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
DateValue
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