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Oportun Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$119M in Q3 2026 · $441M over twelve months

Operating cash flow$119M
Free cash flow+$119M
Cash / net income5.2×

Analysis

In Q3 2026, Oportun Financial generated $119M of operating cash flow. That is $19.9M more than in Q3 2025 ($99.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $441M; the largest uses were other investing ($357M), other financing ($72.5M); besides operations, cash came from net borrowing (+) / repaid (−) ($23.3M); the cash balance rose by $34.4M.

Operating cash flow was $119M against net income of $22.9M — 5.2× profit, cash ran ahead of reported earnings. The largest differences: other non-cash +$11.8M, depreciation & amortization +$8.8M, other operating capital +$7.8M.

Free cash flow

Oportun Financial: free cash flow by quarterOportun Financial: free cash flow by quarter$91.4MQ4 2024$101MQ1 2025$105MQ2 2025$99.0MQ3 2025$109MQ4 2025$104MQ1 2026$109MQ2 2026$119MQ3 2026
Operating cash flow less capital spending.
Oportun Financial: operating cash flow against capital spendingOportun Financial: operating cash flow against capital spendingOperating cash flowCapital spending$91.4M$0Q4 2024$101M$0Q1 2025$105M$0Q2 2025$99.0M$0Q3 2025$109M$0Q4 2025$104M$0Q1 2026$109M$0Q2 2026$119M$0Q3 2026
Latest (Q3 2026): Operating cash flow $119M, Capital spending $0.

Capital allocation, year by year

Oportun Financial: where the cash came from (up) and went (down), by fiscal yearOportun Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsFY2021: Operating cash flow $163MFY2021: Net borrowing $751MFY2021: Shares issued $3.3MFY2021: Capital spending −$12.3MFY2021: Acquisitions −$112M$918MFY2021FY2022: Operating cash flow $248MFY2022: Net borrowing $951MFY2022: Shares issued $1.6MFY2022: Capital spending −$6.0M$1.2BFY2022FY2023: Operating cash flow $393MFY2023: Net borrowing −$737MFY2023: Shares issued $800K$394MFY2023FY2024: Operating cash flow $394MFY2024: Net borrowing −$523M$394MFY2024FY2025: Operating cash flow $413MFY2025: Net borrowing −$1.2B$413MFY2025
Over these 5 years operating cash flow totalled $1.6B; the largest uses were net borrowing ($2.4B) and acquisitions ($112M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$181M
Debtnone
Net cash$181M

Oportun Financial funds itself: free cash flow was $441M over the last twelve months, with $181M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Oportun Financial: sources (+) and uses (−) of cash, Q3 2026Oportun Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$126MOperating cash flow$119MNet borrowing (+) / repaid (−)$100MOther financing−$47.1MCash drawn (+) / kept (−)−$45.9M
Oportun Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Oportun Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$441MOther investing−$357MOther financing−$72.5MCash drawn (+) / kept (−)−$34.4MNet borrowing (+) / repaid (−)$23.3M

From profit to cash

Oportun Financial: net income to operating cash flow, Q3 2026Oportun Financial: net income to operating cash flow, Q3 2026Net income$22.9MDepreciation & amortization$8.8MStock-based pay$3.3MOther non-cash$11.8MOther operating capital$7.8MOperating cash flow$119M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$119M$100M−$45.9M$119M
Q2 2026$109M$33.6M−$2.6M$109M
Q1 2026$104M−$58.3M−$10.9M$104M
Q4 2025$109M−$52.0M$25.0M$109M
Q3 2025$99.0M−$439M$4.3M$99.0M
Q2 2025$105M−$363M$2.8M$105M
Q1 2025$101M−$315M−$16.3M$101M
Q4 2024$91.4M$96.0M$13.9M$91.4M

Oportun Financial: income statement and cash flow

Oportun Financial, Q3 2026: revenue $246M (+3% year over year), operating margin 14.0%. The chart follows the revenue to costs, profit and cash.

Oportun Financial: 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.