Oportun Financial (OPRT) FCF Margin (2018 - 2026)
Oportun Financial (OPRT) reported FCF Margin of 42.5% for Q1 2026, down 4765.0% on a YoY basis from 0.91% in Q1 2025, and up 165.45% quarter-over-quarter from 16.01% in Q4 2025.
Oportun Financial (OPRT) FCF Margin (2018 - 2026) Analysis & Trends
Oportun Financial has reported FCF Margin for 9 years, with the latest figure at 42.5% in Q1 2026.
- For the quarter ending Q1 2026, FCF Margin fell 4765.0% year-over-year to 42.5%; the trailing twelve-month figure through Mar 2026 stood at 36.21% (up 20656.0% YoY), and the FY2025 full-year result was 40.67%, down 8614.0% from the prior year.
- FCF Margin for Q1 2026 stood at 42.5%, up from 16.01% in the prior quarter.
- The five-year high for FCF Margin was 170.69% in Q2 2024, with the low at 153.11% in Q4 2022.
- Historically, FCF Margin has averaged 45.42% across 5 years, with a median of 37.52% in 2023.
- Annual changes were most pronounced in 2022 — FCF Margin slumped 17878 bps — and 2023, when it surged 19127 bps.
- Oportun Financial's FCF Margin stood at 153.11% in 2022, then surged by 125 bps to 38.16% in 2023, then slumped by 149 bps to 18.74% in 2024, then jumped by 185 bps to 16.01% in 2025, then jumped by 165 bps to 42.5% in 2026.
- The last three FCF Margin figures came in at 42.5% (Q1 2026), 16.01% (Q4 2025), and 88.46% (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 23.37% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 33.56% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 14.04% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 35.91% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 10.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 45.78% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 6,779.64% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -216.52% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 65.22% |
| 10 | Oportun Financial | 225.32 Mn | 94.94 Mn | - | 42.50% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 42.50% |
| Dec 31, 2025 | 16.01% |
| Sep 30, 2025 | 88.46% |
| Jun 30, 2025 | 93.83% |
| Mar 31, 2025 | 90.14% |
| Dec 31, 2024 | -18.74% |
| Sep 30, 2024 | 165.59% |
| Jun 30, 2024 | 170.69% |
| Mar 31, 2024 | 33.05% |
| Dec 31, 2023 | 38.16% |
| Sep 30, 2023 | 37.52% |
| Jun 30, 2023 | 80.55% |
| Mar 31, 2023 | 25.07% |
| Dec 31, 2022 | -153.11% |
| Sep 30, 2022 | 21.78% |
| Jun 30, 2022 | 27.64% |
| Mar 31, 2022 | 13.00% |
| Dec 31, 2021 | 25.67% |
| Sep 30, 2021 | 31.19% |
| Jun 30, 2021 | 21.12% |