Demonstrações financeiras detalhadas de Oportun Financial Corporation (OPRT): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Oportun Financial Corporation registou receitas de $637.3M no último exercício, com um CAGR de 5 anos de 10.1%.
Margens dos últimos 12 meses: margem bruta 70.2%, margem operacional 5.8%, margem líquida 2.8%. O fluxo de caixa livre cresceu a CAGR de 24.3% em 5 anos.
Ao preço atual de $7.80, OPRT negocia a um P/L de 20.88 e um ROE de 4.95%. A capitalização de mercado é de $358M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $277.5M | $361.0M | $520.5M | $502.9M | $393.4M | $578.1M | $733.7M | $460.1M | $533.4M | $637.3M |
| Custo da Receita | $99.1M | $134.7M | $63.1M | $56.1M | $58.4M | $47.7M | $93.0M | $179.4M | $238.2M | $231.5M |
| Lucro Bruto | $178.4M | $226.2M | $457.4M | $446.8M | $335.1M | $530.5M | $640.7M | $280.7M | $295.2M | $405.8M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $88.5M | $122.1M | $151.7M | $203.2M | $216.3M | $270.2M | $323.7M | $269.5M | $207.4M | $184.5M |
| Despesas Operacionais | $162.3M | $224.2M | $287.3M | $362.4M | $393.2M | $467.7M | $715.9M | $534.3M | $410.4M | $361.8M |
| Lucro Operacional | $16.1M | $2.1M | $170.1M | $84.4M | -$58.1M | $62.8M | -$75.3M | -$253.7M | -$115.2M | $44.1M |
| EBITDA | $24.4M | $12.7M | $181.9M | $98.5M | -$37.9M | $89.9M | -$27.8M | -$198.8M | -$64.0M | $85.5M |
| Despesas com Juros | $28.8M | $36.4M | $46.9M | $60.5M | $58.4M | $47.7M | $93.0M | $179.4M | $238.2M | $231.5M |
| Lucro Antes de Impostos | $16.1M | $2.1M | $170.1M | $84.4M | -$58.1M | $62.8M | -$75.3M | -$253.7M | -$115.2M | $44.1M |
| Imposto | -$34.8M | $12.3M | $46.7M | $22.8M | -$13.0M | $15.4M | $2.5M | -$73.7M | -$36.5M | $18.8M |
| Lucro Líquido | $50.9M | -$10.2M | $123.4M | $61.6M | -$45.1M | $47.4M | -$77.7M | -$180.0M | -$78.7M | $25.2M |
| LPA | $2.31 | $-0.46 | $5.60 | $0.46 | $-1.65 | $1.68 | $-2.37 | $-4.88 | $-1.95 | $0.53 |
| LPA Diluído | $2.20 | $-0.46 | $5.59 | $0.40 | $-1.65 | $1.56 | $-2.37 | $-4.88 | $-1.95 | $0.53 |
| Ações em Circulação (Diluídas) | $23.1M | $22.1M | $22.1M | $10.8M | $27.3M | $30.3M | $32.8M | $36.9M | $40.4M | $47.9M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $161.7M | $148.3M | $142.8M | $233.2M |
| Lucro Bruto | $105.0M | $90.4M | $94.8M | $191.3M |
| Lucro Operacional | $14.2M | $6.6M | $3.6M | $15.6M |
| EBITDA | $24.4M | $16.0M | $12.6M | $24.6M |
| Lucro Líquido | $5.2M | $3.4M | $2.4M | $8.5M |
| LPA | $0.11 | $0.07 | $0.05 | $0.17 |
| LPA Diluído | $0.11 | $0.07 | $0.05 | $0.17 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $35.6M | $48.3M | $70.5M | $72.2M | $136.2M | $131.0M | $98.8M | $91.2M | $60.0M | $105.5M |
| Investimentos de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Contas a Receber | 0 | 0 | 0 | $33.9M | $22.9M | $34.2M | $11.1M | $8.8M | $8.4M | 0 |
| Estoque | 0 | -$117.6M | -$182.0M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $75.0M | $64.6M | $114.0M | $118.3M | $176.3M | $190.6M | $134.1M | $115.7M | $80.0M | $105.5M |
| Imobilizado | $15.8M | $17.2M | $23.2M | $73.3M | $62.7M | $48.3M | $41.0M | $28.1M | $12.8M | $9.4M |
| Ágio | 0 | 0 | 0 | 0 | 0 | $104.0M | 0 | 0 | 0 | 0 |
| Ativos Intangíveis | 0 | $5.7M | $5.5M | $18.3M | $27.5M | $131.2M | $139.8M | $114.7M | $86.6M | $71.7M |
| Ativos Totais | $958.2M | $1.22B | $1.74B | $2.20B | $2.01B | $2.95B | $3.61B | $3.41B | $3.23B | $3.26B |
| Contas a Pagar | 0 | $8.2M | $10.6M | $9.8M | $5.2M | $11.6M | $18.1M | $13.7M | $17.6M | $17.4M |
| Dívida de Curto Prazo | 0 | $154.3M | 0 | $60.9M | $246.4M | $393.9M | $317.6M | $290.0M | 0 | $6.7M |
| Passivos Circulantes | $10.4M | $162.5M | $95.9M | $83.6M | $269.5M | $442.0M | $361.9M | $328.4M | $30.1M | $11.5M |
| Dívida de Longo Prazo | $708.2M | $779.7M | $1.22B | $1.55B | $1.41B | $2.16B | $2.93B | $2.91B | $2.80B | $2.80B |
| Passivos Totais | $734.6M | $998.3M | $1.39B | $1.71B | $1.54B | $2.34B | $3.07B | $3.01B | $2.87B | $2.87B |
| Reservas | -$61.6M | -$70.7M | $52.7M | $76.7M | $36.4M | $83.8M | $6.1M | -$173.8M | -$252.5M | -$227.3M |
| Patrimônio Líquido | $223.6M | $216.7M | $346.5M | $488.8M | $466.6M | $603.9M | $547.6M | $404.4M | $353.8M | $390.1M |
| Dívida Total | $708.2M | $934.0M | $1.31B | $1.66B | $1.71B | $2.60B | $3.28B | $3.23B | $2.82B | $2.81B |
| Dívida Líquida | $672.7M | $885.6M | $1.24B | $1.59B | $1.57B | $2.47B | $3.18B | $3.14B | $2.76B | $2.71B |
| Capital de Giro | $64.6M | -$97.9M | $18.1M | $34.6M | -$93.2M | -$251.4M | -$227.8M | -$212.7M | $49.9M | $94.0M |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $104.6M | $105.5M | $209.9M | $139.6M |
| Ativos Totais | $3.19B | $3.26B | $3.17B | $3.13B |
| Passivos Totais | $2.80B | $2.87B | $2.77B | $2.72B |
| Patrimônio Líquido | $383.9M | $390.1M | $396.3M | $407.1M |
| Dívida Total | $2.74B | $2.81B | $2.72B | $2.66B |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $50.9M | -$10.2M | $123.4M | $61.6M | -$45.1M | $47.4M | -$77.7M | -$180.0M | -$78.7M | $25.2M |
| Depreciação e Amortização | $8.4M | $10.6M | $11.8M | $14.1M | $20.2M | $27.1M | $47.5M | $54.9M | $51.2M | 0 |
| Compensação em Ações | $4.5M | $5.7M | $6.8M | $19.2M | $19.5M | $18.9M | $27.6M | $18.6M | $13.0M | 0 |
| Variação Capital de Giro | $7.3M | $18.4M | -$29.9M | $15.1M | -$34.3M | -$10.4M | -$80.7M | -$21.1M | -$30.3M | -$2.3M |
| Fluxo de Caixa Operacional | $113.9M | $139.1M | $138.4M | $218.4M | $152.9M | $163.4M | $247.9M | $392.8M | $393.5M | $413.4M |
| CapEx | -$14.2M | -$12.0M | -$17.9M | -$26.2M | -$21.8M | -$26.5M | -$48.9M | -$31.3M | -$19.2M | -$24.3M |
| Aquisições | 0 | 0 | 0 | 0 | 0 | -$111.7M | 0 | 0 | 0 | 0 |
| Recompra de Ações | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividendos Pagos | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Fluxo de Caixa Livre | $99.7M | $127.1M | $120.4M | $192.2M | $131.1M | $137.0M | $199.0M | $361.5M | $374.3M | $389.1M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $99.0M | $108.9M | $103.7M | $109.3M |
| CapEx | -$6.1M | -$6.2M | -$6.5M | $6.5M |
| Fluxo de Caixa Livre | $92.9M | $102.7M | $97.2M | $115.8M |
| Dividendos Pagos | 0 | 0 | 0 | 0 |
| Compensação em Ações | $2.5M | 0 | 0 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +30.1% | +44.2% | -3.4% | -21.8% | +47.0% | +26.9% | -37.3% | +15.9% | +19.5% |
| Crescimento Lucro Líquido (anual) | | -120.1% | +1309.0% | -50.1% | -173.2% | +205.2% | -264.0% | -131.5% | +56.3% | +132.1% |
| Crescimento LPA (anual) | | -119.9% | +1317.4% | -91.8% | -458.7% | +201.8% | -241.1% | -105.9% | +60.0% | +127.2% |
| Variação de Ações (anual) | | -4.5% | +0.0% | -51.2% | +154.0% | +10.9% | +8.3% | +12.3% | +9.4% | +18.6% |
| Crescimento FCF (anual) | | +27.5% | -5.2% | +59.6% | -31.8% | +4.5% | +45.3% | +81.7% | +3.5% | +3.9% |
| Margem Bruta | 64.3% | 62.7% | 87.9% | 88.9% | 85.2% | 91.8% | 87.3% | 61.0% | 55.3% | 63.7% |
| Margem Operacional | 5.8% | 0.6% | 32.7% | 16.8% | -14.8% | 10.9% | -10.3% | -55.1% | -21.6% | 6.9% |
| Margem EBITDA | 8.8% | 3.5% | 35.0% | 19.6% | -9.6% | 15.6% | -3.8% | -43.2% | -12.0% | 13.4% |
| Margem Líquida | 18.3% | -2.8% | 23.7% | 12.2% | -11.5% | 8.2% | -10.6% | -39.1% | -14.8% | 4.0% |
| Margem FCF | 35.9% | 35.2% | 23.1% | 38.2% | 33.3% | 23.7% | 27.1% | 78.6% | 70.2% | 61.0% |
| Taxa Efetiva de Imposto | -216.8% | 593.3% | 27.5% | 27.0% | 22.4% | 24.5% | -3.3% | 29.1% | 31.7% | 42.7% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $4.31 | $5.76 | $5.46 | $17.85 | $4.80 | $4.52 | $6.06 | $9.80 | $9.28 | $8.13 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Ações em Circulação (Básicas) | $22.0M | $22.0M | $22.0M | $9.3M | $27.3M | $28.2M | $32.8M | $36.9M | $40.4M | $47.9M |
O que olhar em Serviços Financeiros
Asset managers, brokers, fintech, bolsas. Não são bancos — olha AUM, comissões e qualidade do FCF.
- Crescimento receita 5 anos — Sem crescimento, não há criação de valor a longo prazo
- Margem operacional — Bons asset managers têm margens >30% pela escalabilidade
- ROE — Serviços financeiros de qualidade têm ROE >15% consistente
- FCF / Net Income — Qualidade do lucro — >90% esperado em negócios leves em capital
- Dívida / Equity — Fintech e brokers com D/E alto são bombas-relógio em crise
- P/E vs próprio 5 anos — Asset managers têm múltiplos estáveis em intervalos conhecidas
- Dividend yield + buybacks — Estes negócios devolvem muito capital — olhar yield total (div + recompras)
Rentabilidade
| Retorno sobre patrimônio | 4.95% |
| Retorno sobre capital investido | 0.62% |
| Retorno sobre ativos | 0.62% |
| Margem bruta | 70.20% |
| Margem operacional | 5.83% |
| Margem líquida | 2.84% |
Saúde financeira
| Dívida / Patrimônio | 6.54 |
| Liquidez corrente | 17.70 |
| Piotroski F-Score | 8 |
| Altman Z-Score | 0.23 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 7.00 | -35.15 | 2.89 | 51.74 | -11.74 | 12.05 | -2.32 | -0.80 | -1.99 | 9.98 |
| P/VP | 1.59 | 1.64 | 1.03 | 0.46 | 1.13 | 0.95 | 0.33 | 0.36 | 0.44 | 0.65 |
| P/V | 1.28 | 0.99 | 0.68 | 0.44 | 1.35 | 0.99 | 0.25 | 0.31 | 0.29 | 0.40 |
| Margem Bruta | 64.3% | 62.7% | 87.9% | 88.9% | 85.2% | 91.8% | 87.3% | 61.0% | 55.3% | 63.7% |
| Margem Operacional | 5.8% | 0.6% | 32.7% | 16.8% | -14.8% | 10.9% | -10.3% | -55.1% | -21.6% | 6.9% |
| Margem Líquida | 18.3% | -2.8% | 23.7% | 12.2% | -11.5% | 8.2% | -10.6% | -39.1% | -14.8% | 4.0% |