Oportun Financial CorpOPRTEarnings & Financial Report
Oportun Financial Corp is a US-based fintech firm that provides accessible, responsible financial services including personal loans, credit cards, and savings products to underserved low-to-moderate income consumers, many with limited or no credit history, leveraging proprietary AI underwriting to deliver fair terms while mitigating operational risk.
OPRT Q4 FY2025 Key Financial Metrics
Revenue
$247.7M
Gross Profit
N/A
Operating Profit
$6.6M
Net Profit
$3.4M
Gross Margin
N/A
Operating Margin
2.6%
Net Margin
1.4%
YoY Growth
-1.3%
EPS
$0.07
Oportun Financial Corp Q4 FY2025 Financial Summary
Oportun Financial Corp reported revenue of $247.7M (down 1.3% YoY) for Q4 FY2025, with a net profit of $3.4M (down 61.0% YoY) (1.4% margin).
Key Financial Metrics
| Total Revenue | $247.7M |
|---|---|
| Net Profit | $3.4M |
| Gross Margin | N/A |
| Operating Margin | 2.6% |
| Report Period | Q4 FY2025 |
Oportun Financial Corp Annual Revenue by Year
Oportun Financial Corp annual revenue history includes year-by-year totals (for example, 2025 revenue was $956.7M).
Oportun Financial Corp Quarterly Revenue & Net Profit History
Oportun Financial Corp results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $247.7M | -1.3% | $3.4M | 1.4% |
| Q3 FY2025 | $238.7M | -4.5% | $5.2M | 2.2% |
| Q2 FY2025 | $234.3M | -6.4% | $6.9M | 2.9% |
| Q1 FY2025 | $235.9M | -5.8% | $9.8M | 4.1% |
| Q4 FY2024 | $250.9M | -4.4% | $8.7M | 200.1% |
| Q3 FY2024 | $250.0M | -6.8% | $-30.0M | -12.0% |
| Q2 FY2024 | $250.4M | -6.1% | $-31.0M | -12.4% |
| Q1 FY2024 | $250.5M | -3.5% | $-26.4M | -10.6% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $250.5M | $250.4M | $250.0M | $250.9M | $235.9M | $234.3M | $238.7M | $247.7M |
| YoY Growth | -3.5% | -6.1% | -6.8% | -4.4% | -5.8% | -6.4% | -4.5% | -1.3% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $3.28B | $3.25B | $3.25B | $3.23B | $3.23B | $3.20B | $3.19B | $3.26B |
| Liabilities | $2.90B | $2.90B | $2.92B | $2.87B | $2.86B | $2.83B | $2.80B | $2.87B |
| Equity | $382.0M | $354.1M | $327.6M | $353.8M | $366.1M | $376.0M | $383.9M | $390.1M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $85.9M | $107.7M | $108.5M | $393.5M | $101.0M | $104.5M | $99.0M | $413.4M |