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
DateValue
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%