Oportun Financial Corporation

OPRTNASDAQFinancial Services● Active

$4.77

+$0.02(+0.42%)

Market Cap$218172645

P/E Ratio—

52W High$7.965

52W Low$4.03

Avg Volume535K

Open$4.77

Beta1.25

Overview

Oportun Financial Corporation (OPRT) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

OPRT · free cash flow · updated Jun 9, 2026

Core FCF metrics

OPRT · FCF · TTM · margin & CAGR

Free cash flow was $389.1M for FY2025 (fiscal year ending 2025-12-31), up 3.9% year-over-year The FCF margin was 61.0%. Five-year CAGR stands at +24.3%.

FY2025 Free Cash Flow$389.1M▲ +3.9% YoY

Trailing 12M (TTM)$402.9Mtrailing 4 quarters sum

FCF Margin61.0%$389.1M ÷ revenue

3-Year CAGR+25.1%FY2022 → FY2025

5-Year CAGR+24.3%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

OPRT · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$413.4M(24M)$389.1M▲ +3.9%61.0%

FY2024$393.5M(19M)$374.3M▲ +3.5%70.2%

FY2023$392.8M(31M)$361.5M▲ +81.7%78.6%

FY2022$247.9M(49M)$199.0M▲ +45.3%27.1%

FY2021$163.4M(26M)$137.0M▲ +4.5%23.7%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

OPRT · P/FCF · FCF yield · FCF per share

Oportun Financial Corporation (OPRT) trades at a FCF yield of 184.67% and a price-to-free-cash-flow ratio of 0.6x. FCF per share stands at $8.42, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

184.67%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$8.42

TTM FCF ÷ Shares Outstanding

Price / FCF

x0.6

Share Price ÷ FCF per Share

EV / FCF (TTM)

x6.8

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

OPRT · cash flow statement · operating / investing / financing

For FY2025, Oportun Financial Corporation generated $413.4M in operating cash flow and spent 24M in capital expenditures, yielding $389.1M in free cash flow.

Operating Activities

+$413.4M

Cash from core business operations

2025-12-31

Investing Activities

−$369.7M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$59.4M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($413.4M) − |CapEx| (24M) = FCF ($389.1M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

OPRT vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Oportun Financial CorporationYOU

OPRT

$389.1M+3.9%61.0%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Oportun Financial Corporation (OPRT) reported free cash flow of $389.1M for FY2025 (fiscal year ending 2025-12-31), up 3.9% year-over-year. The FCF margin was 61.0%.

Based on available data, Oportun Financial Corporation has maintained positive free cash flow for at least 11 fiscal year(s). FCF peaked at $389.1M in FY2025. The 5-year CAGR stands at +24.3%.

Oportun Financial Corporation's FCF yield is 184.67% and price-to-FCF ratio is 0.6x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

OPRT free cash flow · 8 questions

Oportun Financial Corporation free cash flow was $389.1M for FY2025, up 3.9% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $402.9M.

OPRT free cash flowOPRT FCFOPRT FCF 2025OPRT free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Oportun Financial Corporation · Oportun Financial Corporation SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026