Oportun Financial (OPRT) FCF Margin (2018 - 2026)
Oportun Financial's (OPRT) quarterly FCF Margin came in at 44.19% in Q2 2026, up 233.0% on a YoY basis from 13.27% in Q2 2025, and up 3.97% quarter-over-quarter from 42.5% in Q1 2026.
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Oportun Financial (OPRT) FCF Margin (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has reported FCF Margin for 9 consecutive years, with 44.19% the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, FCF Margin rose 233.0% year-over-year to 44.19%; the trailing twelve-month figure through Jun 2026 stood at 41.74% (up 234.0% YoY), and the FY2025 full-year result was 40.67%, up 330.0% from the prior year.
- FCF Margin improved to 44.19% in Q2 2026 per OPRT's latest filing, from 42.5% in the prior quarter.
- Across five years, FCF Margin topped out at 44.19% in Q2 2026 and bottomed at 13.0% in Q1 2022.
- Historically, FCF Margin has averaged 34.29% across 5 years, with a median of 37.84% in 2023.
- The sharpest annual moves came in 2022 and 2023: FCF Margin slumped 558 bps in 2022, then soared 1807 bps in 2023.
- Over 5 years, FCF Margin stood at 29.19% in 2022, then soared by 31 bps to 38.16% in 2023, then dropped by 11 bps to 34.03% in 2024, then increased by 22 bps to 41.44% in 2025, then increased by 7 bps to 44.19% in 2026.
- According to Business Quant data, FCF Margin over the past three periods registered 44.19%, 42.5%, and 41.44% for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 50.23% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | -1,112.06% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 7.73% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 52.42% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | -31.97% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 57.21% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 53.68% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 51.85% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 7.85% |
| 10 | Oportun Financial | 374.95 Mn | 235.36 Mn | - | 44.19% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 44.19% |
| Mar 31, 2026 | 42.50% |
| Dec 31, 2025 | 41.44% |
| Sep 30, 2025 | 38.93% |
| Jun 30, 2025 | 41.86% |
| Mar 31, 2025 | 40.44% |
| Dec 31, 2024 | 34.03% |
| Sep 30, 2024 | 41.48% |
| Jun 30, 2024 | 40.92% |
| Mar 31, 2024 | 33.05% |
| Dec 31, 2023 | 38.16% |
| Sep 30, 2023 | 37.52% |
| Jun 30, 2023 | 35.85% |
| Mar 31, 2023 | 25.07% |
| Dec 31, 2022 | 29.19% |
| Sep 30, 2022 | 21.78% |
| Jun 30, 2022 | 17.78% |
| Mar 31, 2022 | 13.00% |
| Dec 31, 2021 | 26.66% |
| Sep 30, 2021 | 27.35% |