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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

Aug 5, 2026 (In 1 week)
Revenue estimate$230.7M
EPS estimate$0.33

Financials

Q3 2025

Income statement

See full
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
See full
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×

Versus estimates

Revenue

Q1 2026$228.8MBeat by $219.5KQ4 2025$247.7MBeat by $4.6M
Q3 2025$161.7MMiss by $81.8M
Q2 2025$164.1MMiss by $74.4MQ1 2025$235.9MBeat by $7.2MQ4 2024$250.9MBeat by $2.9M

Diluted EPS

Q1 2026$0.21In lineQ4 2025$0.27Beat by $0.01
Q3 2025$0.39Beat by $0.13
Q2 2025$0.31Beat by $0.09Q1 2025$0.40Beat by $0.31Q4 2024$0.49Beat by $0.37

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Questions, answered.

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.