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Cash Flow
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Balance Sheet
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Cash Flow Overview
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
Repayments of loan principal
Borrowings under secured financi...
Fair value adjustment, net
Others
Negative Cash Flow Breakdown
Originations and purchases of lo...
Repayments of asset-backed borro...
Repayments of asset-backed notes...
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
8,536
2,345
3,404
5,198
Depreciation and amortization
8,823
9,000
9,469
10,160
Fair value adjustment, net
-85,663
-85,894
-99,398
-77,018
Origination fees for loans receivable at fair value, net
7,100
258
8,275
8,387
Gain on loan sales
1,359
1,394
1,193
1,468
Stock-based compensation expense
2,939
4,143
2,659
2,488
Other, net
-3,733
-7,482
-14,295
-17,391
Originations of loans sold and held for sale
25,884
25,819
30,014
38,084
Proceeds from sale of loans
27,243
27,213
31,207
39,552
Changes in operating assets and liabilities
-6,721
4,877
12,087
4,827
Net cash provided by operating activities
109,315
103,729
108,863
99,041
Originations and purchases of loans held for investment
366,725
318,127
567,514
422,340
Proceeds from loan sales originated as held for investment
-
-
0
0
Repayments of loan principal
323,021
332,772
384,938
355,961
Capitalization of system development costs
6,263
6,510
6,202
6,117
Other, net
156
153
455
134
Net cash used in investing activities
-50,123
7,982
-189,233
-72,630
Borrowings under secured financing
91,200
76,700
237,063
210,520
Repayments of secured financing
0
64,113
198,036
380,050
Repayments of asset-backed notes at fair value
57,590
70,890
91,000
269,670
Borrowings under asset-backed borrowings at amortized cost
321
482,239
438,796
535,727
Repayments of asset-backed borrowings at amortized cost
59,752
524,228
291,928
107,206
Borrowings under acquisition and corporate financing
-
-
0
-
Repayments of acquisition and corporate financing
-
-
37,500
20,000
Repayments of corporate financing
30,000
0
-
-
Payments of deferred financing costs
0
34
2,046
0
Net payments related to stock-based activities
-796
-465
-1
2
Net cash used in financing activities
-56,617
-100,791
55,348
-30,677
Net increase in cash and cash equivalents and restricted cash
2,575
10,920
-25,022
-4,266
Cash and cash equivalents and restricted cash, beginning of period
209,854
198,934
223,956
214,625
Cash and cash equivalents and restricted cash, end of period
212,429
-
-
-
Cash and cash equivalents
139,590
-
-
-
Restricted cash
72,839
-
-
-
Total cash and cash equivalents and restricted cash
212,429
209,854
198,934
223,956
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Cash Flow
Fair value
adjustment, net
-$85,663K
(40.07%↑ Y/Y)
Proceeds from sale of
loans
$27,243K
(-64.51%↓ Y/Y)
Depreciation and
amortization
$8,823K
(-59.50%↓ Y/Y)
Net income
$8,536K
(-48.71%↓ Y/Y)
Changes in operating
assets and liabilities
-$6,721K
(54.03%↑ Y/Y)
Other, net
-$3,733K
(84.03%↑ Y/Y)
Stock-based compensation
expense
$2,939K
(-46.94%↓ Y/Y)
Net cash provided by
operating activities
$109,315K
(-46.81%↓ Y/Y)
Canceled cashflow
$34,343K
Net increase in cash
and cash...
$2,575K
(-81.06%↓ Y/Y)
Canceled cashflow
$106,740K
Originations of loans sold and
held for sale
$25,884K
(-64.17%↓ Y/Y)
Origination fees for loans
receivable at fair value,...
$7,100K
(-66.08%↓ Y/Y)
Gain on loan sales
$1,359K
(-54.38%↓ Y/Y)
Borrowings under secured
financing
$91,200K
(-84.56%↓ Y/Y)
Borrowings under
asset-backed borrowings at...
$321K
(-99.96%↓ Y/Y)
Repayments of loan
principal
$323,021K
(-52.32%↓ Y/Y)
Net cash used in
financing activities
-$56,617K
(32.64%↑ Y/Y)
Net cash used in
investing activities
-$50,123K
(53.53%↑ Y/Y)
Canceled cashflow
$91,521K
Canceled cashflow
$323,021K
Repayments of asset-backed
borrowings at amortized...
$59,752K
(-75.91%↓ Y/Y)
Originations and purchases of
loans held for...
$366,725K
(-52.55%↓ Y/Y)
Repayments of asset-backed
notes at fair value
$57,590K
(-87.85%↓ Y/Y)
Repayments of corporate
financing
$30,000K
Net payments
related to stock-based...
-$796K
(-98.50%↓ Y/Y)
Capitalization of system
development costs
$6,263K
(-47.86%↓ Y/Y)
Other, net
$156K
(-59.16%↓ Y/Y)
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Oportun Financial Corp (OPRT)
Oportun Financial Corp (OPRT)