Oportun Financial Corp
OPRTNasdaq
$6.00
↓ -7.0%Jul 17 close · end-of-day
Price
1Y↓ -3.5%
End-of-day closes; the latest point is the live 15-min-delayed price · split & dividend adjusted · chart by TradingView
Key statistics
Market Cap
$291.0M
Enterprise Value
$160.6M
P/E
16.2
P/S
0.3
P/B
0.7
EV/EBITDA
—
PEG
—
FCF Yield
—
Dividend Yield
—
Revenue (TTM)
$949.5M
Net Income (TTM)
$17.8M
Free Cash Flow (TTM)
—
Gross Margin
—
Operating Margin
—
Net Margin
1.9%
ROE
4.5%
ROIC
—
Debt / Equity
—
Net Cash
$130.4M
Return 1Y
-5.2%
Company profile
Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States.
- CEO
- Raul Vazquez
- Sector
- Finance, Insurance, And Real Estate
- Industry
- Banking
- Employees
- 2,730
- Headquarters
- California
- Website
- oportun.com
Management & directors
- Bland Douglas KChief Executive Officer
- Kirscht PatrickChief Credit Officer
- Layton Kathleen I.Chief Legal Officer
- Vazquez RaulChief Executive Officer
- Schueller Joseph AndrewSVP-Controller, PAO & PFO
Roles derived from SEC Form 4 filings.
Earnings
OPRT Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$228.8M↓ -3.0%
Diluted EPS$0.05↓ -76.2%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $583.7M | $626.8M | $952.5M | $1.1B | $1.0B | $956.7M |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | -$45.1M | $47.4M | -$77.7M | -$180.0M | -$78.7M | $25.2M |
| Diluted EPS | -$1.65 | $1.56 | -$2.37 | -$4.88 | -$1.95 | $0.53 |
| Operating cash flow | $152.9M | $163.4M | $247.9M | $392.8M | $393.5M | $413.4M |
| Free cash flow | $148.0M | $151.2M | $241.9M | — | — | — |
| Gross margin | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — |
| Net margin | -7.7% | 7.6% | -8.2% | -17.0% | -7.9% | 2.6% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $250.4M | $250.0M | $250.9M | $235.9M | $234.3M | $238.7M | $247.7M | $228.8M |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | -$31.0M | -$30.0M | $8.7M | $9.8M | $6.9M | $5.2M | $3.4M | $2.3M |
| Diluted EPS | -$0.78 | -$0.75 | $0.26 | $0.21 | $0.14 | $0.11 | $0.07 | $0.05 |
| Operating cash flow | $107.7M | $108.5M | $91.4M | $101.0M | $104.5M | $99.0M | $108.9M | $103.7M |
| Free cash flow | — | — | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | -12.4% | -12.0% | 3.5% | 4.1% | 2.9% | 2.2% | 1.4% | 1.0% |
Company news
Jul 15, 2026
Jul 14, 2026
Jul 13, 2026
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-06-15 | Tambor Richard N. | Gift | 36,127 | — | — | filing |
| 2026-06-15 | Tambor Richard N. | Gift | 36,127 | — | — | filing |
| 2026-06-15 | Tambor Richard N. | Gift | 36,127 | — | — | filing |
| 2026-06-15 | Tambor Richard N. | Gift | 36,127 | — | — | filing |
| 2026-06-10 | Bland Douglas K· Chief Executive Officer | Award | 463,822 | — | — | filing |
| 2026-03-10 | Kirscht Patrick· Chief Credit Officer | Sale | 19,362 | $4.90 | $94,873.80 | filing |
| 2026-03-10 | Kirscht Patrick· Chief Credit Officer | Sale | 14,172 | $4.90 | $69,442.80 | filing |
| 2026-03-10 | Layton Kathleen I.· Chief Legal Officer | Sale | 12,401 | $4.90 | $60,764.90 | filing |
| 2026-03-10 | Kirscht Patrick· Chief Credit Officer | Sale | 12,099 | $4.90 | $59,285.10 | filing |
| 2026-03-10 | Kirscht Patrick· Chief Credit Officer | Sale | 8,666 | $4.90 | $42,463.40 | filing |
| 2026-03-10 | Layton Kathleen I.· Chief Legal Officer | Sale | 5,556 | $4.90 | $27,224.40 | filing |
| 2026-03-10 | Layton Kathleen I.· Chief Legal Officer | Sale | 1,398 | $4.90 | $6,850.20 | filing |
| 2026-03-10 | Vazquez Raul· Chief Executive Officer | Tax withholding | 32,787 | — | — | filing |
| 2026-03-10 | Kirscht Patrick· Chief Credit Officer | Award | 75,047 | — | — | filing |
| 2026-03-10 | Layton Kathleen I.· Chief Legal Officer | Award | 70,357 | — | — | filing |
| 2026-03-10 | Vazquez Raul· Chief Executive Officer | Tax withholding | 18,190 | — | — | filing |
| 2026-03-10 | Vazquez Raul· Chief Executive Officer | Tax withholding | 21,094 | — | — | filing |
| 2026-03-10 | Vazquez Raul· Chief Executive Officer | Tax withholding | 18,260 | — | — | filing |
| 2025-12-31 | Layton Kathleen I.· Chief Legal Officer | Award | 86,043 | — | — | filing |
| 2025-12-31 | Schueller Joseph Andrew· SVP-Controller, PAO & PFO | Award | 45,890 | — | — | filing |
| 2025-12-31 | Kirscht Patrick· Chief Credit Officer | Award | 95,603 | — | — | filing |
| 2025-09-10 | Layton Kathleen I.· Chief Legal Officer | Sale | 4,214 | $6.64 | $27,980.96 | filing |
| 2025-09-10 | Schueller Joseph Andrew· SVP-Controller, PAO & PFO | Award | 28,090 | — | — | filing |
| 2025-08-21 | Miramontes Louis | Award | 3,644 | — | — | filing |
| 2025-08-19 | WILCOX WARREN | Award | 18,041 | — | — | filing |
Showing the latest 25 transactions — full history in the linked SEC filings.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.