Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $361M | $498M | $600M | $584M | $813K | $31.2M | $25.6M | $22.7M | $19.5M |
| Revenue growth | — | 37.9% | 20.6% | -2.7% | -99.9% | 3735.9% | -18.0% | -11.3% | -14.1% |
| Net income | -$10.2M | $123M | $61.6M | -$45.1M | $47.4M | -$77.7M | -$180M | -$78.7M | $25.2M |
| Net margin | -2.8% | 24.8% | 10.3% | -7.7% | 5832.0% | -249.3% | -703.8% | -347.1% | 129.7% |
| EPS (diluted) | -$4.22 | $4.47 | $0.40 | -$1.65 | $1.56 | -$2.37 | -$4.88 | -$1.95 | $0.53 |
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $139M | $138M | $218M | $153M | $163M | $248M | $393M | $394M | $413M |
| Capital expenditures | $8.55M | $14.6M | $8.88M | $4.83M | $12.3M | $6.00M | — | — | — |
| Free cash flow | $131M | $124M | $209M | $148M | $151M | $242M | — | — | — |
| Fiscal year | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $48.3M | $70.5M | $72.2M | $136M | $131M | $98.8M | $91.2M | $60.0M | $106M |
| Total assets | — | $1.74B | $2.20B | $2.01B | $2.95B | $3.61B | $3.41B | $3.23B | $3.26B |
| Total liabilities | — | $1.39B | $1.71B | $1.54B | $2.34B | $3.07B | $3.01B | $2.87B | $2.87B |
| Shareholders' equity | $217M | $347M | $489M | $467M | $604M | $548M | $404M | $354M | $390M |
| Retained earnings | — | $52.7M | $76.7M | $36.4M | $83.8M | $6.10M | -$174M | -$253M | -$227M |
| Shares (wtd avg diluted) | 2.42M | 3.72M | 10.8M | 27.3M | 30.3M | 32.8M | 36.9M | 40.4M | 47.9M |
Every figure is extracted from Oportun Financial Corp’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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