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Oportun Financial Corporation OPRT Retained Earnings

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Other financials

Income statement

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Revenue$94.9M-10.3%
Net income$2.3M-76.0%
EPS (diluted)$0.05-76.2%

Balance sheet

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Cash & equivalents$209.9M-9.1%
Total debt$12.0M-30.5%
Total equity$396.3M+8.2%
Total assets$3.2B-1.8%

Cash flow

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Operating cash flow$103.7M+2.7%
CapEx$1.5M-84.6%
Free cash flow$60.5M+21.0%

Valuation

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Market cap$262.37M-17.1%
Enterprise value$64.49M-36.1%
P/E14.7×—
P/S0.7×-0.2×

Profitability

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Net margin4.5%—
FCF margin37.8%+9.3pp

Returns & leverage

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Return on equity4.7%—
Debt / equity0×0.0×

Where this comes from

Reported directly by Oportun Financial Corporation in its filing.

Tagged under the XBRL concept us-gaap:RetainedEarningsAccumulatedDeficit.

The official record: Oportun Financial Corporation’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Oportun Financial Corporation's retained earnings?
Oportun Financial Corporation (OPRT) reported retained earnings of -$224.94M in Q1 2026.
How has Oportun Financial Corporation's retained earnings changed year-over-year?
Oportun Financial Corporation's retained earnings increased by 7.3% year-over-year, from -$242.76M to -$224.94M.
What is the long-term trend for Oportun Financial Corporation's retained earnings?
Over 5 years (2020 to 2025), Oportun Financial Corporation's retained earnings has grown at a 44.2% compound annual growth rate (CAGR), from $36.43M to -$227.29M.
What does retained earnings mean?
Cumulative net income earned since inception minus all dividends paid — the total profits reinvested in the business over its lifetime.