Oportun Financial Corp — Financial Data
Annual figures from SEC EDGAR XBRL filings (10-K)
These figures are extracted directly from XBRL-tagged financial statements that Oportun Financial Corp filed with the SEC as part of its annual 10-K reports. XBRL (eXtensible Business Reporting Language) is a structured data format the SEC requires for machine-readable financial disclosures. Values shown are as reported — negative figures indicate a loss and are shown in red.
Revenue
Total revenue from all business activities — the top line of the income statement. Represents all money earned before any expenses are deducted.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $956.69M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $1.00B | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $1.06B | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | $952.55M | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $626.78M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $583.73M | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $600.15M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $497.58M | Feb 28, 2020 |
| FY2019 | Dec 31, 2017 | $360.95M | Feb 28, 2020 |
Revenue
Revenue recognized from contracts with customers under ASC 606, excluding taxes collected on behalf of government authorities. This is the primary revenue concept for many companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $19.47M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $22.67M | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $25.57M | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | $31.19M | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $813.0K | Mar 14, 2023 |
Net Income
The bottom-line profit — what remains after all operating expenses, interest, taxes, and other costs are deducted. A negative value means the company reported a net loss for the year.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $25.25M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | ($78.68M) | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | ($179.95M) | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | ($77.74M) | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $47.41M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | ($45.08M) | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $61.60M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $123.39M | Feb 28, 2020 |
| FY2019 | Dec 31, 2017 | ($10.21M) | Feb 28, 2020 |
SG&A Expense
Selling, general, and administrative expenses — the overhead costs of running the business, including salaries, marketing, legal fees, and corporate office costs. Excludes COGS and R&D.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $33.98M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $53.22M | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $72.39M | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | $58.84M | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $37.48M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $20.47M | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $15.39M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $10.83M | Feb 28, 2020 |
| FY2019 | Dec 31, 2017 | $16.86M | Feb 28, 2020 |
Operating Cash Flow
Cash generated from core business operations — a more reliable measure of financial health than net income because it strips out non-cash items like depreciation and one-time charges.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $413.41M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $393.52M | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $392.77M | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | $247.88M | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $163.45M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $152.87M | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $218.37M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $138.37M | Feb 28, 2020 |
| FY2019 | Dec 31, 2017 | $139.12M | Feb 28, 2020 |
Capital Expenditures (Capex)
Cash spent on acquiring or upgrading physical assets — property, equipment, and infrastructure. High capex businesses include manufacturing, telecom, and energy companies.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2022 | Dec 31, 2022 | $6.00M | Mar 14, 2023 |
| FY2022 | Dec 31, 2021 | $12.30M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $4.83M | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $8.88M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $14.56M | Feb 28, 2020 |
| FY2019 | Dec 31, 2017 | $8.55M | Feb 28, 2020 |
Total Assets
The total value of everything the company owns or controls — cash, investments, receivables, property, equipment, and intangibles. Reported as of fiscal year end.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $3.26B | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $3.23B | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $3.41B | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | $3.61B | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $2.95B | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $2.01B | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $2.20B | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $1.74B | Feb 28, 2020 |
Total Liabilities
All financial obligations owed to outside parties — including debt, accounts payable, accrued expenses, and deferred revenue. Subtracting liabilities from total assets gives stockholders' equity.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $2.87B | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $2.87B | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $3.01B | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | $3.07B | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $2.34B | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $1.54B | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $1.71B | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $1.39B | Feb 28, 2020 |
Stockholders Equity
The net worth attributable to shareholders: total assets minus total liabilities. Also called book value. Can be negative if liabilities exceed assets, which is common in capital-intensive industries.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $390.08M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $353.81M | Feb 27, 2026 |
| FY2025 | Dec 31, 2023 | $404.40M | Feb 27, 2026 |
| FY2024 | Dec 31, 2022 | $547.60M | Feb 20, 2025 |
| FY2023 | Dec 31, 2021 | $603.88M | Mar 15, 2024 |
| FY2021 | Dec 31, 2020 | $466.63M | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $488.77M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $346.55M | Feb 28, 2020 |
Goodwill
An intangible asset representing the premium paid above fair value when acquiring another company. A large goodwill balance signals a history of acquisitions at premium prices.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2022 | Dec 31, 2022 | $0 | Mar 14, 2023 |
| FY2022 | Dec 31, 2021 | $104.01M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $0 | Mar 1, 2022 |
Retained Earnings
Cumulative net income kept by the company rather than distributed as dividends. A growing retained earnings balance indicates consistent profitability; a deficit indicates cumulative losses.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | ($227.29M) | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | ($252.53M) | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | ($173.85M) | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | $6.10M | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $83.85M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $36.43M | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $76.68M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $52.66M | Feb 28, 2020 |
Cash & Equivalents
Highly liquid assets the company holds — cash on hand, bank balances, and short-term investments with maturities of three months or less. A key indicator of short-term financial health.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $105.53M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | $59.97M | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | $91.19M | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | $98.82M | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | $130.96M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | $136.19M | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | $72.18M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | $70.48M | Feb 28, 2020 |
| FY2019 | Dec 31, 2017 | $48.35M | Feb 28, 2020 |
EPS (Basic)
Net income divided by the weighted average shares outstanding. Basic EPS does not account for dilutive securities like options or convertible bonds — use diluted EPS for a more conservative view.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 0 | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | (1) | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | (4) | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | (2) | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | 1 | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | (1) | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | 0 | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | 6 | Feb 28, 2020 |
| FY2019 | Dec 31, 2017 | (4) | Feb 28, 2020 |
EPS (Diluted)
Net income divided by the fully diluted share count — including all potential shares from options, warrants, and convertible instruments. The more conservative and widely cited EPS figure.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 0 | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | (1) | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | (4) | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | (2) | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | 1 | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | (1) | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | 0 | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | 4 | Feb 28, 2020 |
| FY2019 | Dec 31, 2017 | (4) | Feb 28, 2020 |
Shares Outstanding
Total common shares issued and held by all shareholders, excluding treasury shares. Combined with market price gives market capitalization.
| Fiscal Year | Period End | Value | Filed |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 44.44M | Feb 27, 2026 |
| FY2025 | Dec 31, 2024 | 36.11M | Feb 27, 2026 |
| FY2024 | Dec 31, 2023 | 34.47M | Feb 20, 2025 |
| FY2023 | Dec 31, 2022 | 33.35M | Mar 15, 2024 |
| FY2022 | Dec 31, 2021 | 32.00M | Mar 14, 2023 |
| FY2021 | Dec 31, 2020 | 27.68M | Mar 1, 2022 |
| FY2020 | Dec 31, 2019 | 27.00M | Feb 23, 2021 |
| FY2019 | Dec 31, 2018 | 2.94M | Feb 28, 2020 |