Filing Flows › Oportun Financial (OPRT) › Q2 2025
Oportun Financial (OPRT) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 7, 2025
Oportun Financial (OPRT) reported revenue of $234M for the second quarter 2025 (Q2 2025), -6% from a year earlier and -0.7% from the quarter before. Operating margin was 4.3%, net earnings $6.9M (2.9% of revenue).
Oportun Financial, Q2 2025: revenue $234M (-6% year over year), operating margin 4.3%, net earnings $6.9M, operating cash flow $105M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $234M | -0.7% | -6% |
| Operating profit | $10.1M | -23% | — |
| Net earnings | $6.9M | -30% | — |
| Operating cash flow | $105M | +4% | -3% |
What changed
Revenue was $234.3M in Q2 2025, down 6% year over year and down 1% from the previous quarter.
Operating profit was $10.1M, a 4.3% margin (up 23.9 points year over year). Total costs fell 25% while revenue fell 6%. Net earnings were $6.9M. The effective tax rate was 32.0%.
Operating cash flow was $104.5M (down 3% year over year), 1520% of net earnings. Non-cash charges added back $10.7M of depreciation and amortization and $2.7M of share-based compensation. Working capital and other items added $84.2M.
Questions
What was Oportun Financial's revenue in the second quarter 2025?
Oportun Financial (OPRT) reported revenue of $234M for the second quarter 2025 (Q2 2025), -6% from a year earlier and -0.7% from the quarter before.
Was Oportun Financial profitable in the second quarter 2025?
Operating profit was $10.1M (4.3% of revenue) and net earnings $6.9M.
Source: Oportun Financial 10-Q on SEC EDGAR.