← Oportun Financial Corp
| Annual Trend | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | |||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | |||||||||
| Net Income From Continuing Operations | — | — | — | — | ($77.7m) | ($180.0m) | ($78.7m) | $25.2m | |
| Net Income (Loss) Attributable to Parent | $123.4m | $61.6m | ($45.1m) | $47.4m | ($77.7m) | ($180.0m) | ($78.7m) | $25.2m | |
| Net Income (Loss) Available to Common Stockholders, Basic | $16.6m | $4.3m | ($45.1m) | $47.4m | ($77.7m) | ($180.0m) | ($78.7m) | $25.2m | |
| Amortization of Intangible Assets | — | — | — | $300k | $7.9m | $7.7m | $7.5m | $4.9m | |
| Capitalized Computer Software, Amortization | $3.5m | $4.9m | $10.8m | — | — | — | — | — | |
| Depreciation | $8.3m | $8.8m | $9.4m | $9.4m | $5.2m | $4.3m | $3.5m | $1.8m | |
| Depreciation Amortization Depletion | — | — | — | — | $47.5m | $54.9m | $51.2m | $41.4m | |
| Depreciation, Amortization and Accretion, Net | $11.8m | $14.1m | $20.2m | $27.1m | $47.5m | $54.9m | $51.2m | $41.4m | |
| Deferred Income Tax Expense (Benefit) | $42.0m | $10.4m | ($14.5m) | $16.5m | $0 | — | — | — | |
| Deferred Income Tax | — | — | — | $16.5m | $0 | — | — | — | |
| Deferred Tax | — | — | — | $16.5m | $0 | — | — | — | |
| Share-based Payment Arrangement, Noncash Expense | $6.8m | $19.2m | $19.5m | $18.9m | $27.6m | $18.6m | $13.0m | $10.7m | |
| Payment, Tax Withholding, Share-based Payment Arrangement | — | — | — | $3.2m | $6.2m | $800k | — | — | |
| Share-based Payment Arrangement, Expense | $6.8m | $19.2m | $19.5m | $18.9m | $27.6m | $18.6m | $13.0m | $10.7m | |
| Goodwill, Impairment Loss | — | — | — | — | $108.5m | $0 | — | — | |
| Asset Impairment Charge | — | — | — | $0 | $108.5m | $0 | — | — | |
| Income Tax Expense (Benefit) | $46.7m | $22.8m | ($13.0m) | $15.4m | $2.5m | ($73.7m) | ($36.5m) | $18.8m | |
| Operating Lease, Expense | — | $18.2m | $20.8m | $24.3m | $18.5m | $17.4m | $12.3m | $9.7m | |
| Additional Financial Items | |||||||||
| Debt Securities, Realized Gain (Loss) | $22.9m | ($97.2m) | ($190.3m) | ($48.6m) | ($218.8m) | ($596.8m) | ($468.4m) | ($319.3m) | |
| Gain (Loss) on Sale of Financing Receivable | — | — | — | $26.8m | $5.7m | $8.5m | $15.6m | $13.9m | |
| Goodwill | — | — | — | $104.0m | $0 | — | — | — | |
| Operating Expenses | — | — | — | — | — | $534.3m | $410.4m | $361.8m | |
| Payments of Financing Costs | $862k | $0 | $495k | $2.2m | $8.2m | $2.7m | $12.8m | $3.3m | |
| Proceeds from Stock Options Exercised | $1.0m | $791k | $216k | $3.3m | $1.6m | $800k | — | — | |
| Provision for Loan, Lease, and Other Losses | $16.1m | ($4.5m) | — | — | — | — | — | — | |
| Beginning Cash Position | — | — | — | — | $193.0m | $203.8m | $206.0m | $214.6m | |
| Cash Flow From Continuing Financing Activities | — | — | — | — | $934.5m | ($104.4m) | ($191.2m) | ($59.4m) | |
| Cash Flow From Continuing Investing Activities | — | — | — | — | ($1.2b) | ($286.2m) | ($193.7m) | ($369.7m) | |
| Change In Working Capital | — | — | — | — | ($80.7m) | ($21.1m) | ($30.3m) | ($2.3m) | |
| Changes In Cash | — | — | — | — | $10.9m | $2.2m | $8.6m | ($15.7m) | |
| End Cash Position | — | — | — | — | $203.8m | $206.0m | $214.6m | $198.9m | |
| Financing Cash Flow | — | — | — | — | $934.5m | ($104.4m) | ($191.2m) | ($59.4m) | |
| Free Cash Flow | — | — | — | — | $199.0m | $361.5m | $374.3m | $389.1m | |
| Investing Cash Flow | — | — | — | — | ($1.2b) | ($286.2m) | ($193.7m) | ($369.7m) | |
| Net Business Purchase And Sale | — | — | — | ($111.7m) | $0 | — | — | — | |
| Operating Gains Losses | — | — | — | — | $213.1m | $588.4m | $462.4m | $313.7m | |
| Other Non Cash Items | — | — | — | — | $9.6m | ($68.1m) | ($24.1m) | $24.7m | |
| Purchase Of Business | — | — | — | ($111.7m) | $0 | — | — | — | |
| Stock Based Compensation | — | — | — | — | $27.6m | $18.6m | $13.0m | $10.7m | |
| Gain (Loss) on Sales of Loans, Net | $33.5m | $36.5m | $20.3m | — | — | — | — | — | |
| Net Cash Provided by (Used in) Operating Activities | $138.4m | $218.4m | $152.9m | $163.4m | $247.9m | $392.8m | $393.5m | $413.4m | |
| Cash flows from investing activities: | |||||||||
| Payments to Acquire Property, Plant, and Equipment | $14.6m | $8.9m | $4.8m | $12.3m | $6.0m | ($31.3m) | ($19.2m) | ($24.3m) | |
| Capital Expenditure Reported | — | — | — | — | ($48.9m) | ($31.3m) | ($19.2m) | ($24.3m) | |
| Payments to Acquire Businesses, Net of Cash Acquired | — | — | — | $111.7m | $0 | — | — | — | |
| Payments for (Proceeds from) Other Investing Activities | — | — | — | — | — | $1.4m | $886k | $971k | |
| Net Other Investing Changes | — | — | — | — | ($6.0m) | ($1.4m) | ($886k) | ($971k) | |
| Net Cash Provided by (Used in) Investing Activities | ($471.4m) | ($497.7m) | $16.4m | ($884.8m) | ($1.2b) | ($286.2m) | ($193.7m) | ($369.7m) | |
| Cash flows from financing activities: | |||||||||
| Issuance Of Debt | — | — | — | — | $3.2b | $945.5m | $1.7b | $2.9b | |
| Long Term Debt Issuance | — | — | — | — | $3.2b | $945.5m | $1.7b | $2.9b | |
| Net Issuance Payments Of Debt | — | — | — | — | $951.4m | ($99.0m) | ($178.2m) | ($55.7m) | |
| Net Long Term Debt Issuance | — | — | — | — | $951.4m | ($99.0m) | ($178.2m) | ($55.7m) | |
| Long Term Debt Payments | — | — | — | — | ($2.3b) | ($1.0b) | ($1.9b) | ($2.9b) | |
| Repayment Of Debt | — | — | — | — | ($2.3b) | ($1.0b) | ($1.9b) | ($2.9b) | |
| Proceeds from (Payments for) Other Financing Activities | — | — | ($1.5m) | ($2.2m) | ($8.7m) | ($2.7m) | ($272k) | ($400k) | |
| Net Other Financing Charges | — | — | — | — | ($16.9m) | ($5.4m) | ($13.0m) | ($3.7m) | |
| Net Cash Provided by (Used in) Financing Activities | $368.1m | $286.3m | ($136.8m) | $745.7m | $934.5m | ($104.4m) | ($191.2m) | ($59.4m) | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $35.0m | $7.0m | $32.4m | $24.4m | $10.9m | $2.2m | $8.6m | ($15.7m) | |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $129.2m | $136.1m | $168.6m | $193.0m | $203.8m | $206.0m | $214.6m | $198.9m | |
| Supplemental disclosure of cash flow information: | |||||||||
| Change In Cash Supplemental As Reported | — | — | — | — | $10.9m | $2.2m | $8.6m | ($15.7m) | |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $42.4m | $58.0m | $57.1m | $46.8m | $85.8m | $184.0m | $214.0m | $194.7m | |
| Income Taxes Paid, Net | $20.4m | $2.9m | $2.8m | $3.9m | ($3.5m) | ($1.9m) | $1.0m | $2.8m |
Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.