| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 21,842 | 16,644 |
| Depreciation and amortization | 31,943 | 21,783 |
| Fair value adjustment, net | -219,947 | -142,929 |
| Origination fees for loans receivable at fair value, net | 29,317 | 20,930 |
| Gain on loan sales | 4,447 | 2,979 |
| Stock-based compensation expense | 8,027 | 5,539 |
| Other, net | -40,771 | -23,380 |
| Originations of loans sold and held for sale | 110,333 | 72,249 |
| Proceeds from sale of loans | 116,320 | 76,768 |
| Changes in operating assets and liabilities | -9,793 | -14,620 |
| Net cash provided by operating activities | 304,546 | 205,505 |
| Originations and purchases of loans held for investment | 1,195,252 | 772,912 |
| Proceeds from loan sales originated as held for investment | 0 | 0 |
| Repayments of loan principal | 1,033,404 | 677,443 |
| Capitalization of system development costs | 18,128 | 12,011 |
| Other, net | 516 | 382 |
| Net cash used in investing activities | -180,492 | -107,862 |
| Borrowings under secured financing | 801,049 | 590,529 |
| Repayments of secured financing | 1,174,446 | 794,396 |
| Repayments of asset-backed notes at fair value | 743,711 | 474,041 |
| Borrowings under asset-backed borrowings at amortized cost | 1,393,006 | 857,279 |
| Repayments of asset-backed borrowings at amortized cost | 355,256 | 248,050 |
| Repayments of acquisition and corporate financing | 33,759 | 13,759 |
| Payments of deferred financing costs | 1,207 | 1,207 |
| Net payments related to stock-based activities | -399 | -401 |
| Net cash used in financing activities | -114,723 | -84,046 |
| Net increase in cash and cash equivalents and restricted cash | 9,331 | 13,597 |
| Cash and cash equivalents at beginning of period | 214,625 | - |
| Cash and cash equivalents at end of period | 223,956 | - |
Oportun Financial Corp (OPRT)
Oportun Financial Corp (OPRT)