reported — of total debt against $106M of cash.
What is OPRT's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 129.5%.
What is OPRT's P/E ratio?
As of Sep '26, Oportun Financial Corp traded at a price-to-earnings ratio of about 13.5× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.