For the quarter ending 2025-09-30, OPRT had -$4,266K decrease in cash & cash equivalents over the period.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income (loss) | 5,198 | 16,644 |
| Depreciation and amortization | 10,160 | 21,783 |
| Fair value adjustment, net | -77,018 | -142,929 |
| Origination fees for loans receivable at fair value, net | 8,387 | 20,930 |
| Gain on loan sales | 1,468 | 2,979 |
| Stock-based compensation expense | 2,488 | 5,539 |
| Other, net | -17,391 | -23,380 |
| Originations of loans sold and held for sale | 38,084 | 72,249 |
| Proceeds from sale of loans | 39,552 | 76,768 |
| Changes in operating assets and liabilities | 4,827 | -14,620 |
| Net cash provided by operating activities | 99,041 | 205,505 |
| Originations and purchases of loans held for investment | 422,340 | 772,912 |
| Proceeds from loan sales originated as held for investment | 0 | 0 |
| Repayments of loan principal | 355,961 | 677,443 |
| Capitalization of system development costs | 6,117 | 12,011 |
| Other, net | 134 | 382 |
| Net cash used in investing activities | -72,630 | -107,862 |
| Borrowings under secured financing | 210,520 | 590,529 |
| Repayments of secured financing | 380,050 | 794,396 |
| Repayments of asset-backed notes at fair value | 269,670 | 474,041 |
| Borrowings under asset-backed borrowings at amortized cost | 535,727 | 857,279 |
| Repayments of asset-backed borrowings at amortized cost | 107,206 | 248,050 |
| Repayments of acquisition and corporate financing | 20,000 | 13,759 |
| Payments of deferred financing costs | 0 | 1,207 |
| Net payments related to stock-based activities | 2 | -401 |
| Net cash used in financing activities | -30,677 | -84,046 |
| Net increase in cash and cash equivalents and restricted cash | -4,266 | 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)