Oportun Financial (OPRT) Free Cash Flow (2018 - 2026)
Oportun Financial's (OPRT) quarterly Free Cash Flow came in at $97.2 million in Q1 2026, up 1.91% YoY from $95.4 million in Q1 2025, and down 5.3% on a QoQ basis from $102.7 million in Q4 2025.
Oportun Financial (OPRT) Free Cash Flow (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has 9 years of Free Cash Flow data on file, last reported at $97.2 million in Q1 2026.
- Quarterly Free Cash Flow rose 1.91% year-over-year to $97.2 million in Q1 2026, while the trailing twelve-month figure through Mar 2026 was $390.9 million (up 1.02% YoY) and the FY2025 annual result came in at $389.1 million, up 3.94% from the prior year.
- Free Cash Flow retreated to $97.2 million in Q1 2026, from $102.7 million in the prior quarter.
- In the past five years, Free Cash Flow ranged from a high of $103.7 million in Q3 2024 to a low of $27.9 million in Q1 2022.
- A 5-year average of $83.6 million and a median of $95.4 million in 2025 frame the typical range for Free Cash Flow.
- Annual changes were most pronounced in 2023 — Free Cash Flow soared 138.07% — and 2024, when it retreated 14.81%.
- Tracing OPRT's Free Cash Flow over 5 years: stood at $76.5 million in 2022, then surged by 31.08% to $100.2 million in 2023, then dropped by 14.81% to $85.4 million in 2024, then advanced by 20.23% to $102.7 million in 2025, then declined by 5.3% to $97.2 million in 2026.
- The last three Free Cash Flow figures came in at $97.2 million (Q1 2026), $102.7 million (Q4 2025), and $92.9 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Free Cash Flow (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 6.14 Bn |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 3.51 Bn |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 4.47 Bn |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 8.08 Bn |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.78 Bn |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.42 Bn |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | -32.90 Bn |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -2.38 Bn |
| 10 | Oportun Financial | 382.81 Mn | 303.34 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 |