$OPRT
Oportun Financial Corp

2024 Q3 Form 10-Q Financial Statement

#000153871624000106 Filed on August 09, 2024

View on sec.gov

Income Statement

Concept 2024 Q3 2024 Q2
Revenue $250.0M $250.4M
YoY Change -6.81% 11.19%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $12.99M $22.02M
YoY Change 9.52% -82.55%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $800.0K $1.000M
YoY Change -11.11% 11.11%
% of Gross Profit
Operating Expenses $102.1M $109.2M
YoY Change -16.67% -13.48%
Operating Profit
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income -$39.46M -$49.15M
YoY Change 5.6% 180.85%
Income Tax -$9.500M -$18.10M
% Of Pretax Income
Net Earnings -$29.96M -$31.03M
YoY Change 41.72% 108.22%
Net Earnings / Revenue -11.98% -12.39%
Basic Earnings Per Share -$0.75 -$0.78
Diluted Earnings Per Share -$0.75 -$0.78
COMMON SHARES
Basic Shares Outstanding 35.72M shares 35.59M shares
Diluted Shares Outstanding 39.96M shares 39.82M shares

Balance Sheet

Concept 2024 Q3 2024 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $71.84M $72.87M
YoY Change -12.29% -0.72%
Cash & Equivalents $71.84M $72.87M
Short-Term Investments
Other Short-Term Assets $11.97M $13.72M
YoY Change -27.03% -89.37%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $83.81M $86.59M
YoY Change -34.17% -97.31%
LONG-TERM ASSETS
Property, Plant & Equipment $3.889M $4.920M
YoY Change -50.71% -81.43%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $238.5M $235.4M
YoY Change 59.34% 150.14%
Total Long-Term Assets $3.167B $3.164B
YoY Change -4.09% 1147.54%
TOTAL ASSETS
Total Short-Term Assets $83.81M $86.59M
Total Long-Term Assets $3.167B $3.164B
Total Assets $3.251B $3.250B
YoY Change -5.21% -6.38%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $4.522M $9.872M
YoY Change -30.43% -12.64%
Accrued Expenses $62.52M $63.04M
YoY Change -13.4% -24.32%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $74.92M $80.39M
YoY Change -12.58% -20.72%
LONG-TERM LIABILITIES
Long-Term Debt $2.837B $2.807B
YoY Change -1.96% -3.29%
Other Long-Term Liabilities $11.67M $9.060M
YoY Change 31.11% -91.85%
Total Long-Term Liabilities $2.849B $2.816B
YoY Change -1.86% -6.56%
TOTAL LIABILITIES
Total Short-Term Liabilities $74.92M $80.39M
Total Long-Term Liabilities $2.849B $2.816B
Total Liabilities $2.924B $2.896B
YoY Change -2.17% -3.89%
SHAREHOLDERS EQUITY
Retained Earnings -$261.3M -$231.3M
YoY Change 97.89% 108.6%
Common Stock $595.1M $591.7M
YoY Change 2.66% 2.8%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $327.6M $354.1M
YoY Change
Total Liabilities & Shareholders Equity $3.251B $3.250B
YoY Change -5.21% -6.38%

Cashflow Statement

Concept 2024 Q3 2024 Q2
OPERATING ACTIVITIES
Net Income -$29.96M -$31.03M
YoY Change 41.72% 108.22%
Depreciation, Depletion And Amortization $800.0K $1.000M
YoY Change -11.11% 11.11%
Cash From Operating Activities $108.5M $107.7M
YoY Change 1.28% 319.33%
INVESTING ACTIVITIES
Capital Expenditures $4.972M $5.491M
YoY Change -25.79% -23.74%
Acquisitions
YoY Change
Other Investing Activities -$105.3M -$57.95M
YoY Change 33.81% 134.13%
Cash From Investing Activities -$110.3M -$63.44M
YoY Change 29.14% 156.32%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -6.283M -4.205M
YoY Change -74.36% -433.73%
NET CHANGE
Cash From Operating Activities 108.5M 107.7M
Cash From Investing Activities -110.3M -63.44M
Cash From Financing Activities -6.283M -4.205M
Net Change In Cash -8.099M 40.08M
YoY Change 189.25% 1721.95%
FREE CASH FLOW
Cash From Operating Activities $108.5M $107.7M
Capital Expenditures $4.972M $5.491M
Free Cash Flow $103.5M $102.2M
YoY Change 3.08% 452.93%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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us-gaap Use Of Estimates
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<div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Use of Estimates ‑ </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The preparation of the condensed consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements, and the reported amounts of income and expenses during the reporting period. These estimates are based on information available as of the date of the condensed consolidated financial statements; therefore, actual results could differ from those estimates and assumptions.</span></div>
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CY2024Q2 oprt Finite Lived Intangible Asset Expected Amortization
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4700000 usd
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34200000 usd
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CY2023 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
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us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Out Of Level3
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us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
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CY2024Q2 us-gaap Lessee Operating Lease Remaining Lease Term
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CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
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6212000 usd
CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
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CY2024Q2 us-gaap Lessee Operating Lease Liability Payments Due
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25016000 usd
CY2024Q2 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
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1881000 usd
CY2024Q2 us-gaap Operating Lease Liability
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23135000 usd
CY2024Q2 us-gaap Lessor Operating Lease Payments To Be Received Remainder Of Fiscal Year
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241000 usd
CY2024Q2 us-gaap Lessor Operating Lease Payments To Be Received Next Twelve Months
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587000 usd
CY2024Q2 us-gaap Lessor Operating Lease Payments To Be Received Two Years
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605000 usd
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153000 usd
CY2024Q2 oprt Lessor Operating Lease Payment To Be Received After Year Four
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CY2024Q2 us-gaap Lessor Operating Lease Payments To Be Received
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1586000 usd
CY2024Q2 oprt Lessor Operating Lease Asset Undiscounted Excess Amount
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CY2024Q2 oprt Operating Lease Asset
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CY2024Q2 oprt Operating Lease Liability Net
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CY2024Q2 us-gaap Operating Lease Weighted Average Remaining Lease Term1
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CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
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12786000 usd
CY2023Q4 oprt Lessee Operating Lease Liability To Be Paid Year Six
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40000 usd
CY2023Q4 oprt Lessee Operating Lease Liability To Be Paid After Year Six
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0 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
30473000 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
2097000 usd
CY2023Q4 us-gaap Operating Lease Liability
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28376000 usd
CY2023Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
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P2Y8M12D
CY2023Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
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0.0472
us-gaap Operating Lease Expense
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9100000 usd
CY2024Q2 us-gaap Other Commitment
OtherCommitment
28500000 usd
CY2023Q4 us-gaap Other Commitment
OtherCommitment
32900000 usd

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