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OPRT Oportun Financial

Watchlist

5.140
-0.180-3.38%

Close Apr 29 16:00 ET

185.73MMarket Cap-2.64P/E (TTM)

Oportun Financial Key Stats

Earnings

Revenue Breakdown

Financial Indicators

Income Statement

Balance Sheet

Cash Flow

Quarterly+Annual

YOY

Hide blank lines

(FY)Dec 31, 2024

(Q4)Dec 31, 2024

(Q3)Sep 30, 2024

(Q2)Jun 30, 2024

(Q1)Mar 31, 2024

(FY)Dec 31, 2023

(Q4)Dec 31, 2023

(Q3)Sep 30, 2023

(Q2)Jun 30, 2023

(Q1)Mar 31, 2023

Assets

Cash cash equivalents and federal funds sold

4.18%214.63M

14.47%228.54M

16.95%236.64M

-2.66%196.55M

1.08%206.02M

-26.66%199.65M

51.16%202.34M

18.39%201.92M

-Cash and cash equivalents

-34.24%59.97M

-12.27%71.84M

-0.68%72.87M

-6.58%69.2M

-7.72%91.19M

-53.44%81.89M

9.98%73.37M

-32.58%74.08M

-Restricted cash and investments

34.68%154.66M

33.07%156.7M

26.99%163.77M

-0.39%127.35M

9.36%114.83M

22.22%117.76M

92.07%128.96M

110.64%127.85M

Receivables

-4.43%8.39M

-82.28%8.54M

-84.27%8.15M

-77.30%9.05M

-21.06%8.78M

-0.81%48.19M

45.05%51.82M

-0.48%39.86M

-Accounts receivable

----

-5.18%29.02M

11.22%30.85M

39.12%31.75M

-Other receivables

-4.43%8.39M

-55.44%8.54M

-61.12%8.15M

11.54%9.05M

-21.06%8.78M

6.62%19.17M

162.57%20.97M

-52.93%8.11M

Prepaid assets

-26.24%11.62M

-27.17%11.97M

-29.06%13.72M

-22.42%15.6M

-34.80%15.76M

-34.42%16.43M

-5.04%19.33M

-23.38%20.11M

Net loan

-6.21%2.78B

-5.43%2.78B

-7.20%2.77B

-5.69%2.84B

-6.71%2.96B

-1.69%2.94B

4.57%2.99B

22.93%3.01B

-Gross loan

-6.21%2.78B

-5.43%2.78B

-7.20%2.77B

-5.69%2.84B

-6.71%2.96B

-1.69%2.94B

4.57%2.99B

22.93%3.01B

Derivative assets

47.96%13.77M

-20.65%12.73M

31.74%11.43M

--10.48M

1,183.72%9.31M

--16.05M

--8.68M

----

Net PPE

-54.62%12.75M

-56.38%13.56M

-57.97%14.87M

-35.52%24.93M

-31.43%28.1M

-25.16%31.08M

-17.30%35.38M

-16.44%38.67M

-Gross PPE

-28.08%50.38M

-27.57%52.1M

-30.10%52.63M

-13.74%66.98M

-10.95%70.05M

-7.63%71.93M

-3.31%75.29M

-4.89%77.65M

-Accumulated depreciation

10.30%-37.63M

5.65%-38.55M

5.40%-37.76M

-7.86%-42.05M

-11.32%-41.95M

-12.39%-40.86M

-13.74%-39.92M

-10.22%-38.98M

Goodwill and other intangible assets

-24.53%86.59M

-27.69%92.05M

-25.05%99.69M

-22.84%106.37M

-17.93%114.74M

-8.47%127.29M

-44.82%133.01M

-41.90%137.86M

-Other intangible assets

-24.53%86.59M

-27.69%92.05M

-25.05%99.69M

-22.84%106.37M

-17.93%114.74M

-8.47%127.29M

-2.84%133.01M

3.58%137.86M

Other assets

-1.73%18.4M

14.05%21M

45.34%24.13M

-40.32%20.09M

18.12%18.72M

-9.37%18.41M

-5.34%16.6M

91.17%33.67M

Total assets

-5.42%3.23B

-5.21%3.25B

-6.38%3.25B

-6.41%3.28B

-5.58%3.41B

-3.11%3.43B

3.64%3.47B

17.03%3.5B

Liabilities

Payables

-10.00%22.51M

15.11%31.77M

14.65%33.26M

-5.35%25.54M

-7.71%25.01M

13.96%27.6M

17.56%29.01M

-24.75%26.98M

-Accounts payable

28.56%17.62M

2.41%15.14M

-1.16%19.99M

-8.81%14.37M

-24.36%13.7M

30.72%14.79M

70.28%20.22M

126.24%15.76M

-Total tax payable

-56.07%3.14M

12.20%7.87M

9.85%7.47M

-24.76%7.13M

20.75%7.14M

-32.01%7.02M

-34.94%6.8M

-18.26%9.48M

-Other payable

-57.81%1.76M

51.04%8.75M

192.68%5.8M

131.93%4.03M

35.67%4.17M

124.14%5.79M

-15.46%1.98M

-89.95%1.74M

Current accrued expenses

-49.82%12.44M

8.42%24.02M

-15.36%20.52M

-11.47%24.86M

-5.35%24.79M

-26.95%22.16M

-22.12%24.25M

-2.98%28.08M

Long term debt and capital lease obligation

-3.95%2.82B

-2.32%2.86B

-3.64%2.83B

-4.75%2.83B

-0.93%2.94B

1.37%2.92B

12.99%2.94B

34.11%2.97B

-Long term debt

-3.64%2.8B

-1.96%2.84B

-3.29%2.81B

-4.46%2.8B

-0.61%2.91B

1.71%2.89B

13.57%2.9B

35.25%2.94B

-Long term capital lease obligation

-35.86%18.2M

-36.15%19.73M

-34.39%21.73M

-28.59%25.47M

-25.22%28.38M

-23.05%30.9M

-21.81%33.12M

-20.66%35.67M

Non current deferred liabilities

----

-87.00%4.51M

-88.18%5.13M

Employee benefits

-20.52%12.21M

-24.66%8.15M

-37.46%10.67M

-17.14%11.85M

22.85%15.36M

-4.23%10.82M

27.28%17.06M

-24.02%14.3M

Other liabilities

-2.25%3.69M

-6.92%2.92M

-2.54%3.27M

--2.91M

3.25%3.78M

--3.14M

--3.35M

----

Total liabilities

-4.46%2.87B

-2.17%2.92B

-3.90%2.9B

-4.94%2.9B

-1.91%3.01B

-0.08%2.99B

11.54%3.01B

30.02%3.05B

Shareholders'equity

Share capital

0.00%7K

-common stock

0.00%7K

Paid-in capital

4.80%612.64M

2.66%595.13M

2.80%591.73M

5.39%588.56M

6.71%584.56M

7.17%579.69M

7.76%575.59M

6.02%558.44M

Retained earnings

-45.26%-252.53M

-97.89%-261.27M

-108.60%-231.31M

-108.66%-200.29M

-2,949.05%-173.85M

-1,008.95%-132.03M

-192.14%-110.89M

-174.12%-95.99M

Less: Treasury stock

0.00%6.31M

Total stockholders'equity

-12.51%353.81M

-25.79%327.56M

-22.75%354.12M

-16.26%381.97M

-26.15%404.4M

-19.62%441.36M

-29.28%458.4M

-29.82%456.15M

Total equity

-12.51%353.81M

-25.79%327.56M

-22.75%354.12M

-16.26%381.97M

-26.15%404.4M

-19.62%441.36M

-29.28%458.4M

-29.82%456.15M

Currency Unit

USD

Accounting Standards

US-GAAP

Audit Opinions

Unqualified Opinion

	(FY)Dec 31, 2024	(Q4)Dec 31, 2024	(Q3)Sep 30, 2024	(Q2)Jun 30, 2024	(Q1)Mar 31, 2024	(FY)Dec 31, 2023	(Q4)Dec 31, 2023	(Q3)Sep 30, 2023	(Q2)Jun 30, 2023	(Q1)Mar 31, 2023
Assets
Cash cash equivalents and federal funds sold	4.18%214.63M	4.18%214.63M	14.47%228.54M	16.95%236.64M	-2.66%196.55M	1.08%206.02M	1.08%206.02M	-26.66%199.65M	51.16%202.34M	18.39%201.92M
-Cash and cash equivalents	-34.24%59.97M	-34.24%59.97M	-12.27%71.84M	-0.68%72.87M	-6.58%69.2M	-7.72%91.19M	-7.72%91.19M	-53.44%81.89M	9.98%73.37M	-32.58%74.08M
-Restricted cash and investments	34.68%154.66M	34.68%154.66M	33.07%156.7M	26.99%163.77M	-0.39%127.35M	9.36%114.83M	9.36%114.83M	22.22%117.76M	92.07%128.96M	110.64%127.85M
Receivables	-4.43%8.39M	-4.43%8.39M	-82.28%8.54M	-84.27%8.15M	-77.30%9.05M	-21.06%8.78M	-21.06%8.78M	-0.81%48.19M	45.05%51.82M	-0.48%39.86M
-Accounts receivable	----	----	----	----	----	----	----	-5.18%29.02M	11.22%30.85M	39.12%31.75M
-Other receivables	-4.43%8.39M	-4.43%8.39M	-55.44%8.54M	-61.12%8.15M	11.54%9.05M	-21.06%8.78M	-21.06%8.78M	6.62%19.17M	162.57%20.97M	-52.93%8.11M
Prepaid assets	-26.24%11.62M	-26.24%11.62M	-27.17%11.97M	-29.06%13.72M	-22.42%15.6M	-34.80%15.76M	-34.80%15.76M	-34.42%16.43M	-5.04%19.33M	-23.38%20.11M
Net loan	-6.21%2.78B	-6.21%2.78B	-5.43%2.78B	-7.20%2.77B	-5.69%2.84B	-6.71%2.96B	-6.71%2.96B	-1.69%2.94B	4.57%2.99B	22.93%3.01B
-Gross loan	-6.21%2.78B	-6.21%2.78B	-5.43%2.78B	-7.20%2.77B	-5.69%2.84B	-6.71%2.96B	-6.71%2.96B	-1.69%2.94B	4.57%2.99B	22.93%3.01B
Derivative assets	47.96%13.77M	47.96%13.77M	-20.65%12.73M	31.74%11.43M	--10.48M	1,183.72%9.31M	1,183.72%9.31M	--16.05M	--8.68M	----
Net PPE	-54.62%12.75M	-54.62%12.75M	-56.38%13.56M	-57.97%14.87M	-35.52%24.93M	-31.43%28.1M	-31.43%28.1M	-25.16%31.08M	-17.30%35.38M	-16.44%38.67M
-Gross PPE	-28.08%50.38M	-28.08%50.38M	-27.57%52.1M	-30.10%52.63M	-13.74%66.98M	-10.95%70.05M	-10.95%70.05M	-7.63%71.93M	-3.31%75.29M	-4.89%77.65M
-Accumulated depreciation	10.30%-37.63M	10.30%-37.63M	5.65%-38.55M	5.40%-37.76M	-7.86%-42.05M	-11.32%-41.95M	-11.32%-41.95M	-12.39%-40.86M	-13.74%-39.92M	-10.22%-38.98M
Goodwill and other intangible assets	-24.53%86.59M	-24.53%86.59M	-27.69%92.05M	-25.05%99.69M	-22.84%106.37M	-17.93%114.74M	-17.93%114.74M	-8.47%127.29M	-44.82%133.01M	-41.90%137.86M
-Other intangible assets	-24.53%86.59M	-24.53%86.59M	-27.69%92.05M	-25.05%99.69M	-22.84%106.37M	-17.93%114.74M	-17.93%114.74M	-8.47%127.29M	-2.84%133.01M	3.58%137.86M
Other assets	-1.73%18.4M	-1.73%18.4M	14.05%21M	45.34%24.13M	-40.32%20.09M	18.12%18.72M	18.12%18.72M	-9.37%18.41M	-5.34%16.6M	91.17%33.67M
Total assets	-5.42%3.23B	-5.42%3.23B	-5.21%3.25B	-6.38%3.25B	-6.41%3.28B	-5.58%3.41B	-5.58%3.41B	-3.11%3.43B	3.64%3.47B	17.03%3.5B
Liabilities
Payables	-10.00%22.51M	-10.00%22.51M	15.11%31.77M	14.65%33.26M	-5.35%25.54M	-7.71%25.01M	-7.71%25.01M	13.96%27.6M	17.56%29.01M	-24.75%26.98M
-Accounts payable	28.56%17.62M	28.56%17.62M	2.41%15.14M	-1.16%19.99M	-8.81%14.37M	-24.36%13.7M	-24.36%13.7M	30.72%14.79M	70.28%20.22M	126.24%15.76M
-Total tax payable	-56.07%3.14M	-56.07%3.14M	12.20%7.87M	9.85%7.47M	-24.76%7.13M	20.75%7.14M	20.75%7.14M	-32.01%7.02M	-34.94%6.8M	-18.26%9.48M
-Other payable	-57.81%1.76M	-57.81%1.76M	51.04%8.75M	192.68%5.8M	131.93%4.03M	35.67%4.17M	35.67%4.17M	124.14%5.79M	-15.46%1.98M	-89.95%1.74M
Current accrued expenses	-49.82%12.44M	-49.82%12.44M	8.42%24.02M	-15.36%20.52M	-11.47%24.86M	-5.35%24.79M	-5.35%24.79M	-26.95%22.16M	-22.12%24.25M	-2.98%28.08M
Long term debt and capital lease obligation	-3.95%2.82B	-3.95%2.82B	-2.32%2.86B	-3.64%2.83B	-4.75%2.83B	-0.93%2.94B	-0.93%2.94B	1.37%2.92B	12.99%2.94B	34.11%2.97B
-Long term debt	-3.64%2.8B	-3.64%2.8B	-1.96%2.84B	-3.29%2.81B	-4.46%2.8B	-0.61%2.91B	-0.61%2.91B	1.71%2.89B	13.57%2.9B	35.25%2.94B
-Long term capital lease obligation	-35.86%18.2M	-35.86%18.2M	-36.15%19.73M	-34.39%21.73M	-28.59%25.47M	-25.22%28.38M	-25.22%28.38M	-23.05%30.9M	-21.81%33.12M	-20.66%35.67M
Non current deferred liabilities	----	----	----	----	----	----	----	----	-87.00%4.51M	-88.18%5.13M
Employee benefits	-20.52%12.21M	-20.52%12.21M	-24.66%8.15M	-37.46%10.67M	-17.14%11.85M	22.85%15.36M	22.85%15.36M	-4.23%10.82M	27.28%17.06M	-24.02%14.3M
Other liabilities	-2.25%3.69M	-2.25%3.69M	-6.92%2.92M	-2.54%3.27M	--2.91M	3.25%3.78M	3.25%3.78M	--3.14M	--3.35M	----
Total liabilities	-4.46%2.87B	-4.46%2.87B	-2.17%2.92B	-3.90%2.9B	-4.94%2.9B	-1.91%3.01B	-1.91%3.01B	-0.08%2.99B	11.54%3.01B	30.02%3.05B
Shareholders'equity
Share capital	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K
-common stock	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K	0.00%7K
Paid-in capital	4.80%612.64M	4.80%612.64M	2.66%595.13M	2.80%591.73M	5.39%588.56M	6.71%584.56M	6.71%584.56M	7.17%579.69M	7.76%575.59M	6.02%558.44M
Retained earnings	-45.26%-252.53M	-45.26%-252.53M	-97.89%-261.27M	-108.60%-231.31M	-108.66%-200.29M	-2,949.05%-173.85M	-2,949.05%-173.85M	-1,008.95%-132.03M	-192.14%-110.89M	-174.12%-95.99M
Less: Treasury stock	0.00%6.31M	0.00%6.31M	0.00%6.31M	0.00%6.31M	0.00%6.31M	0.00%6.31M	0.00%6.31M	0.00%6.31M	0.00%6.31M	0.00%6.31M
Total stockholders'equity	-12.51%353.81M	-12.51%353.81M	-25.79%327.56M	-22.75%354.12M	-16.26%381.97M	-26.15%404.4M	-26.15%404.4M	-19.62%441.36M	-29.28%458.4M	-29.82%456.15M
Total equity	-12.51%353.81M	-12.51%353.81M	-25.79%327.56M	-22.75%354.12M	-16.26%381.97M	-26.15%404.4M	-26.15%404.4M	-19.62%441.36M	-29.28%458.4M	-29.82%456.15M
Currency Unit	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD
Accounting Standards	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP	US-GAAP
Audit Opinions	Unqualified Opinion	--	--	--	--	Unqualified Opinion	--	--	--	--