# OPORTUN FINANCIAL CORPORATION (OPRT) · Edgar & Edgarette company card

> Oportun Financial (OPRT) saw revenue fall 4.5% in FY2025 to $957 million, equity 12.0% of assets. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 1538716 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/OPRT) · [JSON](https://www.pops4.com/boards/company/OPRT.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $957M |
| Revenue growth, 1 year | -4.5% |
| Revenue growth per year | 11.2% |
| Operating margin | — |
| Net margin | 2.6% |
| Operating cash flow | $413M |
| Capital spending | — |
| Free cash flow | — |
| Cash | $106M |
| Long-term debt | — |
| Total assets | $3.3B |
| Total equity | $390M |
| Equity ÷ assets | 12.0% |
| Return on equity | 6.5% |
| Dividend per share | — |
| Dividend years rising | — |

## Readings, computed from those figures

- Piotroski F: 5 of 9 (middling)
- Health Harbor boat: Weathered boat · two warning signs · slow and jumpy: growing slower than its size class, with revenue that swings more; revenue is hard to predict: its 80% range is ±27%
- Cash Compass: In between · no clear cash pattern yet

## Edgarette's reading

Exposure: revenue $956.7M (FY2025). Experience: revenue down 4.5% on the year, up 11.2% a year over 4 years. Soundness: equity 12.0% of assets, return on equity 6.5%. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $693.7M and $1.2B next year (method v4.1: its own 4-year record of growth weighed at 50% against $100M–1B filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $601.5M to $1.4B. A statistical range, not company guidance. Against peers (36 filers, $50M+ revenue, finance services): growth -4.5% against 16.8%.

Range logged 2026-09-25, receipt 3e4bf307e86fc6d7, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 7, latest 2026-09-11 ([filing](https://www.sec.gov/Archives/edgar/data/1538716/000153871626000101/0001538716-26-000101-index.htm))

## Recent filings

- 10-Q · filed 2026-11-04 · [filing](https://www.sec.gov/Archives/edgar/data/1538716/000153871626000119/0001538716-26-000119-index.htm)
- 8-K · filed 2026-11-03 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1538716/000153871626000116/0001538716-26-000116-index.htm)
- 8-K · filed 2026-09-11 · 5.02 Departure or Election of Directors; Appointment of Officers; 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1538716/000153871626000101/0001538716-26-000101-index.htm)
- 8-K · filed 2026-08-25 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1538716/000153871626000096/0001538716-26-000096-index.htm)
- 8-K · filed 2026-08-14 · 5.02 Departure or Election of Directors; Appointment of Officers; 5.07 Submission of Matters to a Vote of Security Holders; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/1538716/000153871626000084/0001538716-26-000084-index.htm)
- 10-Q · filed 2026-08-06 · [filing](https://www.sec.gov/Archives/edgar/data/1538716/000153871626000067/0001538716-26-000067-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0001538716.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1538716

## Cite

POPS4, Edgar & Edgarette: OPORTUN FINANCIAL CORPORATION (OPRT) company card, from the company's own SEC filings, accessed 2026-11-04, https://www.pops4.com/boards/company/OPRT. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.