Filing Flows

Filing Flows › Financials › Oportun Financial (OPRT)

Oportun Financial (OPRT) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Oportun Financial (OPRT) Q3 2026 earnings results →

Q3 2026 Revenue up 3% year over year to $246M · 9¢ of every $1 of revenue kept as net profit · operating margin 14.0%

Oportun Financial made $246M in Q3 2026 (+3% Y/Y). Operating margin 14.0%, net earnings $22.9M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.

Revenue$246M
Year over year+3%
Operating margin14.0%
Net earnings$22.9M
Operating cash flow$119M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $246.3M in Q3 2026, up 3% year over year and up 6% from the previous quarter.

Operating profit was $34.6M, a 14.0% margin (up 8.1 points year over year). Of the extra revenue versus Q3 2025, 268% reached operating profit, above the 6% margin then. Total costs fell 6% while revenue rose 3%. Net earnings were $22.9M, up 341% year over year. The effective tax rate was 33.7%.

Operating cash flow was $118.9M (up 20% year over year), 519% of net earnings. Non-cash charges added back $8.8M of depreciation and amortization and $3.3M of share-based compensation. Working capital and other items added $83.9M.

Quarterly history

Oportun Financial revenue by quarterOportun Financial revenue by quarter$236MQ1 2025$234MQ2 2025$239MQ3 2025$248MQ4 2025$229MQ1 2026$233MQ2 2026$246MQ3 2026
Oportun Financial net earnings by quarterOportun Financial net earnings by quarter$9.8MQ1 2025$6.9MQ2 2025$5.2MQ3 2025$3.4MQ4 2025$2.3MQ1 2026$8.5MQ2 2026$22.9MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 4, 2026$246M+3%14.0%$22.9M$119M
Q2 202610-QAug 6, 2026$233M-0.5%6.7%$8.5M$109M
Q1 202610-QMay 8, 2026$229M-3%1.6%$2.3M$104M
Q4 202510-KFeb 27, 2026$248M-1%2.6%$3.4M$109M
Q3 202510-QNov 5, 2025$239M-4%6.0%$5.2M$99.0M
Q2 202510-QAug 7, 2025$234M-6%4.3%$6.9M$105M
Q1 202510-QMay 9, 2025$236M-6%5.6%$9.8M$101M

Charts

Oportun Financial: revenue growth, year over year and quarter over quarterOportun Financial: revenue growth, year over year and quarter over quarterY/YQ/Q-6%Q1 2025-6%-1%Q2 2025-4%+2%Q3 2025-1%+4%Q4 2025-3%-8%Q1 20260%+2%Q2 2026+3%+6%Q3 2026
Latest (Q3 2026): Y/Y +3%, Q/Q +6%.
Oportun Financial: where the cash came from (+) and went (−), TTM to Q3 2026Oportun Financial: where the cash came from (+) and went (−), TTM to Q3 2026Operating cash flow$441MOther investing−$357MOther financing−$72.5MCash drawn (+) / kept (−)−$34.4MNet borrowing (+) / repaid (−)$23.3M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Oportun Financial: profit against cash, quarter by quarterOportun Financial: profit against cash, quarter by quarterNet incomeOperating cash flow$8.7M$91.4MQ4 2024$9.8M$101MQ1 2025$6.9M$105MQ2 2025$5.2M$99.0MQ3 2025$3.4M$109MQ4 2025$2.3M$104MQ1 2026$8.5M$109MQ2 2026$22.9M$119MQ3 2026
Latest (Q3 2026): Net income $22.9M, Operating cash flow $119M.
Oportun Financial: diluted shares by fiscal yearOportun Financial: diluted shares by fiscal year27MFY202030MFY202133MFY202237MFY202340MFY202448MFY2025
+75.1% since FY2020: more shares outstanding (issuance, stock pay).
Oportun Financial in its industry: growth against margin (84 companies, SIC 6199)Oportun Financial in its industry: growth against margin (84 companies, SIC 6199)revenue growth, year over year →↑ operating marginmedian +17%median -17%AXPBTGOGeneral Motors Financial Company, Inc.SOFICOINCRCLCHYMGDOTBKKTRHLDPGYUPSTLDIWDPWPCORZIRENDAVERIOTMARABURCPSSMSTRVELOPFIWLTHCLSKSNFCAHIVEWULFProsper Marketplace, IncHUTABTCMFINGPGIIONDBMNRBCGGEMIStartEngine Inc.NAKABTBTWYFIKEELCIFREXODGHIMGTESLNHTONXZSTKSBETFWDIMGLDBGDEDGXXATCHFLDVIPDFDVAGPUUPXIDRKAVXHSDTBTCSPWCMORBSSHFSOPNWTRONMVNCMinistry Partners Investment Company, LLCPAPLMWAIBNBXCDSUIGFGCEMPDTAOXGSMTHSCSOPRT (+3%, 14%)
Finance Services; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

Loading the interactive chart…

🌏Named in Asian annual reportsinteractive

Loading the interactive chart…

🔄Rotation against the market and its industry (RRG)interactive

Loading the interactive chart…

🔍Earnings qualityinteractive

Loading the interactive chart…

⚖️Fair value by methodinteractive

Loading the interactive chart…

🔭Outlook & guidanceinteractive

Loading the interactive chart…

📈Investments: gains and what it boughtinteractive

Loading the interactive chart…

🏭Its industry’s money flow (input-output)interactive

Loading the interactive chart…

About Oportun Financial

With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers its members with the confidence to build a better financial future. We design our products to holistically address two of the most fundamental challenges to financial health and resilience - access to responsible and affordable credit, and adequate savings. According to a January 2026 survey by Bankrate, more than half of all Americans do not have enough savings to cover an unplanned expense of $1,000. When presented with an unexpected expense they cannot postpone, like a car that won’t start when one needs to get to work, or a required medical procedure, most people lack adequate savings and will typically require access to credit in order to cover their immediate need.

In its own words, from its 10-K, filed Feb 27, 2026.

Oportun Financial against its Finance Services peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +17%. Operating margin: 14.0% against the peers' median 14.0%.

CompanyQuarterRevenueY/YOp. margin
OPRT Oportun FinancialQ3 2026$246M+3%14.0%
AXP American ExpressQ3 2026$20.1B+9%22.6%
BTGO Bitgo HoldingsQ2 FY27$4.3B+80%-0.4%
General Motors Financial CompanyQ3 2026$4.3B-0.6%15.3%
SOFI SoFi TechnologiesQ3 2026$1.4B+44%22.9%
COIN Coinbase GlobalQ3 2026$1.2B-35%5.1%
CRCL Circle Internet GroupQ3 2026$865M+17%24.1%
CHYM Chime FinancialQ3 2026$718M+32%4.8%
GDOT Green DOTQ2 2026$596M+18%-0.1%

Source: Oportun Financial 10-Q on SEC EDGAR · CIK 1538716 · Finance Services

Guidance and outlook

Oportun Financial Revenue: guidance against what was reportedOportun Financial Revenue: guidance against what was reportedguided rangereported (above / within / below)FY2026Q2 2026$233MQ3 2026$246MQ4 2026
Met or beat 2 of 2 guided periods. Grey: the last range guided before the figures came out; dot: the reported figure.
Oportun Financial: what its forward-looking statements are about (10-Q filed 2026-11-04)Oportun Financial: what its forward-looking statements are about (10-Q filed 2026-11-04)Other7People1Deals1Costs1Financing1Products1
12 statements; tone +0.17 (−1 all cautious, +1 all confident); 5 hedged.
Oportun Financial: outlook statements against the filing beforeOportun Financial: outlook statements against the filing beforeConfident3Cautious1

13F: who owns OPRT and who is buying

Largest holders of OPRT (13F)Largest holders of OPRT (13F)Forager Capital Management, LLC$25.8MNeuberger Berman Group LLC$22.2MBlackRock$19.2MFindell Capital Management LLC$16.0MVanguard Group$12.0MVanguard Capital Management LLC$9.9MDimensional Fund Advisors LP$9.5MLong Focus Capital Management, LLC$8.7MGoldman Sachs Group$7.3MSimcoe Capital LLC$6.5M
Funds' net buying of OPRT by quarter (13F)Funds' net buying of OPRT by quarter (13F)−$390K2024-09−$522K2024-12$22.4M2025-03$45.4M2025-06$9.6M2025-09−$6.8M2025-12$5.5M2026-03$20.1M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on OPRT

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

Compare OPRT with

中文版：Oportun Financial（OPRT）财报

Español · Français