OPRT - Oportun Financial Corp

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	-3.0% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-150%)	-1.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-121%)	-4.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	-6.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-207%)	-5.8% Weak → Weak Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-197%)	-4.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-174%)	-6.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-214%)	-6.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-201%)	-3.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-158%)	0.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-96%)	7.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+21%)	18.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+201%)	20.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+248%)	34.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+482%)	57.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+853%)	63.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+955%)	58.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+878%)	37.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+531%)	16.3% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+172%)	-3.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-152%)	-17.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-387%)	-14.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-347%)	-11.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-285%)	0.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-99%)	18.1% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+202%)	18.9% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+216%)	19.8% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+229%)	—	—	—	—	—
EPS Growth YoY (%)	-76.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-73.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	-36.4% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-90.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	77.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-332.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	82.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-46.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	N/M	1190.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	53.1% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	-30.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	96.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	-62.3% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	—	—	—
Net Income Growth YoY (%)	-76.0% Weak Weak Year-over-year change in net income	-61.0% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	N/M	74.1% Excellent ↑ Excellent Improving Year-over-year change in net income	74.1% Excellent ↑ Excellent Improving Year-over-year change in net income	74.1% Excellent Excellent Year-over-year change in net income	-396.5% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	N/M	1412.5% Excellent ↑ Excellent Improving Year-over-year change in net income	1412.5% Excellent ↑ Excellent Improving Year-over-year change in net income	1412.5% Excellent Excellent Year-over-year change in net income	66.4% Excellent Excellent Year-over-year change in net income	N/M	N/M	N/M	-63.2% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	-8.3% Weak Weak Year-over-year change in net income	-61.9% Weak Weak Year-over-year change in net income	—	—	—	—	—
FCF Growth YoY (%)	-1.5% Weak ↑ Weak Improving Year-over-year change in free cash flow	—	-21.9% Weak ↓ Weak Declining Year-over-year change in free cash flow	-17.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	0.5% Caution ↑ Caution Improving Year-over-year change in free cash flow	—	-3.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	-3.2% Weak Weak Year-over-year change in free cash flow	-2.3% Weak Weak Year-over-year change in free cash flow	—	—	—	88.8% Excellent Excellent Year-over-year change in free cash flow	—	—	—	92.3% Excellent Excellent Year-over-year change in free cash flow	—	—	-14.0% Weak Weak Year-over-year change in free cash flow	-66.7% Weak Weak Year-over-year change in free cash flow	—	—	-91.3% Weak Weak Year-over-year change in free cash flow	-87.8% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	-4.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.8% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	-1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.2% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	3.2% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	8.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	21.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	22.8% Excellent → Excellent Stable Compound annual revenue growth over 3 years	23.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	25.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	23.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.7% Excellent → Excellent Stable Compound annual revenue growth over 3 years	16.6% Excellent → Excellent Stable Compound annual revenue growth over 3 years	17.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	15.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.8% Good Good Compound annual revenue growth over 3 years	7.4% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	11.1% Good → Good Stable Compound annual revenue growth over 5 years	12.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	11.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.4% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.6% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	8.7% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.2% Good ↓ Good Declining Compound annual revenue growth over 5 years	11.9% Good ↓ Good Declining Compound annual revenue growth over 5 years	12.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	13.6% Excellent Excellent Compound annual revenue growth over 5 years	15.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	-47.1% Weak Weak Compound annual EPS growth over 3 years	-19.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	35.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-26.2% Weak Weak Compound annual EPS growth over 3 years	-5.4% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Effective Tax Rate (%) (%)	34.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	48.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	63.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-123.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	43.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-6.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	41.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	1.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	4.1% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	4.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	4.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	3.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	-10.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-148%)	-10.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-148%)	-10.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-148%)	-15.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-172%)	-38.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-273%)	-38.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-274%)	-39.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-279%)	-3.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	18.3% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	20.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	21.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	7.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-67%)	1.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	2.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	2.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	6.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	-9.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-144%)	-9.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-142%)	-8.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-137%)	14.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	9.5% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	10.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	10.6% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	18.2% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	29.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	—
FCF Margin (%) (%)	45.3% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	43.9% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	41.5% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	44.6% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	42.8% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	36.4% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	43.4% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	43.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	34.3% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	40.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	39.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	38.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	29.6% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	33.8% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	18.0% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	25.7% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	—	25.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	12.8% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	8.7% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	32.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	28.3% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	30.9% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	29.0% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	—	35.0% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	32.5% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	22.3% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	44.23x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	31.98x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	10.14x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	10.70x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	10.34x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	10.47x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-4.10x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-4.07x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-3.25x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-2.54x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.05x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.00x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.75x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-10.51x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	0.84x Caution ↓ Caution Declining Free cash flow relative to reported net income Optimal: > 1x	3.53x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	—	11.82x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	5.72x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.44x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	-3.38x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-3.03x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-3.80x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	2.07x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	—	3.42x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	3.08x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.23x Good Good Free cash flow relative to reported net income Optimal: > 1x	—	—

🎯 Is capital allocation efficient? 1 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Return on Common Equity (%) (%)	0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	2.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	2.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-79%)	-8.1% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-167%)	-7.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-162%)	-6.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-158%)	-10.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-186%)	-23.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-293%)	-22.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-286%)	-22.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-287%)	-1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-113%)	8.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	7.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	2.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	0.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-95%)	1.8% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	—	—	-2.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-123%)	4.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	3.2% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	—	—	7.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	—	—

⚖️ Is the balance sheet risky? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.44x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Net Debt (USD)	$-130.38M	$-105.53M	$-104.61M	$-96.82M	$-78.54M	$-59.97M	$-71.84M	$-72.87M	$-69.20M	$-91.19M	$-81.89M	$-73.37M	$-74.08M	$-98.82M	$65.98M	$-66.71M	$-109.86M	$-130.96M	$-168.41M	$-138.43M	$-140.42M	$-136.19M	$-109.66M	$-139.22M	$-144.84M	$-72.18M	$-154.51M	$-45.70M	$-58.11M	$-70.47M	$-42.16M	$-48.35M

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$4.82	—	$5.11	$5.03	$5.19	—	$6.25	$6.29	$6.44	—	$7.01	$7.27	$7.64	—	$7.58	$6.88	$6.66	—	$5.65	$4.94	$4.87	—	$4.98	$5.24	$6.05	—	$35.84	$48.46	$47.08	—	$48.83	—
Basic EPS, GAAP (USD)	$0.05	$0.07	$0.11	$0.15	$0.21	$0.26	$-0.75	$-0.78	$-0.68	$-1.08	$-0.55	$-0.41	$-3.00	$-0.25	$-3.21	$-0.28	$1.42	$0.49	$0.82	$0.26	$0.11	$0.32	$-0.22	$-1.26	$-0.49	$0.46	$-6.39	$0.52	$0.57	$1.22	$0.97	—
Free Cash Flow per Share (USD)	$2.19	—	$2.12	$2.24	$2.22	—	$2.71	$2.71	$2.21	—	$2.80	$2.79	$2.26	—	—	—	$1.20	—	—	$1.27	$0.62	—	$1.64	$1.48	$1.87	—	—	$16.98	$15.30	—	—	—
Book Value per Share (USD)	$8.69	$8.78	$8.71	$8.54	$9.76	$9.80	$8.20	$8.89	$10.73	$11.73	$11.53	$12.49	$13.46	$16.42	$16.55	$19.70	$19.81	$18.87	$18.02	$17.30	$16.87	$16.86	—	—	$17.81	$18.10	$17.08	—	—	$118.06	—	—
Tangible Book Value per Share (USD)	$8.69	$8.78	$8.71	$8.54	$9.76	$9.80	$8.20	$8.89	$10.73	$11.73	$11.53	$12.49	$13.46	$16.42	$16.55	$16.54	$16.64	$15.62	$18.02	$17.30	$16.87	$16.86	—	—	$17.81	$18.10	$17.08	—	—	$118.06	—	—
Basic Weighted Avg Shares (shares)	47.44M	—	46.71M	46.57M	45.50M	—	39.96M	39.82M	38.90M	—	38.28M	36.69M	33.98M	—	33.01M	32.83M	32.22M	—	28.17M	28.00M	27.77M	—	27.46M	27.23M	27.02M	—	4.29M	2.94M	2.94M	—	2.63M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$241.84M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$396.28M	$390.08M	$383.85M	$375.99M	$366.10M	$353.81M	$327.56M	$354.12M	$381.97M	$404.40M	$441.36M	$458.40M	$456.15M	$547.60M	$549.11M	$648.20M	$649.94M	$603.88M	$511.42M	$484.58M	$471.99M	$466.63M	—	—	$483.54M	$488.77M	$461.12M	—	—	$346.55M	—	—

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$228.76M	$247.75M	$238.69M	$234.35M	$235.90M	$250.95M	$249.95M	$250.40M	$250.48M	$262.62M	$268.22M	$266.56M	$259.51M	$261.95M	$250.08M	$225.80M	$214.72M	$194.13M	$159.08M	$138.25M	$135.31M	$140.83M	$136.77M	$142.71M	$163.43M	$165.34M	$153.88M	$142.60M	$138.33M	$139.01M	$128.48M	—
Depreciation Expense (USD)	$300.00K	$300.00K	$400.00K	$500.00K	$600.00K	$700.00K	$800.00K	$1.00M	$1.10M	$1.10M	$900.00K	$900.00K	$1.30M	$1.40M	$1.30M	$1.30M	$1.30M	$700.00K	$1.30M	$3.90M	$3.50M	$2.10M	$2.20M	$2.60M	$2.50M	$2.60M	$2.30M	$2.20M	$1.70M	$2.20M	$2.10M	—
Net Income, GAAP (USD)	$2.35M	$3.40M	$9.77M	$9.77M	$9.77M	$8.74M	$-26.44M	$-26.44M	$-26.44M	$-41.82M	$-102.09M	$-102.09M	$-102.09M	$-8.42M	$45.66M	$45.66M	$45.66M	$14.17M	$3.02M	$3.02M	$3.02M	$8.51M	$-13.30M	$-13.30M	$-13.30M	$23.16M	$14.61M	$14.61M	$14.61M	$25.27M	$38.37M	—
Operating Cash Flow (USD)	$103.73M	$108.86M	$99.04M	$104.53M	$100.98M	$91.44M	$108.47M	$107.73M	$85.88M	$106.31M	$107.10M	$102.54M	$76.81M	$88.53M	—	—	$38.56M	$59.72M	—	$35.68M	$18.16M	$13.46M	$45.39M	$41.90M	$52.12M	$51.13M	—	$51.51M	$47.18M	$37.94M	—	—

Oportun Financial Corp

Analytical Summary

32-Year Financial Trajectory

Health Breakdown

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Peer Comparison

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