← Oportun Financial Corp

Annual Trend FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025 TTM
Cash flows from operating activities:
Adjustments to reconcile net income to net cash provided by operating activities:
Net Income (Loss) Attributable to Parent $123.4m
$61.6m -50.08%
($45.1m) -173.19%
$47.4m +205.17%
($77.7m) -263.97%
($180.0m) -131.47%
($78.7m) +56.28%
$25.2m +132.09%
—
Net Income (Loss) Available to Common Stockholders, Basic $16.6m
$4.3m -74.32%
($45.1m) -1157.77%
$47.4m +205.17%
($77.7m) -263.97%
($180.0m) -131.47%
($78.7m) +56.28%
$25.2m +132.09%
—
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 $37.5m
Depreciation Amortization Depletion — — — — $47.5m $54.9m $51.2m $41.4m $37.5m
Depreciation, Amortization and Accretion, Net $11.8m $14.1m $20.2m $27.1m $47.5m $54.9m $51.2m $41.4m $37.5m
Deferred Income Tax Expense (Benefit) $42.0m $10.4m ($14.5m) $16.5m $0 — — — $0
Deferred Tax — — — $16.5m $0 — — — $0
Share-based Payment Arrangement, Noncash Expense $6.8m $19.2m $19.5m $18.9m $27.6m $18.6m $13.0m $10.7m $12.2m
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 $12.2m
Goodwill, Impairment Loss — — — — $108.5m $0 — — —
Asset Impairment Charge — — — $0 $108.5m $0 — — —
Change In Working Capital — — — — ($80.7m) ($21.1m) ($30.3m) ($2.3m) ($15.1m)
Net Cash Provided by (Used in) Operating Activities $138.4m
$218.4m +57.81%
$152.9m -30.00%
$163.4m +6.92%
$247.9m +51.65%
$392.8m +58.45%
$393.5m +0.19%
$413.4m +5.05%
$420.9m +1.82%
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) ($25.1m)
Capital Expenditure Reported — — — — ($48.9m) ($31.3m) ($19.2m) ($24.3m) ($25.1m)
Debt Securities, Realized Gain (Loss) $22.9m ($97.2m) ($190.3m) ($48.6m) ($218.8m) ($596.8m) ($468.4m) ($319.3m) —
Payments to Acquire Businesses, Net of Cash Acquired — — — $111.7m $0 — — — $0
Payments for (Proceeds from) Other Investing Activities — — — — — $1.4m $886k $971k —
Net Other Investing Changes — — — — ($6.0m) ($1.4m) ($886k) ($971k) ($898k)
Net Cash Provided by (Used in) Investing Activities ($471.4m) ($497.7m) $16.4m ($884.8m) ($1.2b) ($286.2m) ($193.7m) ($369.7m) ($304.0m)
Cash flows from financing activities:
Issuance Of Debt — — — — $3.2b $945.5m $1.7b $2.9b $2.1b
Long Term Debt Issuance — — — — $3.2b $945.5m $1.7b $2.9b $2.1b
Long Term Debt Payments — — — — ($2.3b) ($1.0b) ($1.9b) ($2.9b) ($2.2b)
Net Issuance Payments Of Debt — — — — $951.4m ($99.0m) ($178.2m) ($55.7m) ($129.4m)
Net Long Term Debt Issuance — — — — $951.4m ($99.0m) ($178.2m) ($55.7m) ($129.4m)
Repayment Of Debt — — — — ($2.3b) ($1.0b) ($1.9b) ($2.9b) ($2.2b)
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) ($3.3m)
Net Cash Provided by (Used in) Financing Activities $368.1m
$286.3m -22.22%
($136.8m) -147.79%
$745.7m +645.11%
$934.5m +25.32%
($104.4m) -111.17%
($191.2m) -83.19%
($59.4m) +68.95%
($132.7m) -123.56%
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) $212.4m
Beginning Cash Position — — — — $193.0m $203.8m $206.0m $214.6m $228.2m
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 $212.4m
Additional Supplementary Disclosures
Additional Supplementary Disclosures
Supplemental disclosure of cash flow information:
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 —
Additional Financial Items
Gain (Loss) on Sale of Financing Receivable — — — $26.8m $5.7m $8.5m $15.6m $13.9m —
Gain (Loss) on Sales of Loans, Net $33.5m $36.5m $20.3m — — — — — —
Goodwill — — — $104.0m $0 — — — —
Income Tax Expense (Benefit) $46.7m $22.8m ($13.0m) $15.4m $2.5m ($73.7m) ($36.5m) $18.8m —
Operating Expenses — — — — — $534.3m $410.4m $361.8m —
Operating Lease, Expense — $18.2m $20.8m $24.3m $18.5m $17.4m $12.3m $9.7m —
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) — — — — — — —
Cash Flow From Continuing Financing Activities — — — — $934.5m ($104.4m) ($191.2m) ($59.4m) ($132.7m)
Cash Flow From Continuing Investing Activities — — — — ($1.2b) ($286.2m) ($193.7m) ($369.7m) ($304.0m)
Change In Cash Supplemental As Reported — — — — $10.9m $2.2m $8.6m ($15.7m) —
Changes In Cash — — — — $10.9m $2.2m $8.6m ($15.7m) ($15.8m)
End Cash Position — — — — $203.8m $206.0m $214.6m $198.9m $212.4m
Financing Cash Flow — — — — $934.5m
($104.4m) -111.17%
($191.2m) -83.19%
($59.4m) +68.95%
($132.7m) -123.56%
Free Cash Flow — — — — $199.0m $361.5m $374.3m $389.1m $395.9m
Investing Cash Flow — — — — ($1.2b) ($286.2m) ($193.7m) ($369.7m) ($304.0m)
Net Business Purchase And Sale — — — ($111.7m) $0 — — — $0
Operating Gains Losses — — — — $213.1m $588.4m $462.4m $313.7m $342.6m
Other Non Cash Items — — — — $9.6m ($68.1m) ($24.1m) $24.7m —
Purchase Of Business — — — ($111.7m) $0 — — — $0
Stock Based Compensation — — — — $27.6m $18.6m $13.0m $10.7m $12.2m

Amounts are shown in USD as reported in each fiscal year filing.

Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.