Filing Flows › Oportun Financial (OPRT) › Q3 2026
Oportun Financial (OPRT) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
Oportun Financial (OPRT) reported revenue of $246M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +6% from the quarter before. Operating margin was 14.0%, net earnings $22.9M (9.3% of revenue).
Oportun Financial, Q3 2026: revenue $246M (+3% year over year), operating margin 14.0%, net earnings $22.9M, operating cash flow $119M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $246M | +6% | +3% |
| Operating profit | $34.6M | +121% | +143% |
| Net earnings | $22.9M | +169% | +341% |
| Operating cash flow | $119M | +9% | +20% |
What changed
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.
Questions
What was Oportun Financial's revenue in the third quarter 2026?
Oportun Financial (OPRT) reported revenue of $246M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +6% from the quarter before.
Was Oportun Financial profitable in the third quarter 2026?
Operating profit was $34.6M (14.0% of revenue) and net earnings $22.9M.
Source: Oportun Financial 10-Q on SEC EDGAR.