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Prosper Marketplace cash flow, quarter by quarter

Latest: Q1 2026 · from the cash-flow statements filed with the SEC

Free cash flow$50.2M in Q1 2026 · $107M over twelve months

Operating cash flow$56.1M
Capital spending−$5.9M
Free cash flow+$50.2M
Cash / net income0.9×

Analysis

In Q1 2026, Prosper Marketplace generated $56.1M of operating cash flow and spent $5.9M on capital projects, leaving free cash flow of $50.2M. That is $12.5M less than in Q1 2025 ($62.8M).

Over the twelve months to Mar 31, 2026, operating cash flow was $124M; the largest uses were net borrowing (+) / repaid (−) ($73.0M), other financing ($36.7M), capital spending ($17.3M); besides operations, cash came from other investing ($5.6M); the cash balance rose by $2.9M.

Operating cash flow was $56.1M against net income of $64.7M — 0.9× profit, less cash than reported earnings, worth checking against working capital. The largest differences: depreciation & amortization +$4.3M, payables +$2.6M, other liabilities −$1.3M.

Free cash flow

Prosper Marketplace: free cash flow by quarterProsper Marketplace: free cash flow by quarter$61.0MQ2 2024$48.1MQ3 2024$54.8MQ4 2024$62.8MQ1 2025$36.1MQ2 2025$45.0MQ3 2025−$24.3MQ4 2025$50.2MQ1 2026
Operating cash flow less capital spending.
Prosper Marketplace: operating cash flow against capital spendingProsper Marketplace: operating cash flow against capital spendingOperating cash flowCapital spending$65.2M$4.3MQ2 2024$52.0M$3.8MQ3 2024$58.1M$3.3MQ4 2024$66.1M$3.3MQ1 2025$39.4M$3.2MQ2 2025$50.5M$5.5MQ3 2025−$21.6M$2.8MQ4 2025$56.1M$5.9MQ1 2026
Latest (Q1 2026): Operating cash flow $56.1M, Capital spending $5.9M.

Capital allocation, year by year

Prosper Marketplace: where the cash came from (up) and went (down), by fiscal yearProsper Marketplace: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingFY2021: Operating cash flow $114MFY2021: Net borrowing −$33.2MFY2021: Capital spending −$12.0M$114MFY2021FY2022: Operating cash flow −$335MFY2022: Net borrowing $309MFY2022: Capital spending −$13.1M$309MFY2022FY2023: Operating cash flow $47.8MFY2023: Net borrowing −$63.3MFY2023: Capital spending −$15.7M$47.8MFY2023FY2024: Operating cash flow $220MFY2024: Net borrowing −$132MFY2024: Capital spending −$15.3M$220MFY2024FY2025: Operating cash flow $134MFY2025: Net borrowing −$512KFY2025: Capital spending −$14.8M$134MFY2025
Over these 5 years operating cash flow totalled $181M; the largest uses were operating cash flow ($335M) and net borrowing ($229M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$46.2M
Debtnone
Net cash$46.2M

Prosper Marketplace funds itself: free cash flow was $107M over the last twelve months, with $46.2M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Prosper Marketplace: sources (+) and uses (−) of cash, Q1 2026Prosper Marketplace: sources (+) and uses (−) of cash, Q1 2026Operating cash flow$56.1MCash drawn (+) / kept (−)−$30.5MOther financing−$21.9MCapital spending−$5.9MOther investing$2.2M
Prosper Marketplace: sources (+) and uses (−) of cash, TTM to Q1 2026Prosper Marketplace: sources (+) and uses (−) of cash, TTM to Q1 2026Operating cash flow$124MNet borrowing (+) / repaid (−)−$73.0MOther financing−$36.7MCapital spending−$17.3MOther investing$5.6MCash drawn (+) / kept (−)−$2.9M

From profit to cash

Prosper Marketplace: net income to operating cash flow, Q1 2026Prosper Marketplace: net income to operating cash flow, Q1 2026Net income$64.7MDepreciation & amortization$4.3MStock-based pay$464KOther non-cash$339KReceivables$707KPayables$2.6MPrepaid and other assets−$1.2MOther liabilities−$1.3MOperating cash flow$56.1M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q1 2026$56.1M−$5.9M—−$30.5M$50.2M
Q4 2025−$21.6M−$2.8M−$68.0M$40.5M−$24.3M
Q3 2025$50.5M−$5.5M−$2.5M−$13.9M$45.0M
Q2 2025$39.4M−$3.2M−$2.5M$1.1M$36.1M
Q1 2025$66.1M−$3.3M−$2.5M−$23.7M$62.8M
Q4 2024$58.1M−$3.3M−$2.5M$1.8M$54.8M
Q3 2024$52.0M−$3.8M—$309K$48.1M
Q2 2024$65.2M−$4.3M—−$8.0M$61.0M

Prosper Marketplace: income statement and cash flow

Prosper Marketplace, Q2 2026: revenue $71.4M (+38% year over year), operating margin 9.3%. The chart follows the revenue to costs, profit and cash.

Prosper Marketplace: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.