What are Oportun Financial Corporation's total assets?

Oportun Financial Corporation (OPRT) holds $3.2B in total assets, down 1.8% year over year.

How much debt does Oportun Financial Corporation have?

Oportun Financial Corporation carries $12.0M in total debt against $396.3M of shareholders' equity, a debt-to-equity ratio of 0.03.

How much cash does Oportun Financial Corporation have?

Oportun Financial Corporation holds $209.9M in cash and equivalents.

Where does Oportun Financial Corporation's balance sheet data come from?

Every line is extracted from Oportun Financial Corporation's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.

Oportun Financial Corporation OPRT Balance Sheet Statement

Income Statement Balance Sheet Cash Flow Ratios Segments

Quarterly Annual TTM

YoY QoQ

Simplified Detailed

	TTM Q1 '26	TTM Q4 '25	TTM Q3 '25	TTM Q2 '25	TTM Q1 '25
Cash and cash equivalents	$209.85M-9.1%	$198.93M-7.3%	$223.96M-2.0%	$228.22M-3.6%	$230.97M+17.5%
Restricted cash	$79.47M-47.9%	$93.41M-39.6%	$119.35M-23.8%	$131.41M-19.8%	$152.43M+19.7%
Prepaid expenses and other current assets	$11.69M-6.9%	$11.65M+0.2%	$10.01M-16.3%	$9.94M-27.6%	$12.56M-19.5%
Income taxes receivable	$2.99M-8.7%	$3.39M-9.2%	$3.56M-1.5%	$3.7M-14.2%	$3.27M-3.3%
Derivative assets	——	——	$11.31M-11.1%	$14.22M+24.4%	$14.2M+35.5%
Property and equipment, net	$1.95M-25.1%	$2.07M-30.3%	$1.98M-49.2%	$2.23M-54.6%	$2.6M-56.7%
Accumulated depreciation	$39.52M+3.5%	$39.28M+4.4%	$39.08M+1.4%	$38.65M+2.4%	$38.2M-9.2%
Operating lease right-of-use assets	5.8%+0.6%	5.7%-977,499,994%	5.6%+0.6%	5.4%+0.6%	5.2%+0.5%
Intangible assets, net	$13.79M-26.3%	$15M-24.7%	$16.24M-25.2%	$17.49M-26.0%	$18.71M-26.8%
Other non-current assets	$608K-49.3%	$757K-99.4%	$906K-39.2%	$1.05M-33.5%	$1.2M-98.9%
Total assets	$3.17B-1.8%	$3.26B+1.0%	$3.19B-2.0%	$3.2B-1.5%	$3.23B-1.6%
Accounts payable	$5.41M-20.2%	$6.27M-4.8%	$5.84M+29.2%	$5.99M-39.4%	$6.78M+3.8%
Accrued expenses	$7.31M+126%	$7.05M+91.1%	$3.26M+11.8%	$3.6M+10.3%	$3.23M+11.1%
Accrued compensation	$18.07M+64.5%	$23.17M+89.8%	$20.14M+147%	$18.38M+72.2%	$10.99M-7.3%
Operating lease liabilities, current	$11.97M-30.5%	$12.18M-37.3%	$14.13M-32.9%	$15.94M-31.1%	$17.22M-32.4%
Accrued interest	$10.84M-7.4%	$11.16M+1.2%	$12.7M+19.5%	$11.38M+12.5%	$11.71M+49.3%
Operating Lease Liabilities (Total)	$11.97M-30.5%	$12.18M-37.3%	$14.13M-32.9%	$15.94M-31.1%	$17.22M-32.4%
Other non-current liabilities	$53.6M-0.3%	$56.81M+11.7%	$58.52M-12.5%	$61.6M-9.0%	$53.79M-17.5%
Total liabilities	$2.77B-3.1%	$2.87B-0.2%	$2.8B-4.2%	$2.83B-2.5%	$2.86B-1.2%
Common stock	1B0.0%	1B+14,285,614%	1B0.0%	1B0.0%	1B0.0%
Additional paid-in capital	$627.52M+2.0%	$623.67M+1.8%	$620.84M+4.3%	$618.18M+4.5%	$615.17M+4.5%
Retained earnings	-$224.94M+7.3%	-$227.29M+10.0%	-$230.69M+11.7%	-$235.89M-2.0%	-$242.76M-21.2%
Treasury stock	$6.31M0.0%	$6.31M0.0%	$6.31M0.0%	$6.31M0.0%	$6.31M0.0%
Total stockholders' equity	$396.28M+8.2%	$390.08M+10.3%	$383.85M+17.2%	$375.99M+6.2%	$366.1M-4.2%
Total liabilities and stockholders' equity	$3.17B-1.8%	$3.26B+1.0%	$3.19B-2.0%	$3.2B-1.5%	$3.23B-1.6%
Operating Lease Income - 2022 (Lessor)	$153K-74.7%	$604K—	$604K—	$604K—	$604K—
Operating Lease Income - 2025 (Lessor)	$153K-74.7%	$0—	$604K—	$604K—	$604K—
Operating Lease Receivables (Current)	$608K-49.3%	$757K—	$906K—	$1.05M—	$1.2M—
Accumulated Amortization on Capitalized Software	$196.45M+19.4%	$188.93M+21.7%	$182.05M+20.6%	$173.55M+23.8%	$164.57M+26.6%
Capitalized Computer Software, Net	$55.63M-11.9%	$56.7M-14.9%	$58.59M-16.7%	$60.79M-20.1%	$63.17M-21.8%
Finite-Lived Intangible Assets - Expected Amortization Expense (Year One)	——	——	——	——	——
Finite-Lived Intangible Assets - Expected Amortization Expense (Year Five)	——	——	——	——	——
Net Investment in Lease	$608K-49.3%	$757K-43.6%	$906K-39.2%	$1.05M-33.5%	$1.2M-93.7%
Capitalized software licenses	$55.63M-11.9%	$56.7M-14.9%	$58.59M-16.7%	$60.79M-20.1%	$63.17M-21.8%
Capitalized software and other intangibles, net	$69.41M-15.2%	$71.7M-17.2%	$74.83M-18.7%	$78.28M-21.5%	$81.88M-23.0%
Deferred tax assets	$67.49M-15.9%	$68.11M-17.4%	$69.47M-15.1%	$77.79M+8.6%	$80.23M+51.7%
Intangible assets — net	$13.79M-26.3%	$15M-24.7%	$16.24M-25.2%	$17.49M-26.0%	$18.71M-26.8%
Loans receivable at fair value	——	——	——	——	——
Operating lease right-of-use assets	$10.49M+12.5%	$9.44M-3.4%	$9.62M-0.5%	$9.72M-2.3%	$9.32M-50.7%
Other Assets	$105.95M-20.7%	$103.69M-24.6%	$118.11M-15.6%	$129.4M-3.4%	$133.64M+17.1%
Property, plant and equipment at cost	$41.47M+1.6%	$41.36M+1.8%	$41.05M-3.3%	$40.89M-4.2%	$40.8M-15.1%
Operating Lease Income - 2026 (Lessor)	$0-100%	$0—	$153K—	$153K—	$153K—
Operating Lease Income - 2027 (Lessor)	$0—	$0—	$0—	$0—	$0—
Operating Lease Income - 2028 (Lessor)	——	——	——	——	——
Operating Lease Income - 2029 (Lessor)	——	——	——	——	——
Operating Lease Right-of-Use Assets in Other Assets	$10.49M+12.5%	$9.44M-3.4%	$9.62M-0.5%	$9.72M-2.3%	$9.32M-50.7%
Software and Technology Licenses, Net	$55.63M-11.9%	$56.7M-14.9%	$58.59M-16.7%	$60.79M-20.1%	$63.17M-21.8%
Warehouse lines of credit (which fund loans that U.S. Government Sponsored Enterprises have committed to purchase)	$212.47M-52.3%	$199.38M-62.8%	$161.95M+29.2%	$331.08M+112%	$445.5M+518%
Lease Liability Payments - 2020 (Remaining Three Months)	——	——	——	——	——
Lease Liability Payments - 2021	$153K-74.7%	$604K—	$604K—	$604K—	$604K—
Operating Lease Liability Payments - 2024 (Lessee)	$2.49M-3.1%	$3.55M-37.3%	$3.33M-37.4%	$3.04M-40.2%	$2.57M-46.7%
Operating Lease Liability Payments - 2025 (Lessee)	$774K+49.1%	$903K-10.3%	$769K-3.4%	$634K+11.8%	$519K-4.4%
Lease Liability Payments - Due Year Two	$2.49M-3.1%	$3.55M-37.3%	$3.33M-37.4%	$3.04M-40.2%	$2.57M-46.7%
Lease Liability Payments - Due Year Three	$1.33M+19.5%	$1.98M-18.7%	$1.71M-18.7%	$1.43M-23.5%	$1.12M-37.0%
Lease Liability Payments - Due Year Four	$774K+49.1%	$903K-10.3%	$769K-3.4%	$634K+11.8%	$519K-4.4%
Lease Liability Payments - Remainder of Fiscal Year	$4.06M-30.1%	$6.68M-42.2%	$6.5M-42.6%	$6.3M-43.6%	$5.81M-46.7%
Operating Lease Liability Payments Due	$13.46M-28.6%	$13.54M-36.2%	$15.58M-32.3%	$17.5M-30.0%	$18.84M-31.4%
Operating Lease Liability - Undiscounted Excess Amount	$1.49M-7.9%	$1.36M-24.3%	$1.45M-25.4%	$1.56M-17.2%	$1.62M-18.4%
Operating Lease Liability Payments - 2026 (Lessee)	$1.33M+19.5%	$1.98M-18.7%	$1.71M-18.7%	$1.43M-23.5%	$1.12M-37.0%
Operating Lease Liability Payments - 2027 (Lessee)	$367K+93.2%	$382K-8.0%	$309K+25.1%	$227K+70.7%	$190K+68.1%
Operating Lease Liability Payments - 2028 (Lessee)	$774K+49.1%	$903K-10.3%	$769K-3.4%	$634K+11.8%	$519K-4.4%
Operating Lease Liability Payments - 2029 (Lessee)	$367K+93.2%	$382K-8.0%	$309K+25.1%	$227K+70.7%	$190K+68.1%
Lease Liability Payments - Due After Year Five	$0—	$48K-64.2%	$0—	$0—	$0—
Operating Lease Liability Payments - Thereafter (Lessee)	$0—	$48K-64.2%	$0—	$0—	$0—
Accrued expenses and other liabilities	$7.31M-39.5%	$7.05M-43.3%	$11.12M-53.7%	$13.21M-35.6%	$12.09M-51.4%
Corporate financing	$145.05M—	$143.66M—	$175.7M—	——	——
Asset-backed borrowings at amortized cost	$2.15B—	——	——	——	——
Lease liabilities	$11.39M-29.4%	$11.47M-37.0%	$13.29M-32.7%	$14.97M-31.1%	$16.12M-36.7%
Asset-backed notes at fair value	$194.34M-77.5%	$263.8M-75.6%	$352.8M-74.6%	$617.9M-61.0%	$863.86M-49.2%
Secured Debt	$197.4M-77.5%	$268.29M-75.7%	$359.29M-74.7%	$628.96M-61.8%	$878.29M-50.4%
Total debt	$11.97M-30.5%	$12.18M-37.3%	$14.13M-32.9%	$15.94M-31.1%	$17.22M-32.4%
Common Stock Par Value Per Share	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%	$0.000.0%
Common Stock Shares Issued	45.9M+21.4%	44.7M+22.9%	44.4M+22.4%	44.3M+23.0%	37.8M+5.3%
Convertible Preferred Stock Authorized Shares	100M0.0%	100M0.0%	100M0.0%	100M0.0%	100M0.0%
Convertible Preferred Stock Issued Shares	0—	0—	0—	0—	0—
Convertible Preferred Stock Outstanding Shares	0—	0—	0—	0—	0—
Additional paid-in capital	$627.52M+2.0%	$623.67M+1.8%	$620.84M+4.3%	$618.18M+4.5%	$615.17M+4.5%
Common stock; $0.001 par value; 6,000 shares authorized; 3,755 and 3,751 shares issued and outstanding as of March 31, 2026 and December 31, 2025, respectively	$8K+14.3%	$8K+14.3%	$8K+14.3%	$8K+14.3%	$7K0.0%
Warrants and Rights Outstanding	2.7M—	——	——	——	——
Cumulative Cost Basis	$41.47M+1.6%	$41.36M+1.8%	$41.05M-3.3%	$40.89M-4.2%	$40.8M-15.1%
Line of Credit Maximum Borrowing Capacity	——	——	——	——	——
Operating Lease Income - 2023 (Lessor)	$0—	$0—	$0—	$0—	$0—
Operating Lease Income - 2024 (Lessor)	$0—	$0—	$0—	$0—	$0—
Class Of Warrant Or Right Exercise Price Of Warrants Or Rights1	$0.01—	$0.01—	$0.01—	——	——
Class Of Warrant Or Right Number Of Securities Called By Each Warrant Or Right	——	——	——	——	——
Class of Warrant or Right, Outstanding	$2.68M—	——	——	——	——
Common stock, par value (in dollars per share)	$00.0%	$00.0%	$00.0%	$00.0%	$00.0%
Common stock, shares authorized (in shares)	$1B0.0%	$1B0.0%	$1B0.0%	$1B0.0%	$1B0.0%
Common stock, shares issued (in shares)	$45.87M+21.4%	$44.71M+22.9%	$44.36M+22.4%	$44.28M+23.0%	$37.77M+5.3%
Common Stock, Shares, Outstanding	$45.6M+21.6%	$44.44M+23.1%	$44.09M+22.6%	$44.01M+23.2%	$37.5M+5.4%
Current tax liabilities	$3.95M+12.7%	$4.06M+29.3%	$3.58M-54.5%	$3.47M-53.5%	$3.5M-50.9%
Derivative asset	——	——	——	——	——
Finite-Lived Intangible Asset, Expected Amortization	——	——	——	——	——
Finite-Lived Intangible Assets, Accumulated Amortization	$29.34M+20.2%	$28.13M+21.2%	$26.88M+25.5%	$25.64M+31.5%	$24.41M+38.9%
2028	——	——	——	——	——
2030	——	——	——	——	——
2031	——	——	——	——	——
Remainder of 2026	——	——	——	——	——
2027	——	——	——	——	——
2029	——	——	——	——	——
Finite Lived Intangible Assets Amortization Expense After Year Five	——	——	——	——	——
Income taxes receivable	$2.99M-8.7%	$3.39M-9.2%	$3.56M-1.5%	$3.7M-14.2%	$3.27M-3.3%
Lessee Operating Lease Liability Payments Due	$13.46M-28.6%	$13.54M-36.2%	$15.58M-32.3%	$17.5M-30.0%	$18.84M-31.4%
Lessee Operating Lease Liability Undiscounted Excess Amount	$1.49M-7.9%	$1.36M-24.3%	$1.45M-25.4%	$1.56M-17.2%	$1.62M-18.4%
Imputed interest	$27K-73.5%	$42K—	$59K—	$79K—	$102K—
Lessor, Operating Lease, Payment to be Received, after Year Three	——	——	——	——	——
Remainder of fiscal 2026	——	——	——	——	——
Committed Revolving Credit Facilities	——	——	——	——	——
Operating Lease, Asset	$581K-47.0%	$715K—	$847K—	$975K—	$1.1M—
Operating Lease Weighted Average Discount Rate Percent	$0.06+11.1%	$0.06+11.0%	$0.06+11.4%	$0.05+12.5%	$0.05+11.5%
Other accrued liabilities	——	——	——	——	——
Other Assets, Miscellaneous	$15.92M-6.5%	$15.03M-18.3%	$16.95M-19.3%	$16.26M-32.6%	$17.03M-15.2%
Preferred Stock, Shares Authorized	$100M0.0%	$100M0.0%	$100M0.0%	$100M0.0%	$100M0.0%
Preferred Stock, Shares Issued	$0—	$0—	$0—	$0—	$0—
Preferred Stock, Shares Outstanding	$0—	$0—	$0—	$0—	$0—
Principal Amount Outstanding Of Loans Held In Portfolio	$2.68B-0.7%	$2.78B+2.3%	$2.67B-0.3%	$2.67B+0.6%	$2.7B-2.0%
Receivable from banking partner	$5.91M+57.6%	$4.69M+0.6%	$4.83M-1.9%	$5.26M+37.0%	$3.75M-33.9%
AR Facilities, Recourse Liability	$5.06M-7.8%	$1.4M-20.4%	$1.88M-78.5%	$5.57M-3.8%	$5.48M+36.0%
Treasury stock, shares (in shares)	$272.02K0.0%	$272.02K0.0%	$272.02K0.0%	$272.02K0.0%	$272.02K0.0%
Remainder of Fiscal Year 2024	——	——	——	——	——
Remainder of Fiscal Year 2025	——	——	——	——	——

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Questions, answered.

What are Oportun Financial Corporation's total assets?: Oportun Financial Corporation (OPRT) holds $3.2B in total assets, down 1.8% year over year.
How much debt does Oportun Financial Corporation have?: Oportun Financial Corporation carries $12.0M in total debt against $396.3M of shareholders' equity, a debt-to-equity ratio of 0.03.
How much cash does Oportun Financial Corporation have?: Oportun Financial Corporation holds $209.9M in cash and equivalents.
Where does Oportun Financial Corporation's balance sheet data come from?: Every line is extracted from Oportun Financial Corporation's SEC filings (10-K and 10-Q) and tagged in XBRL. Switch between quarterly, annual, and trailing-twelve-month views, or open any line for its full history and peer comparisons.