For the quarter ending 2026-03-31, OPRT had $10,920K increase in cash & cash equivalents over the period.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 2,345 | 3,404 | 5,198 | 16,644 |
| Depreciation and amortization | 9,000 | 9,469 | 10,160 | 21,783 |
| Fair value adjustment, net | -85,894 | -99,398 | -77,018 | -142,929 |
| Origination fees for loans receivable at fair value, net | 258 | 8,275 | 8,387 | 20,930 |
| Gain on loan sales | 1,394 | 1,193 | 1,468 | 2,979 |
| Stock-based compensation expense | 4,143 | 2,659 | 2,488 | 5,539 |
| Other, net | -7,482 | -14,295 | -17,391 | -23,380 |
| Originations of loans sold and held for sale | 25,819 | 30,014 | 38,084 | 72,249 |
| Proceeds from sale of loans | 27,213 | 31,207 | 39,552 | 76,768 |
| Changes in operating assets and liabilities | 4,877 | 12,087 | 4,827 | -14,620 |
| Net cash provided by operating activities | 103,729 | 108,863 | 99,041 | 205,505 |
| Originations and purchases of loans held for investment | 318,127 | 567,514 | 422,340 | 772,912 |
| Proceeds from loan sales originated as held for investment | - | 0 | 0 | 0 |
| Repayments of loan principal | 332,772 | 384,938 | 355,961 | 677,443 |
| Capitalization of system development costs | 6,510 | 6,202 | 6,117 | 12,011 |
| Other, net | 153 | 455 | 134 | 382 |
| Net cash provided by (used in) investing activities | 7,982 | -189,233 | -72,630 | -107,862 |
| Borrowings under secured financing | 76,700 | 237,063 | 210,520 | 590,529 |
| Borrowings under acquisition and corporate financing | - | 0 | - | - |
| Repayments of secured financing | 64,113 | 198,036 | 380,050 | 794,396 |
| Repayments of acquisition and corporate financing | - | 37,500 | 20,000 | 13,759 |
| Repayments of asset-backed notes at fair value | 70,890 | 91,000 | 269,670 | 474,041 |
| Borrowings under asset-backed borrowings at amortized cost | 482,239 | 438,796 | 535,727 | 857,279 |
| Repayments of asset-backed borrowings at amortized cost | 524,228 | 291,928 | 107,206 | 248,050 |
| Repayments of corporate financing | 0 | - | - | - |
| Payments of deferred financing costs | 34 | 2,046 | 0 | 1,207 |
| Net payments related to stock-based activities | -465 | -1 | 2 | -401 |
| Net cash used in financing activities | -100,791 | 55,348 | -30,677 | -84,046 |
| Net increase in cash and cash equivalents and restricted cash | 10,920 | -25,022 | -4,266 | 13,597 |
| Cash and cash equivalents and restricted cash, beginning of period | 198,934 | 223,956 | 214,625 | - |
| Cash and cash equivalents and restricted cash, end of period | 209,854 | 198,934 | 223,956 | - |
Oportun Financial Corp (OPRT)
Oportun Financial Corp (OPRT)