Page 137 - NobleCon21

Oportun Financial Corporation

SELECTED FINANCIAL ITEMS OPRT
(in millions of USD)
CQ4 '24 CQ1 '25 CQ2 '25 CQ3 '25 LTM
Income Statement Key Items
Total Revenue 177.25 178.50 174.81 182.07 712.62
Gross Profit 169.10 170.49 165.11 172.66 677.36
Gross Margin 95% 96% 94% 95% 95%
EBIT NA NA NA NA N/A
EBIT Margin NM NM NM NM NM
Net Income to Common Shareholders 8.74 9.77 6.88 5.20 30.58
Net Margin 5% 5% 4% 3% 4%

Balance Sheet Key Items
Total Assets 3,227.10 3,226.31 3,201.09 3,186.18 3,186.18
Cash & Short Term Investments 59.97 78.54 96.82 104.61 104.61
% of Assets 2% 2% 3% 3% 3%
Current Assets -Total 3,026.93 3,035.23 3,016.81 3,013.34 3,013.34
% of Assets 94% 94% 94% 95% 95%
Total Liabilities 2,873.29 2,860.21 2,825.10 2,802.33 2,802.33
% of Assets 89% 89% 88% 88% 88%
Current Liabilities - Total 53.83 53.71 58.31 56.34 56.34
% of Assets 2% 2% 2% 2% 2%
Long Term Debt 2,804.24 2,790.30 2,748.53 2,730.52 2,730.52
% of Assets 87% 86% 86% 86% 86%
Total Equity 353.81 366.10 375.99 383.85 383.85
% of Assets 11% 11% 12% 12% 12%

Cash Flow Statement Key Items
Net Cash Flow - Operating Activities 91.45 100.98 104.53 99.04 395.99
Net Cash Flow - Investing (56.43) (55.52) (52.34) (72.63) (236.92)
Net Cash Flow - Financing (48.93) (29.11) (54.94) (30.68) (163.65)

Source: Capital IQ

PRICE / VOLUME

Source: Channelchek/QuoteMedia

Noble Capital Markets' Twenty-First Annual Emerging Growth Equity Conference