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OOportun Financial Corp

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Oportun Financial Corp

  • Overview
  • Financial statements
  • Metrics
    • Revenue & profit
    • Revenue by segment
    • Launches
    • Revenue concentration
    • Margins
    • Contracted revenue
    • Off-balance-sheet commitments
    • Cash flow
    • Cash & debt
    • Earnings per share
    • P/E ratio
    • Share count & dilution
  • Quarterly earnings
  • Similar companies
  • News
  • Insider Transactions
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Metrics

Revenue & profit
Revenue by segment
Margins
Contracted revenue
Cash flow
Cash & debt
Earnings per share
Share count & dilution

Metrics

Compare sales with the profit left after direct costs and the profit left after all expenses and taxes.Formula: Gross profit = revenue − cost of revenue Net income = total income − total expenses
Q2 ’26201720182019202020212022202320242025-100M0100M200MLatest period Q2 '26. Revenue 233.23M. Gross profit Unavailable. Net profit 8.54M.
RevenueGross profitNet profit
See how much of each dollar of sales remains after direct costs, after running the business, and after all expenses and taxes.Formula: Gross margin = gross profit ÷ revenue × 100% Operating margin = operating income ÷ revenue × 100% Net margin = net income ÷ revenue × 100%
Q2 ’26201720182019202020212022202320242025-40%-20%0%20%Latest period Q2 '26. Net profit margin 3.7%.
Gross marginOperating marginNet profit margin
See the amounts the company has committed to pay that its balance sheet does not record yet: leases it has signed that have not started, unconditional purchase and other contractual commitments, and the most it could have to pay under guarantees and credit backstops. Amounts are as the filing reports them at each balance-sheet date.Formula: Commitments = leases not yet commenced + purchase & other commitments + maximum guarantee exposure
Q2 ’26201720182019202020212022202320242025010M20M30M40M50M
      Latest period Q2 '26. Purchase & other commitments 45.8M.
      Leases not yet commencedPurchase & other commitmentsGuarantees & contingent commitments
      Compare cash generated by the business, spending on long-lived assets, and what remains afterward.Formula: Free cash flow = operating cash flow − capital expenditures
      $
      Q2 ’26201720182019202020212022202320242025020M40M60M80M100M
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        • Capex: purchases of property, plant and equipment
        Latest period Q2 '26. Operating cash flow 109.3M.
        Operating cash flowCapexFree cash flow
        Compare the company’s cash cushion with its borrowings. Negative net cash means debt is greater than cash.Formula: Net cash = cash − debt
        20262017201820192020202120222023202420250500M1B1.5B2B2.5B
            Latest period 2026. Cash 139.6M. Debt 2.7B.
            CashDebtNet cash
            Profit for each share over the trailing 12 months, adjusted for stock splits.Formula: Earnings available to common shareholders ÷ weighted-average shares
            $/shareUsing split history cached 2026-09-23; assuming no new splits
            four_consecutive_quarters_unavailableMissingfour_consecutive_quarters_unavailableMissingQ2 ’26201720182019202020212022202320242025-5.000.005.00
            • Q3 2018: four consecutive quarters unavailable
            • Q1 2019: four consecutive quarters unavailable
            • Earnings period 2017-01-01 to 2017-12-31. Shares as of 2020-02-21: 27,003,293 source shares. Uses later-dated shares from the same quarterly filing.
            • Earnings period 2018-07-01 to 2018-09-30. Shares as of 2018-09-30: unavailable source shares.
            • Earnings period 2018-01-01 to 2018-12-31. Shares as of 2018-12-31: 2,935,249 source shares.
            • Earnings period 2019-01-01 to 2019-03-31. Shares as of 2019-03-31: unavailable source shares.
            • Earnings period 2019-04-01 to 2019-06-30. Shares as of 2020-07-31: 27,331,162 source shares. Uses later-dated shares from the same quarterly filing.
            • Earnings period 2019-07-01 to 2019-09-30. Shares as of 2019-09-30: 27,001,251 source shares.
            • Earnings period 2019-01-01 to 2019-12-31. Shares as of 2019-12-31: 27,003,157 source shares.
            • Earnings period 2020-01-01 to 2020-03-31. Shares as of 2020-03-31: 27,143,797 source shares.
            • Earnings period 2020-04-01 to 2020-06-30. Shares as of 2020-06-30: 27,330,800 source shares.
            • Earnings period 2020-07-01 to 2020-09-30. Shares as of 2020-09-30: 27,583,028 source shares.
            • Earnings period 2020-01-01 to 2020-12-31. Shares as of 2020-12-31: 27,679,263 source shares.
            • Earnings period 2021-01-01 to 2021-03-31. Shares as of 2021-03-31: 27,974,583 source shares.
            • Earnings period 2021-04-01 to 2021-06-30. Shares as of 2021-06-30: 28,033,924 source shares.
            • Earnings period 2021-07-01 to 2021-09-30. Shares as of 2021-09-30: 28,384,922 source shares.
            • Earnings period 2021-01-01 to 2021-12-31. Shares as of 2021-12-31: 32,004,396 source shares.
            • Earnings period 2022-01-01 to 2022-03-31. Shares as of 2022-03-31: 32,806,893 source shares.
            • Earnings period 2022-04-01 to 2022-06-30. Shares as of 2022-06-30: 32,899,596 source shares.
            • Earnings period 2022-07-01 to 2022-09-30. Shares as of 2022-09-30: 33,188,138 source shares.
            • Earnings period 2022-01-01 to 2022-12-31. Shares as of 2022-12-31: 33,354,607 source shares.
            • Earnings period 2023-01-01 to 2023-03-31. Shares as of 2023-03-31: 33,884,346 source shares.
            • Earnings period 2023-04-01 to 2023-06-30. Shares as of 2023-06-30: 34,027,343 source shares.
            • Earnings period 2023-07-01 to 2023-09-30. Shares as of 2023-09-30: 34,230,172 source shares.
            • Earnings period 2023-01-01 to 2023-12-31. Shares as of 2023-12-31: 34,469,053 source shares.
            • Earnings period 2024-01-01 to 2024-03-31. Shares as of 2024-03-31: 35,589,254 source shares.
            • Earnings period 2024-04-01 to 2024-06-30. Shares as of 2024-06-30: 35,722,721 source shares.
            • Earnings period 2024-07-01 to 2024-09-30. Shares as of 2024-09-30: 35,971,037 source shares.
            • Earnings period 2024-01-01 to 2024-12-31. Shares as of 2024-12-31: 36,111,856 source shares.
            • Earnings period 2025-01-01 to 2025-03-31. Shares as of 2025-03-31: 37,501,165 source shares.
            • Earnings period 2025-04-01 to 2025-06-30. Shares as of 2025-06-30: 44,009,399 source shares.
            • Earnings period 2025-07-01 to 2025-09-30. Shares as of 2025-09-30: 44,091,945 source shares.
            • Earnings period 2025-01-01 to 2025-12-31. Shares as of 2025-12-31: 44,437,042 source shares.
            • Earnings period 2026-01-01 to 2026-03-31. Shares as of 2026-03-31: 45,602,791 source shares.
            • Earnings period 2026-04-01 to 2026-06-30. Shares as of 2026-06-30: 45,950,033 source shares.
            Latest period Q2 2026. EPS (TTM) 0.42.
            EPS (TTM)
            How much investors pay for each dollar of the company’s yearly earnings. It is not useful when the company has no profit.Formula: Share price ÷ trailing 12-month EPS
            Using split history cached 2026-09-23; assuming no new splits
            Security type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingSecurity type not verifiedMissingQ2 ’262017201820192020202120222023202420250x0.2x0.4x0.6x0.8x1x
            • FY 2017: Security type not verified
            • Q3 2018: Security type not verified
            • FY 2018: Security type not verified
            • Q1 2019: Security type not verified
            • Q2 2019: Security type not verified
            • Q3 2019: Security type not verified
            • FY 2019: Security type not verified
            • Q1 2020: Security type not verified
            • Q2 2020: Security type not verified
            • Q3 2020: Security type not verified
            • FY 2020: Security type not verified
            • Q1 2021: Security type not verified
            • Q2 2021: Security type not verified
            • Q3 2021: Security type not verified
            • FY 2021: Security type not verified
            • Q1 2022: Security type not verified
            • Q2 2022: Security type not verified
            • Q3 2022: Security type not verified
            • FY 2022: Security type not verified
            • Q1 2023: Security type not verified
            • Q2 2023: Security type not verified
            • Q3 2023: Security type not verified
            • FY 2023: Security type not verified
            • Q1 2024: Security type not verified
            • Q2 2024: Security type not verified
            • Q3 2024: Security type not verified
            • FY 2024: Security type not verified
            • Q1 2025: Security type not verified
            • Q2 2025: Security type not verified
            • Q3 2025: Security type not verified
            • FY 2025: Security type not verified
            • Q1 2026: Security type not verified
            • Q2 2026: Security type not verified
            • Earnings period 2017-01-01 to 2017-12-31. Shares as of 2020-02-21: 27,003,293 source shares. Uses later-dated shares from the same quarterly filing.
            • Earnings period 2018-07-01 to 2018-09-30. Shares as of 2018-09-30: unavailable source shares.
            • Earnings period 2018-01-01 to 2018-12-31. Shares as of 2018-12-31: 2,935,249 source shares.
            • Earnings period 2019-01-01 to 2019-03-31. Shares as of 2019-03-31: unavailable source shares.
            • Earnings period 2019-04-01 to 2019-06-30. Shares as of 2020-07-31: 27,331,162 source shares. Uses later-dated shares from the same quarterly filing.
            • Earnings period 2019-07-01 to 2019-09-30. Shares as of 2019-09-30: 27,001,251 source shares.
            • Earnings period 2019-01-01 to 2019-12-31. Shares as of 2019-12-31: 27,003,157 source shares.
            • Earnings period 2020-01-01 to 2020-03-31. Shares as of 2020-03-31: 27,143,797 source shares.
            • Earnings period 2020-04-01 to 2020-06-30. Shares as of 2020-06-30: 27,330,800 source shares.
            • Earnings period 2020-07-01 to 2020-09-30. Shares as of 2020-09-30: 27,583,028 source shares.
            • Earnings period 2020-01-01 to 2020-12-31. Shares as of 2020-12-31: 27,679,263 source shares.
            • Earnings period 2021-01-01 to 2021-03-31. Shares as of 2021-03-31: 27,974,583 source shares.
            • Earnings period 2021-04-01 to 2021-06-30. Shares as of 2021-06-30: 28,033,924 source shares.
            • Earnings period 2021-07-01 to 2021-09-30. Shares as of 2021-09-30: 28,384,922 source shares.
            • Earnings period 2021-01-01 to 2021-12-31. Shares as of 2021-12-31: 32,004,396 source shares.
            • Earnings period 2022-01-01 to 2022-03-31. Shares as of 2022-03-31: 32,806,893 source shares.
            • Earnings period 2022-04-01 to 2022-06-30. Shares as of 2022-06-30: 32,899,596 source shares.
            • Earnings period 2022-07-01 to 2022-09-30. Shares as of 2022-09-30: 33,188,138 source shares.
            • Earnings period 2022-01-01 to 2022-12-31. Shares as of 2022-12-31: 33,354,607 source shares.
            • Earnings period 2023-01-01 to 2023-03-31. Shares as of 2023-03-31: 33,884,346 source shares.
            • Earnings period 2023-04-01 to 2023-06-30. Shares as of 2023-06-30: 34,027,343 source shares.
            • Earnings period 2023-07-01 to 2023-09-30. Shares as of 2023-09-30: 34,230,172 source shares.
            • Earnings period 2023-01-01 to 2023-12-31. Shares as of 2023-12-31: 34,469,053 source shares.
            • Earnings period 2024-01-01 to 2024-03-31. Shares as of 2024-03-31: 35,589,254 source shares.
            • Earnings period 2024-04-01 to 2024-06-30. Shares as of 2024-06-30: 35,722,721 source shares.
            • Earnings period 2024-07-01 to 2024-09-30. Shares as of 2024-09-30: 35,971,037 source shares.
            • Earnings period 2024-01-01 to 2024-12-31. Shares as of 2024-12-31: 36,111,856 source shares.
            • Earnings period 2025-01-01 to 2025-03-31. Shares as of 2025-03-31: 37,501,165 source shares.
            • Earnings period 2025-04-01 to 2025-06-30. Shares as of 2025-06-30: 44,009,399 source shares.
            • Earnings period 2025-07-01 to 2025-09-30. Shares as of 2025-09-30: 44,091,945 source shares.
            • Earnings period 2025-01-01 to 2025-12-31. Shares as of 2025-12-31: 44,437,042 source shares.
            • Earnings period 2026-01-01 to 2026-03-31. Shares as of 2026-03-31: 45,602,791 source shares.
            • Earnings period 2026-04-01 to 2026-06-30. Shares as of 2026-06-30: 45,950,033 source shares.
            Latest period Q2 2026. P/E ratio Missing.
            P/E ratio
            See how the number of shares changes over time. More shares can mean each existing share owns a smaller slice of the company.Formula: Outstanding shares = issued shares − treasury shares Share-count growth = (current shares ÷ previous shares − 1) × 100%
            Stock split history may be out of date.
            2026201720182019202020212022202320242025010M20M30M40M
                Latest period 2026. Shares outstanding 46M. Class detail unavailable 46M.
                Class detail unavailable