OPRT
Oportun Financial Corp
NASDAQ · Financial Services · Financial - Credit Services · US
$12.65
+26.00%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 770.7M | 637.3M | 533.4M | 460.1M | 733.7M |
| Cost of Revenue | 147.8M | 231.5M | 238.2M | 179.4M | 93.0M |
| Gross Profit | 376.5M | 405.8M | 295.2M | 280.7M | 640.7M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 191.4M | 184.5M | 207.4M | 269.5M | 323.7M |
| General & Admin Expense | 136.6M | 113.9M | 140.4M | 194.2M | 213.7M |
| Selling & Marketing Expense | 54.8M | 70.6M | 67.0M | 75.3M | 110.0M |
| Other Expenses | 251.3M | 177.2M | 203.0M | 264.8M | 392.2M |
| Total Operating Expenses | 442.7M | 361.8M | 410.4M | 534.3M | 715.9M |
| Cost and Expenses | 498.6M | 593.3M | 648.5M | 713.7M | 809.0M |
| Operating Income (EBIT) | 25.8M | 44.1M | (115.2M) | (253.7M) | (75.3M) |
| Non-Operating | |||||
| Interest Income | 902.8M | 910.6M | 949.7M | 984.6M | 876.1M |
| Interest Expense | 188.9M | 231.5M | 238.2M | 179.4M | 93.0M |
| Net Interest Income | 523.6M | 679.1M | 711.5M | 805.2M | 786.9M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 60.4M | 44.1M | (115.2M) | (253.7M) | (75.3M) |
| Income Tax Expense | 23.2M | 18.8M | (36.5M) | (73.7M) | 2.5M |
| Bottom Line | |||||
| Net Income | 37.2M | 25.2M | (78.7M) | (180.0M) | (77.7M) |
| Earnings from Cont. Ops | 37.2M | 25.2M | (78.7M) | (180.0M) | (77.7M) |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 37.1M | 25.2M | (78.7M) | (180.0M) | (77.7M) |
| Per Share | |||||
| Basic EPS | $0.74 | $0.53 | ($1.95) | ($4.88) | ($2.37) |
| Diluted EPS | $0.74 | $0.53 | ($1.95) | ($4.88) | ($2.37) |
| Revenue Per Share | $15.12 | $13.32 | $13.22 | $12.48 | $22.35 |
| Shares | |||||
| Basic Shares Outstanding | 51.0M | 47.9M | 40.4M | 36.9M | 32.8M |
| Diluted Shares Outstanding | 51.0M | 47.9M | 40.4M | 36.9M | 32.8M |
| Profitability Metrics | |||||
| EBITDA | 53.1M | 85.5M | (64.0M) | (198.8M) | (27.8M) |
| D&A | 27.3M | 41.4M | 51.2M | 54.9M | 47.5M |
| EBIT | 25.8M | 44.1M | (115.2M) | (253.7M) | (75.3M) |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026