Oportun Financial (OPRT) Free Cash Flow (2018 - 2026)
Oportun Financial (OPRT) posted Free Cash Flow of $97.2 million for Q1 2026, down 5.3% quarter-over-quarter from $102.7 million in Q4 2025, and up 1.91% year-on-year from $95.4 million in Q1 2025.
Oportun Financial (OPRT) Free Cash Flow (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has reported Free Cash Flow for 9 consecutive years, with $97.2 million the latest figure, recorded in Q1 2026.
- Free Cash Flow for Q1 2026 came in at $97.2 million, up 1.91% year-over-year; the trailing twelve-month figure through Mar 2026 was $390.9 million (up 1.02% YoY), and the FY2025 annual result was $389.1 million, up 3.94% from the prior year.
- Free Cash Flow was $97.2 million for Q1 2026 at Oportun Financial, down from $102.7 million in the prior quarter.
- Over five years, Free Cash Flow peaked at $103.7 million in Q3 2024 and troughed at $27.9 million in Q1 2022.
- Average Free Cash Flow over 5 years is $83.6 million, with a median of $95.4 million recorded in 2025.
- Year-over-year, Free Cash Flow surged 138.07% in 2023 and slipped 14.81% in 2024.
- Over 5 years, Free Cash Flow stood at $76.5 million in 2022, then surged by 31.08% to $100.2 million in 2023, then retreated by 14.81% to $85.4 million in 2024, then increased by 20.23% to $102.7 million in 2025, then decreased by 5.3% to $97.2 million in 2026.
- Per Business Quant data, the three most recent Free Cash Flow figures were $97.2 million in Q1 2026, $102.7 million in Q4 2025, and $92.9 million in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 2.63 Bn |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 2.82 Bn |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 2.66 Bn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 903.00 Mn |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 22.68 Bn |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | -2.38 Bn |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 1.37 Bn |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 268.90 Mn |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 66.48 Mn |
| 10 | Oportun Financial | 279.87 Mn | 149.49 Mn | - | 97.22 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 97.22 Mn |
| Mar 31, 2026 | 97.22 Mn |
| Dec 31, 2025 | 102.66 Mn |
| Dec 31, 2025 | 102.66 Mn |
| Sep 30, 2025 | 92.92 Mn |
| Sep 30, 2025 | 92.92 Mn |
| Jun 30, 2025 | 98.10 Mn |
| Jun 30, 2025 | 98.10 Mn |
| Mar 31, 2025 | 95.40 Mn |
| Mar 31, 2025 | 95.40 Mn |
| Dec 31, 2024 | 85.39 Mn |
| Dec 31, 2024 | 85.39 Mn |
| Sep 30, 2024 | 103.69 Mn |
| Sep 30, 2024 | 103.69 Mn |
| Jun 30, 2024 | 102.47 Mn |
| Jun 30, 2024 | 102.47 Mn |
| Mar 31, 2024 | 82.79 Mn |
| Mar 31, 2024 | 82.79 Mn |
| Dec 31, 2023 | 100.23 Mn |
| Dec 31, 2023 | 100.23 Mn |