Oportun Financial (OPRT) Free Cash Flow (2018 - 2026)
Oportun Financial (OPRT) reported Free Cash Flow of $97.2 million for Q1 2026, up 1.91% on a YoY basis from $95.4 million in Q1 2025, and down 5.3% quarter-over-quarter from $102.7 million in Q4 2025.
Oportun Financial (OPRT) Free Cash Flow (2018 - 2026) Analysis & Trends
Oportun Financial has reported Free Cash Flow for 9 years, with the latest figure at $97.2 million in Q1 2026.
- For the quarter ending Q1 2026, Free Cash Flow rose 1.91% year-over-year to $97.2 million; the trailing twelve-month figure through Mar 2026 stood at $390.9 million (up 1.02% YoY), and the FY2025 full-year result was $389.1 million, up 3.94% from the prior year.
- Free Cash Flow for Q1 2026 stood at $97.2 million, down from $102.7 million in the prior quarter.
- The five-year high for Free Cash Flow was $103.7 million in Q3 2024, with the low at $27.9 million in Q1 2022.
- Historically, Free Cash Flow has averaged $83.6 million across 5 years, with a median of $95.4 million in 2025.
- Annual changes were most pronounced in 2023 — Free Cash Flow soared 138.07% — and 2024, when it retreated 14.81%.
- Oportun Financial's Free Cash Flow 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 | 541.66 Bn | 529.25 Bn | - | 2.63 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 2.82 Bn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 2.66 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 5.47 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 903.00 Mn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 2.18 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 22.68 Bn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -2.38 Bn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 1.37 Bn |
| 10 | Oportun Financial | 225.32 Mn | 94.94 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 |