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Oportun Financial Corporation OPRT Q3 2025 earnings

Reported November 4, 2025 · After market close

Revenue$161.7MMiss by $81.8M
EPS$0.39Beat by $0.13
Revenue estimate$243.5M
EPS estimate$0.26

Next report

Nov 3, 2026 (in 2 months)
Revenue estimate$237.9M
EPS estimate$0.43

Financials

Q3 2025

Income statement

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Revenue$105.1M+67.8%
Net income$5.2M+117%
EPS (diluted)$0.11+115%

Balance sheet

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Cash & equivalents$224.0M-2.0%
Total debt$14.1M-32.9%
Total equity$383.9M+17.2%
Total assets$3.2B-2.0%

Cash flow

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Operating cash flow$99.0M-8.7%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$271.54M+143%
Enterprise value$61.71M+165%
P/S0.7×+0.3×

Returns & leverage

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Debt / equity0×0.0×

FAQ

When did Oportun Financial Corporation report Q3 2025 earnings?
Oportun Financial Corporation (OPRT) reported Q3 2025 earnings on November 4, 2025 after market close.
What were Oportun Financial Corporation's Q3 2025 revenue and EPS?
Oportun Financial Corporation reported revenue of $161.7M and eps of $0.39 for Q3 2025.
Did Oportun Financial Corporation beat estimates in Q3 2025?
Revenue missed the consensus estimate of $243.5M by $81.8M. EPS beat the consensus estimate of $0.26 by $0.13.
How did Oportun Financial Corporation's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 35.3% from $250.0M a year earlier and eps grew 1850.0% from $0.02.
Where can I find Oportun Financial Corporation's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001538716-25-000102) and the 10-Q periodic report (0001538716-25-000105) directly on SEC EDGAR. The filing index links above go to sec.gov.