Filing Flows › Oportun Financial (OPRT) › Q3 2025
Oportun Financial (OPRT) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 5, 2025
Oportun Financial (OPRT) reported revenue of $239M for the third quarter 2025 (Q3 2025), -5% from a year earlier and +2% from the quarter before. Operating margin was 6.0%, net earnings $5.2M (2.2% of revenue).
Oportun Financial, Q3 2025: revenue $239M (-4% year over year), operating margin 6.0%, net earnings $5.2M, operating cash flow $99.0M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $239M | +2% | -5% |
| Operating profit | $14.2M | +41% | — |
| Net earnings | $5.2M | -24% | — |
| Operating cash flow | $99.0M | -5% | -9% |
What changed
Revenue was $238.7M in Q3 2025, down 5% year over year and up 2% from the previous quarter.
Operating profit was $14.2M, a 6.0% margin (up 21.8 points year over year). Total costs fell 22% while revenue fell 5%. Net earnings were $5.2M. The effective tax rate was 63.5%.
Operating cash flow was $99.0M (down 9% year over year), 1905% of net earnings. Non-cash charges added back $10.2M of depreciation and amortization and $2.5M of share-based compensation. Working capital and other items added $81.2M.
Questions
What was Oportun Financial's revenue in the third quarter 2025?
Oportun Financial (OPRT) reported revenue of $239M for the third quarter 2025 (Q3 2025), -5% from a year earlier and +2% from the quarter before.
Was Oportun Financial profitable in the third quarter 2025?
Operating profit was $14.2M (6.0% of revenue) and net earnings $5.2M.
Source: Oportun Financial 10-Q on SEC EDGAR.