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Oportun Financial Corporation OPRT Q4 2025 Annual earnings

Reported February 26, 2026 · After market close

Revenue$247.7MBeat by $4.6M
EPS$0.27Beat by $0.01
Revenue estimate$243.1M
EPS estimate$0.26

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$90.4M-3.2%
Net income$3.4M—
EPS (diluted)$0.07—

Balance sheet

See full
Cash & equivalents$198.9M-7.3%
Total debt$12.2M-37.3%
Total equity$390.1M+10.3%
Total assets$3.3B+1.0%

Cash flow

See full
Operating cash flow$108.9M+19.0%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$233.44M+67.2%
Enterprise value$46.69M+184%
P/E9.2×—
P/S0.6×+0.1×

Profitability

See full
Net margin6.2%—

Returns & leverage

See full
Return on equity6.8%—
Debt / equity0×0.0×

Versus estimates

Revenue

Q1 2026$228.8MBeat by $219.5K
Q4 2025$247.7MBeat by $4.6M
Q3 2025$161.7MMiss by $81.8MQ2 2025$164.1MMiss by $74.4MQ1 2025$235.9MBeat by $7.2MQ4 2024$250.9MBeat by $2.9M

Diluted EPS

Q1 2026$0.21In line
Q4 2025$0.27Beat by $0.01
Q3 2025$0.39Beat by $0.13Q2 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 Q4 2025 earnings?
Oportun Financial Corporation (OPRT) reported Q4 2025 earnings on February 26, 2026 after market close.
What were Oportun Financial Corporation's Q4 2025 revenue and EPS?
Oportun Financial Corporation reported revenue of $247.7M and eps of $0.27 for Q4 2025.
Did Oportun Financial Corporation beat estimates in Q4 2025?
Revenue beat the consensus estimate of $243.1M by $4.6M. EPS beat the consensus estimate of $0.26 by $0.01.
How did Oportun Financial Corporation's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 1.3% from $250.9M a year earlier and eps declined 44.9% from $0.49.
Where can I find Oportun Financial Corporation's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001538716-26-000010) and the 10-K periodic report (0001538716-26-000015) directly on SEC EDGAR. The filing index links above go to sec.gov.