Oportun Financial Corporation (OPRT)

From the record

Oportun Financial Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Oportun Financial Corporation's 9 filed years say what it did: revenue went from $361 million in fiscal 2017 to $957 million in fiscal 2025, up 13% a year; it rose in 5 of 8 years; the deepest fall was 9% from fiscal 2023 to fiscal 2025; net income was positive in 4 of 9 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Oportun Financial Corporation's diluted share count grew about 13.4% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 10 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Oportun Financial Corporation earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count grew 18.6% over the year (the filed statements).

From the record

Oportun Financial Corporation's standing among 114 graded names in its industry family: revenue of $957 million in fiscal 2025 ranks in the top 14% by size; a net margin of 2.6% ranks in the top 29%; revenue growth of 0.1% a year over the last 3 filed years ranks in the bottom 40% (its annual reports).

From the record

Oportun Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Bland, Douglas K (Chief Executive Officer, as filed), filing under that title since 2026-04-21, 7 months (bottom 21% of its family); the 15 officers and directors filing in the last fifteen months have been on the record a median of 2.4 years (bottom 34%); 15 officer or director changes were reported on Form 8-K since 2023-11-13, against the 15 people in charge now (bottom 22%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Oportun Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $199 million against no long-term debt tagged leaves 6.1% of its assets as net cash, bottom 49% of its family; cash from operations less capital spending is 43.2% of revenue (top 8%) (its annual report).

From the record

Oportun Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 0.1% a year over the last three filed years against 13% over all 9, slowing (bottom 30% of its family); the newest year grew -4.5% (bottom 30%); capital spending grew -12.3% a year (bottom 38%) (its annual reports). Oportun Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Oportun Financial Corporation's newest year against its own record: revenue of $957 million in fiscal 2025 came in 6.9% below the $1.0 billion its prior three years' pace pointed to (bottom 41% of its family); net income of $25 million against a prior three-year average of $112 million (top 15%); a net margin of 2.6% against -11% before (top 34%) (its annual reports).