Oportun Financial Corp
NASDAQ:OPRT
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Cash Flow Statement
Cash Flow Statement
Oportun Financial Corp
| Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | |||||||||||||||||||||||||||||
| Net Income |
123
|
100
|
75
|
64
|
62
|
34
|
(14)
|
(30)
|
(45)
|
(29)
|
13
|
42
|
47
|
90
|
74
|
(55)
|
(78)
|
(226)
|
(231)
|
(147)
|
(180)
|
(104)
|
(120)
|
(129)
|
(79)
|
(42)
|
(5)
|
31
|
|
| Depreciation & Amortization |
12
|
12
|
12
|
13
|
14
|
16
|
18
|
19
|
20
|
23
|
25
|
26
|
27
|
31
|
35
|
41
|
48
|
50
|
52
|
54
|
55
|
55
|
54
|
53
|
51
|
49
|
47
|
43
|
|
| Change in Deffered Taxes |
42
|
37
|
28
|
26
|
10
|
5
|
(19)
|
(10)
|
(15)
|
(11)
|
16
|
14
|
17
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Stock-Based Compensation |
7
|
9
|
11
|
19
|
19
|
21
|
24
|
18
|
19
|
20
|
21
|
20
|
19
|
21
|
22
|
25
|
28
|
26
|
23
|
21
|
19
|
18
|
16
|
15
|
13
|
12
|
12
|
11
|
|
| Other Non-Cash Items |
(45)
|
0
|
43
|
66
|
81
|
129
|
199
|
205
|
207
|
161
|
80
|
52
|
56
|
46
|
100
|
291
|
353
|
520
|
557
|
484
|
530
|
466
|
481
|
483
|
447
|
404
|
363
|
324
|
|
| Cash Taxes Paid |
20
|
21
|
18
|
14
|
3
|
3
|
3
|
3
|
3
|
16
|
4
|
2
|
4
|
4
|
(1)
|
(2)
|
(4)
|
20
|
(1)
|
(1)
|
(2)
|
(40)
|
(1)
|
(1)
|
1
|
2
|
0
|
(0)
|
|
| Cash Interest Paid |
42
|
47
|
51
|
55
|
58
|
61
|
61
|
59
|
57
|
45
|
52
|
50
|
47
|
43
|
48
|
62
|
86
|
86
|
136
|
161
|
184
|
240
|
213
|
218
|
214
|
208
|
207
|
201
|
|
| Change in Working Capital |
6
|
2
|
8
|
37
|
51
|
39
|
30
|
6
|
(14)
|
(25)
|
(21)
|
(17)
|
17
|
5
|
(15)
|
(61)
|
(75)
|
(59)
|
(42)
|
(16)
|
(13)
|
(14)
|
(8)
|
1
|
(26)
|
(2)
|
0
|
(2)
|
|
| Cash from Operating Activities |
138
N/A
|
151
+9%
|
166
+10%
|
205
+24%
|
218
+6%
|
223
+2%
|
214
-4%
|
191
-11%
|
153
-20%
|
119
-22%
|
113
-5%
|
117
+4%
|
163
+39%
|
184
+12%
|
201
+9%
|
219
+9%
|
248
+13%
|
286
+15%
|
336
+17%
|
375
+12%
|
393
+5%
|
402
+2%
|
407
+1%
|
408
+0%
|
394
-4%
|
409
+4%
|
405
-1%
|
396
-2%
|
|
| Investing Cash Flow | |||||||||||||||||||||||||||||
| Capital Expenditures |
(18)
|
(19)
|
(21)
|
(26)
|
(26)
|
(29)
|
(30)
|
(29)
|
(27)
|
(26)
|
(26)
|
(28)
|
(39)
|
(44)
|
(51)
|
(58)
|
(55)
|
(56)
|
(49)
|
(41)
|
(33)
|
(23)
|
(22)
|
(20)
|
(20)
|
(23)
|
(24)
|
(25)
|
|
| Other Items |
(454)
|
(448)
|
(434)
|
(445)
|
(472)
|
(451)
|
(221)
|
(50)
|
43
|
91
|
(108)
|
(392)
|
(846)
|
(972)
|
(1 415)
|
(1 426)
|
(1 117)
|
(1 033)
|
(589)
|
(404)
|
(253)
|
(187)
|
(187)
|
(214)
|
(174)
|
(263)
|
(251)
|
(212)
|
|
| Cash from Investing Activities |
(471)
N/A
|
(467)
+1%
|
(455)
+3%
|
(470)
-3%
|
(498)
-6%
|
(479)
+4%
|
(251)
+48%
|
(78)
+69%
|
16
N/A
|
65
+295%
|
(134)
N/A
|
(420)
-212%
|
(885)
-111%
|
(1 016)
-15%
|
(1 466)
-44%
|
(1 484)
-1%
|
(1 172)
+21%
|
(1 089)
+7%
|
(638)
+41%
|
(445)
+30%
|
(286)
+36%
|
(210)
+27%
|
(209)
+0%
|
(234)
-12%
|
(194)
+17%
|
(286)
-47%
|
(275)
+4%
|
(237)
+14%
|
|
| Financing Cash Flow | |||||||||||||||||||||||||||||
| Net Issuance of Common Stock |
0
|
0
|
0
|
61
|
61
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Net Issuance of Debt |
369
|
333
|
304
|
332
|
225
|
283
|
70
|
(168)
|
(135)
|
(203)
|
186
|
367
|
751
|
830
|
1 051
|
1 330
|
951
|
846
|
383
|
4
|
(99)
|
(191)
|
(159)
|
(136)
|
(178)
|
(78)
|
(127)
|
(156)
|
|
| Other |
(1)
|
(1)
|
(2)
|
(2)
|
1
|
0
|
0
|
(1)
|
(2)
|
(4)
|
(4)
|
(4)
|
(5)
|
(10)
|
(10)
|
(17)
|
(17)
|
(12)
|
(13)
|
(6)
|
(5)
|
(6)
|
(5)
|
(9)
|
(13)
|
(11)
|
(12)
|
(7)
|
|
| Cash from Financing Activities |
368
N/A
|
332
-10%
|
303
-9%
|
391
+29%
|
286
-27%
|
343
+20%
|
130
-62%
|
(169)
N/A
|
(137)
+19%
|
(207)
-51%
|
182
N/A
|
363
+100%
|
746
+106%
|
820
+10%
|
1 040
+27%
|
1 313
+26%
|
935
-29%
|
834
-11%
|
370
-56%
|
(3)
N/A
|
(104)
-3 915%
|
(197)
-89%
|
(164)
+17%
|
(145)
+11%
|
(191)
-32%
|
(89)
+54%
|
(139)
-57%
|
(164)
-18%
|
|
| Change in Cash | |||||||||||||||||||||||||||||
| Net Change in Cash |
35
N/A
|
15
-56%
|
14
-11%
|
126
+821%
|
7
-94%
|
87
+1 149%
|
93
+7%
|
(57)
N/A
|
33
N/A
|
(23)
N/A
|
160
N/A
|
60
-62%
|
24
-60%
|
(13)
N/A
|
(224)
-1 665%
|
48
N/A
|
11
-77%
|
31
+188%
|
69
+118%
|
(73)
N/A
|
2
N/A
|
(5)
N/A
|
34
N/A
|
29
-15%
|
9
-70%
|
34
+300%
|
(8)
N/A
|
(5)
+46%
|
|
| Free Cash Flow | |||||||||||||||||||||||||||||
| Free Cash Flow |
121
N/A
|
132
+9%
|
145
+10%
|
180
+24%
|
192
+7%
|
195
+1%
|
184
-6%
|
162
-12%
|
126
-22%
|
93
-26%
|
86
-7%
|
90
+4%
|
125
+39%
|
140
+12%
|
151
+8%
|
161
+7%
|
193
+20%
|
230
+19%
|
287
+24%
|
334
+16%
|
360
+8%
|
378
+5%
|
385
+2%
|
388
+1%
|
373
-4%
|
386
+3%
|
382
-1%
|
371
-3%
|
|
