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Oportun Financial Corporation OPRT Q4 2021 earnings

Reported August 5, 2026 · After market close

Revenue$233.2MBeat by $2.5M
EPS$0.42Beat by $0.09
Revenue estimate$230.7M
EPS estimate$0.33
“I'm pleased with our 2Q results. Disciplined execution, including a return to originations growth, a lower cost of capital and continued expense discipline, enabled us to deliver another quarter of GAAP profitability while outperforming the top end of our guidance ranges for both total revenue and Adjusted EBITDA. Our annualized net charge-off rate also outperformed our guidance range and our 30-plus day delinquency rate, our lowest since 4Q21, reinforces our confidence that credit performance will continue improving during the second half of the year.”
Doug Bland

Next report

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

Financials

Q4 2021

Income statement

See full
Revenue$160.5M+40.1%
Net income$14.2M—
EPS (diluted)$0.45—

Balance sheet

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Cash & equivalents$193.0M+14.5%
Total debt$162.7M+212%
Total equity$603.9M+29.4%
Total assets$2.9B+46.7%

Cash flow

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Operating cash flow$59.7M+344%
CapEx$9.7M+701%
Free cash flow$50.0M+308%

Valuation & ratios

Valuation

as of 06/30/26
See full
Market cap$575.17M+4.5%
Enterprise value$544.88M+25.6%
P/E12.1×—
P/S1.1×-0.6×

Profitability

See full
Net margin8.9%—
FCF margin28.5%-15.7pp

Returns & leverage

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Return on equity8.9%—
Debt / equity0.3×+0.2×

FAQ

When did Oportun Financial Corporation report Q4 2021 earnings?
Oportun Financial Corporation (OPRT) reported Q4 2021 earnings on August 5, 2026 after market close.
What were Oportun Financial Corporation's Q4 2021 revenue and EPS?
Oportun Financial Corporation reported revenue of $233.2M and eps of $0.42 for Q4 2021.
Did Oportun Financial Corporation beat estimates in Q4 2021?
Revenue beat the consensus estimate of $230.7M by $2.5M. EPS beat the consensus estimate of $0.33 by $0.09.
How did Oportun Financial Corporation's Q4 2021 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 42.1% from $164.1M a year earlier and eps grew 35.5% from $0.31.
Where can I find Oportun Financial Corporation's Q4 2021 SEC filings?
You can read the 8-K earnings release (0001538716-26-000065) and the 10-Q periodic report (0001538716-26-000067) directly on SEC EDGAR. The filing index links above go to sec.gov.