Oportun Financial reported cash from operations of $118.91M and free cash flow of $118.91M for the quarter ended Sep 2026, up 20.1% year over year. This cash flow statement covers 33 quarters of results from Sep 2018 through Sep 2026, standardized by Business Quant from the company’s SEC filings.
| Cash Flow StatementCash Flow | Sep2018 | Dec2018 | Mar2019 | Jun2019 | Sep2019 | Dec2019 | Mar2020 | Jun2020 | Sep2020 | Dec2020 | Mar2021 | Jun2021 | Sep2021 | Dec2021 | Mar2022 | Jun2022 | Sep2022 | Dec2022 | Mar2023 | Jun2023 | Sep2023 | Dec2023 | Mar2024 | Jun2024 | Sep2024 | Dec2024 | Mar2025 | Jun2025 | Sep2025 | Dec2025 | Mar2026 | Jun2026 | Sep2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||||||||||||||||||||||||
| Net Income | 14.17M | 45.66M | -9.16M | -105.83M | -8.42M | -102.09M | -14.90M | -21.14M | -41.82M | -26.44M | -31.03M | -29.96M | 8.74M | 9.77M | 6.88M | 5.20M | 3.40M | 2.35M | 8.54M | 22.93M | |||||||||||||
| Depreciation, Depletion & Amortization | |||||||||||||||||||||||||||||||||
| Depreciation and Depletion | 0.70M | 1.30M | 1.30M | 1.30M | 1.40M | 1.30M | 0.90M | 0.90M | 1.10M | 1.10M | 1.00M | 0.80M | 0.70M | 0.60M | 0.50M | 0.40M | 0.30M | 0.30M | 0.30M | 0.20M | |||||||||||||
| Amortization of Deferred Charges | -6.77M | -4.69M | -6.67M | -6.35M | -9.15M | -4.74M | -12.24M | -2.37M | -4.01M | -1.60M | -8.54M | -2.47M | -20.19M | -11.84M | -9.09M | -8.39M | -8.28M | -0.26M | -7.10M | -14.27M | |||||||||||||
| Depreciation & Amortization (CF)Depreciation & Amortization | 6.72M | 10.70M | 11.64M | 12.28M | 12.91M | 13.39M | 13.77M | 13.94M | 13.78M | 13.20M | 13.01M | 13.47M | 11.48M | 11.07M | 10.72M | 10.16M | 9.47M | 9.00M | 8.82M | 8.83M | |||||||||||||
| Provision for Losses | |||||||||||||||||||||||||||||||||
| Share-based Compensation | 4.32M | 6.77M | 6.93M | 7.05M | 6.87M | 4.88M | 4.47M | 4.36M | 4.88M | 3.98M | 2.94M | 3.22M | 2.85M | 2.83M | 2.71M | 2.49M | 2.66M | 4.14M | 2.94M | 3.27M | |||||||||||||
| Deferred Taxes | 2.45M | ||||||||||||||||||||||||||||||||
| Gains from Investment Securities | -22.18M | 3.97M | -63.48M | -76.42M | -82.91M | -215.71M | -106.49M | -136.12M | -138.52M | -116.85M | -136.12M | -131.59M | -83.86M | -72.67M | -70.26M | -77.02M | -99.40M | -85.89M | -85.66M | -78.58M | |||||||||||||
| Asset Writedowns and Impairment | 108.47M | 0.03M | |||||||||||||||||||||||||||||||
| Other non-cash items | -7.04M | 20.23M | 0.51M | 11.45M | -1.85M | -34.56M | 4.65M | -11.43M | -11.85M | -2.69M | -11.50M | -5.79M | 24.18M | 9.99M | 13.39M | 17.39M | 14.30M | 7.48M | 3.73M | 11.78M | |||||||||||||
| Originations of Loans Held for SaleLHFS Originations | 78.31M | 48.67M | 0.31M | 1.67M | 2.10M | 10.03M | 15.65M | 15.88M | 15.04M | 22.24M | 28.43M | 32.32M | 36.57M | 32.35M | 39.90M | 38.08M | 30.01M | 25.82M | 25.88M | 36.50M | |||||||||||||
| Proceeds from Sale of Loans Held for SaleLHFS Sale Proceeds | 90.09M | 54.87M | 0.19M | 1.74M | 2.04M | 11.13M | 17.97M | 18.03M | 17.96M | 23.36M | 30.46M | 33.48M | 36.77M | 35.39M | 41.38M | 39.55M | 31.21M | 27.21M | 27.24M | 37.92M | |||||||||||||
| Change in Working Capital | |||||||||||||||||||||||||||||||||
| Change in Interest Receivables | 5.36M | ||||||||||||||||||||||||||||||||
| Change in Other Operating AssetsOther Assets Change | 5.69M | ||||||||||||||||||||||||||||||||
| Change in Other Operating LiabilitiesOther Liabilities Change | 22.58M | ||||||||||||||||||||||||||||||||
| Other Operating ActivitiesOther Operating | -7.89M | -7.02M | -1.30M | -1.29M | -1.42M | -2.65M | -3.24M | -3.35M | -3.44M | -2.60M | -3.11M | -1.46M | -2.44M | -2.10M | -1.98M | -1.87M | -1.49M | -1.69M | -1.66M | -1.62M | |||||||||||||
| Cash from Operations | 59.72M | 38.57M | 53.08M | 67.70M | 88.53M | 76.81M | 102.54M | 107.10M | 106.31M | 85.88M | 107.73M | 108.47M | 91.45M | 100.98M | 104.53M | 99.04M | 108.86M | 103.73M | 109.32M | 118.91M | |||||||||||||
| Investing Activities | |||||||||||||||||||||||||||||||||
| Capital Expenditures | 9.74M | ||||||||||||||||||||||||||||||||
| Proceeds from Sales of LoansLoan Sales | 245.02M | 2.21M | 0.71M | 1.33M | 1.04M | 0.61M | 1.11M | 1.30M | 1.39M | 0.85M | 0.60M | 51.65M | |||||||||||||||||||||
| Change in Intangibles | 7.97M | 10.64M | 12.94M | 13.24M | 12.07M | 11.74M | 6.99M | 6.45M | 6.08M | 3.10M | 5.25M | 4.78M | 6.06M | 5.58M | 6.43M | 6.12M | 6.20M | 6.51M | 6.26M | 5.74M | |||||||||||||
| Other Investing ActivitiesOther Investing | -550.34M | -356.87M | -504.80M | -265.32M | -244.93M | -28.95M | -58.00M | -80.00M | -92.03M | 38.17M | -59.03M | -106.11M | -102.02M | -49.94M | -45.91M | -66.51M | -183.03M | 14.49M | -43.86M | -120.17M | |||||||||||||
| Cash from Investing Activities | -568.05M | -122.50M | -515.53M | -277.85M | -255.67M | -39.65M | -64.37M | -85.35M | -96.81M | 36.46M | -63.44M | -110.28M | -56.43M | -55.52M | -52.34M | -72.63M | -189.23M | 7.98M | -50.12M | -125.91M | |||||||||||||
| Financing Activities | |||||||||||||||||||||||||||||||||
| Debt Issuance and Repayment | |||||||||||||||||||||||||||||||||
| Long-Term Debt Issuances | 1,008.34M | 699.00M | 1,036.98M | 918.83M | 579.25M | 87.90M | 83.40M | 13.80M | 60.60M | 89.94M | 188.33M | 463.80M | 325.44M | 265.09M | 210.52M | 237.06M | 76.70M | 91.20M | 145.07M | ||||||||||||||
| Long-Term Debt Repayments | 529.00M | 630.40M | 610.70M | 563.21M | 478.37M | 138.98M | 194.56M | 252.81M | 396.01M | 323.52M | 126.62M | 447.27M | 367.80M | 640.42M | 628.02M | 649.72M | 289.04M | 135.00M | 57.59M | 45.06M | |||||||||||||
| Net Long-Term Debt Issued (Repaid)Net LT Debt | 479.34M | 68.61M | 426.29M | 355.62M | 100.88M | -51.08M | -111.16M | -239.01M | -335.41M | -323.52M | -36.68M | -258.95M | 96.00M | -314.98M | -362.93M | -439.20M | -51.97M | -58.30M | 33.61M | 100.01M | |||||||||||||
| Net Debt Issuances and Repayments | 479.34M | 68.61M | 426.29M | 355.62M | 100.88M | -51.08M | -111.16M | -239.01M | -335.41M | -323.52M | -36.68M | -258.95M | 96.00M | -314.98M | -362.93M | -439.20M | -51.97M | -58.30M | 33.61M | 100.01M | |||||||||||||
| Change in Capital Stock | |||||||||||||||||||||||||||||||||
| Common Stock IssuedStock Issued | 6.63M | ||||||||||||||||||||||||||||||||
| Net Shares Issued and Repurchased | 6.63M | ||||||||||||||||||||||||||||||||
| Net Equity Issued and Repurchased | 6.63M | ||||||||||||||||||||||||||||||||
| Other Financing ActivitiesOther Financing | -1.81M | -7.08M | -0.54M | -7.11M | -2.13M | 5.39M | 73.41M | 214.57M | 332.28M | 191.71M | 32.48M | 252.67M | -144.93M | 285.87M | 307.99M | 408.52M | 107.32M | -42.49M | -90.23M | -47.08M | |||||||||||||
| Cash from Financing Activities | 477.53M | 61.53M | 425.75M | 348.50M | 98.75M | -39.06M | -37.76M | -24.44M | -3.13M | -131.81M | -4.21M | -6.28M | -48.93M | -29.11M | -54.94M | -30.68M | 55.35M | -100.79M | -56.62M | 52.93M | |||||||||||||
| Misc. | |||||||||||||||||||||||||||||||||
| Change in Cash | -30.80M | -22.40M | -36.70M | 138.35M | -68.39M | -1.90M | 0.41M | -2.69M | 6.37M | -9.46M | 40.08M | -8.10M | -13.91M | 16.35M | -2.75M | -4.27M | -25.02M | 10.92M | 2.58M | 45.93M | |||||||||||||
| Ending Cash Balance | 192.96M | 170.56M | 133.86M | 272.21M | 203.82M | 201.92M | 202.34M | 199.65M | 206.02M | 196.55M | 236.64M | 228.54M | 214.63M | 230.97M | 228.22M | 223.96M | 198.93M | 209.85M | 212.43M | 258.36M | |||||||||||||
| Net Cash Flow | -30.80M | -22.40M | -36.70M | 138.35M | -68.39M | -1.90M | 0.41M | -2.69M | 6.37M | -9.46M | 40.08M | -8.10M | -13.91M | 16.35M | -2.75M | -4.27M | -25.02M | 10.92M | 2.58M | 45.93M | |||||||||||||
| Free Cash Flow | 49.98M | 38.57M | 53.08M | 67.70M | 88.53M | 76.81M | 102.54M | 107.10M | 106.31M | 85.88M | 107.73M | 108.47M | 91.45M | 100.98M | 104.53M | 99.04M | 108.86M | 103.73M | 109.32M | 118.91M | |||||||||||||
| Supplemental | |||||||||||||||||||||||||||||||||
| Interest Paid | 10.25M | 13.82M | 13.22M | 24.48M | 34.27M | 37.46M | 39.99M | 49.27M | 57.25M | 56.66M | 50.28M | 53.55M | 53.48M | 50.45M | 49.92M | 47.24M | 47.12M | 44.95M | 46.93M | 41.28M | |||||||||||||
| Income Taxes PaidTaxes Paid | 1.84M | 0.33M | -3.71M | -0.57M | 0.49M | 0.31M | 0.86M | 0.25M | -3.28M | -0.68M | 1.51M | -0.27M | 0.49M | 0.32M | 1.08M | 0.39M | 1.07M | 0.51M | 1.13M | 4.75M |
Pull Oportun Financial's standardized financial statements into your own models, spreadsheets and apps with the Business Quant Financial Statements API. The request below follows the statement, frequency and period selected above. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/statements?ticker=OPRT&statement=CF&frequency=Quarter&period=all&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/statements"
params = {"ticker": "OPRT", "statement": "CF", "frequency": "Quarter", "period": "all", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/statements?ticker=OPRT&statement=CF&frequency=Quarter&period=all&api_key=YOUR_API_KEY");
const data = await res.json();