Filing Flows › Oportun Financial (OPRT) › Q4 2025
Oportun Financial (OPRT) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Feb 27, 2026
Oportun Financial (OPRT) reported revenue of $248M for the fourth quarter 2025 (Q4 2025), -1% from a year earlier and +4% from the quarter before. Operating margin was 2.6%, net earnings $3.4M (1.4% of revenue).
Oportun Financial, Q4 2025: revenue $248M (-1% year over year), operating margin 2.6%, net earnings $3.4M, operating cash flow $109M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $248M | +4% | -1% |
| Operating profit | $6.6M | -54% | +68% |
| Net earnings | $3.4M | -35% | -61% |
| Operating cash flow | $109M | +10% | +19% |
What changed
Revenue was $247.7M in Q4 2025, down 1% year over year and up 4% from the previous quarter.
Operating profit was $6.6M, a 2.6% margin (up 1.1 points year over year). Total costs fell 2% while revenue fell 1%. Net earnings were $3.4M, down 61% year over year. The effective tax rate was 48.1%.
Operating cash flow was $108.9M (up 19% year over year), 3198% of net earnings. Non-cash charges added back $9.5M of depreciation and amortization and $2.7M of share-based compensation. Working capital and other items added $93.3M.
Questions
What was Oportun Financial's revenue in the fourth quarter 2025?
Oportun Financial (OPRT) reported revenue of $248M for the fourth quarter 2025 (Q4 2025), -1% from a year earlier and +4% from the quarter before.
Was Oportun Financial profitable in the fourth quarter 2025?
Operating profit was $6.6M (2.6% of revenue) and net earnings $3.4M.
Source: Oportun Financial 10-K on SEC EDGAR.