Oportun Financial Corp. (OPRT)
Nasdaq · Finance Services · Finance, insurance and real estate · CIK 1538716 · fiscal year ends in Dec
Closing price $9.88 on 30 Oct 2026; 52-week range $4.13 to $9.97.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $396.0M
- Revenue growth
- 8.1%
- Net income, last twelve months
- $19.5M
- Earnings per share
- $0.40
- Operating margin
- 10.1%
- Net margin
- 4.9%
- Return on equity
- 4.8%
- Market value
- $454.2M
- Price to earnings
- 24.7x
- Cash
- $139.6M
- Shares outstanding
- 46.0M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $405.8M | $44.1M | $25.2M | $0.53 | – | 10-K filed 27 Feb 2026 |
| FY2024 | 31 Dec 2024 | $295.2M | -$115.2M | -$78.7M | -$1.95 | – | 10-K filed 20 Feb 2025 |
| FY2023 | 31 Dec 2023 | $280.7M | -$253.7M | -$180.0M | -$4.88 | – | 10-K filed 15 Mar 2024 |
| FY2022 | 31 Dec 2022 | $640.7M | -$75.3M | -$77.7M | -$2.37 | $241.9M | 10-K filed 14 Mar 2023 |
| FY2021 | 31 Dec 2021 | $530.5M | – | $47.4M | $1.56 | $151.2M | 10-K filed 1 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $105.6M | $8.5M | $0.17 |
| Q1 FY2026 | 31 Mar 2026 | $94.9M | $2.3M | $0.05 |
| Q4 FY2025 | 31 Dec 2025 | $90.4M | $3.4M | $0.07 |
| Q3 FY2025 | 30 Sep 2025 | $105.0M | $5.2M | $0.11 |
| Q2 FY2025 | 30 Jun 2025 | $104.6M | $6.9M | $0.14 |
| Q1 FY2025 | 31 Mar 2025 | $105.8M | $9.8M | $0.21 |
| Q4 FY2024 | 31 Dec 2024 | $93.4M | $8.7M | $0.20 |
| Q3 FY2024 | 30 Sep 2024 | $62.6M | -$30.0M | -$0.75 |
Company events
The newest 8-K filings of 108 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 11 Sep 2026 | 8-K | Leadership change, Other events | 5.02, 8.01, 9.01 |
| 25 Aug 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 14 Aug 2026 | 8-K | Leadership change, Shareholder vote | 5.02, 5.07, 9.01 |
| 5 Aug 2026 | 8-K | Results | 2.02, 9.01 |
| 7 Jul 2026 | 8-K | Material agreement | 1.01 |
| 24 Jun 2026 | 8-K | Material agreement | 1.01, 9.01 |
| 18 Jun 2026 | 8-K | Leadership change, Other events | 5.02, 8.01, 9.01 |
| 7 May 2026 | 8-K | Results | 2.02, 9.01 |
| 17 Apr 2026 | 8-K | Leadership change, Other events | 5.02, 8.01, 9.01 |
| 2 Apr 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 26 Feb 2026 | 8-K | Results | 2.02, 9.01 |
| 10 Feb 2026 | 8-K | New debt, Other events | 2.03, 8.01, 9.01 |
Every filing
The newest filings with the SEC of 255 held.
| Filed | Form | Period |
|---|---|---|
| 11 Sep 2026 | 8-K | 5 Sep 2026 |
| 25 Aug 2026 | 8-K | 19 Aug 2026 |
| 14 Aug 2026 | 8-K | 11 Aug 2026 |
| 6 Aug 2026 | 10-Q | 30 Jun 2026 |
| 5 Aug 2026 | 8-K | 5 Aug 2026 |
| 7 Jul 2026 | 8-K | 30 Jun 2026 |
| 29 Jun 2026 | ARS | 31 Dec 2025 |
| 29 Jun 2026 | DEFA14A | – |
| 29 Jun 2026 | DEF 14A | 11 Aug 2026 |
| 24 Jun 2026 | 8-K | 22 Jun 2026 |
| 18 Jun 2026 | 8-K | 13 Jun 2026 |
| 5 Jun 2026 | S-8 | – |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 11 Sep 2026 | Schueller Joseph Andrew, SVP-Controller, CAO | Sale outside a trading plan | 28 | $7.80 | $218 | 71,121 | 14 Sep 2026 |
| 10 Sep 2026 | Schueller Joseph Andrew, SVP-Controller, CAO | Sale outside a trading plan | 2,831 | $7.80 | $22.1K | 71,149 | 14 Sep 2026 |
| 10 Sep 2026 | Layton Kathleen I., Chief Legal Officer | Sale outside a trading plan | 4,223 | $7.80 | $32.9K | 292,006 | 14 Sep 2026 |
| 10 Mar 2026 | Kirscht Patrick, Chief Credit Officer | Sale outside a trading plan | 12,099 | $4.90 | $59.3K | 481,818 | 12 Mar 2026 |
| 10 Mar 2026 | Kirscht Patrick, Chief Credit Officer | Sale outside a trading plan | 8,666 | $4.90 | $42.5K | 473,152 | 12 Mar 2026 |
| 10 Mar 2026 | Kirscht Patrick, Chief Credit Officer | Sale outside a trading plan | 14,172 | $4.90 | $69.4K | 458,980 | 12 Mar 2026 |
| 10 Mar 2026 | Kirscht Patrick, Chief Credit Officer | Sale outside a trading plan | 19,362 | $4.90 | $94.9K | 439,618 | 12 Mar 2026 |
| 10 Mar 2026 | Layton Kathleen I., Chief Legal Officer | Sale outside a trading plan | 1,398 | $4.90 | $6.8K | 243,829 | 12 Mar 2026 |
| 10 Mar 2026 | Layton Kathleen I., Chief Legal Officer | Sale outside a trading plan | 5,556 | $4.90 | $27.2K | 238,273 | 12 Mar 2026 |
| 10 Mar 2026 | Layton Kathleen I., Chief Legal Officer | Sale outside a trading plan | 12,401 | $4.90 | $60.8K | 225,872 | 12 Mar 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 10 Sep 2026 | Schueller Joseph Andrew, Officer | 2,831 | $22.1K | 10 Sep 2026 |
| 10 Sep 2026 | Layton Kathleen I., Officer | 4,223 | $32.9K | 10 Sep 2026 |
| 12 Aug 2026 | Kirscht Patrick, Officer | 25,000 | $187.7K | 12 Aug 2026 |
| 10 Mar 2026 | Layton Kathleen I., Officer | 19,355 | $94.7K | 10 Mar 2026 |
| 10 Mar 2026 | Kirscht Patrick, Officer | 54,299 | $265.8K | 10 Mar 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | McLaren Harbor, LLC | 13G amended | 0% | 0 |
| 23 Jul 2026 | Forager Capital Management, LLC | 13G amended | 9.8% | 4.5M |
| 13 Jul 2026 | Integrated Core Strategies (US) LLC | 13G amended | 2.1% | 946.0K |
| 21 Apr 2026 | Forager Capital Management, LLC | 13G amended | 7.9% | 3.5M |
| 27 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 18 Mar 2026 | Integrated Core Strategies (US) LLC | 13G | 5% | 2.2M |
| 30 Jan 2026 | The Vanguard Group | 13G | 5.12% | 2.3M |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 1.6M | -10.18% | 2.21 |
| 30 Sep 2026 | 1.8M | +49.64% | 2.18 |
| 15 Sep 2026 | 1.2M | +4.77% | 2.99 |
| 31 Aug 2026 | 1.1M | +4.03% | 4.08 |
| 14 Aug 2026 | 1.1M | -26.08% | 1.55 |
| 31 Jul 2026 | 1.5M | -3.77% | 3.8 |
| 15 Jul 2026 | 1.5M | +12.45% | 3 |
| 30 Jun 2026 | 1.4M | -0.03% | 2.24 |
Funds that hold it
From each fund's latest Form 13F.
146 funds held it at 30 Jun 2026: 83 added and 30 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| Forager Capital Management, LLC | 4,512,045 | $25.8M | +1,150,319 |
| Neuberger Berman Group LLC | 3,893,025 | $22.2M | +83,113 |
| BlackRock, Inc. | 3,370,232 | $19.2M | +292,572 |
| Findell Capital Management LLC | 2,798,300 | $16.0M | +50,000 |
| Vanguard Capital Management LLC | 1,742,023 | $9.9M | +113,545 |
| Dimensional Fund Advisors LP | 1,663,841 | $9.5M | +300,053 |
| Long Focus Capital Management, LLC | 1,515,777 | $8.7M | 0 |
| Goldman Sachs Group Inc. | 1,286,133 | $7.3M | +467,846 |
| Simcoe Capital LLC | 1,134,197 | $6.5M | +131,926 |
| Meros Investment Management, LP | 1,125,231 | $6.4M | +398,846 |
Peers
Companies in the same industry.
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