For the year ending 2025-12-31, OPRT had -$15,691K decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income (loss) | 25,246 |
| Depreciation and amortization | 41,412 |
| Fair value adjustment, net | -319,345 |
| Origination fees for loans receivable at fair value, net | 37,592 |
| Gain on loan sales | 5,640 |
| Stock-based compensation expense | 10,686 |
| Other, net | -55,066 |
| Originations of loans sold and held for sale | 140,347 |
| Proceeds from sale of loans | 147,527 |
| Changes in operating assets and liabilities | 2,294 |
| Net cash provided by operating activities | 413,409 |
| Originations and purchases of loans held for investment | 1,762,766 |
| Proceeds from loan sales originated as held for investment | 0 |
| Repayments of loan principal | 1,418,342 |
| Capitalization of system development costs | 24,330 |
| Other, net | 971 |
| Net cash used in investing activities | -369,725 |
| Borrowings under secured financing | 1,038,112 |
| Repayments of secured financing | 1,372,482 |
| Repayments of asset-backed notes at fair value | 834,711 |
| Borrowings under asset-backed borrowings at amortized cost | 1,831,802 |
| Repayments of asset-backed borrowings at amortized cost | 647,184 |
| Borrowings under acquisition and corporate financing | 0 |
| Repayments of acquisition and corporate financing | 71,259 |
| Payments of deferred financing costs | 3,253 |
| Net payments related to stock-based activities | -400 |
| Net cash used in financing activities | -59,375 |
| Net increase (decrease) in cash and cash equivalents and restricted cash | -15,691 |
| Cash and cash equivalents and restricted cash, beginning of period | 214,625 |
| Cash and cash equivalents and restricted cash, end of period | 198,934 |
Oportun Financial Corp (OPRT)
Oportun Financial Corp (OPRT)