OPRT
Oportun Financial Corp
NASDAQ: OPRT · FINANCIAL SERVICES · CREDIT SERVICES
$6.09
+5.18% today
Updated 2026-04-30
Market cap
$263.00M
P/E ratio
11.15
P/S ratio
0.36x
EPS (TTM)
$0.53
Dividend yield
—
52W range
$4 – $8
Volume
0.5M
Oportun Financial Corp (OPRT) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $195.23M | $277.52M | $360.95M | $520.48M | $502.91M | $393.43M | $578.15M | $733.70M | $460.08M | $533.36M | $637.34M |
| Revenue growth (YoY) | — | +42.2% | +30.1% | +44.2% | -3.4% | -21.8% | +47.0% | +26.9% | -37.3% | +15.9% | +19.5% |
| Cost of revenue | $46.74M | $99.14M | $134.71M | $63.07M | $56.06M | $58.37M | $47.67M | $93.05M | $179.41M | $238.16M | $231.50M |
| Gross profit | $195.23M | $178.39M | $226.24M | $457.41M | $446.85M | $335.06M | $530.48M | $640.66M | $280.67M | $295.20M | $405.84M |
| Gross margin | 100.0% | 64.3% | 62.7% | 87.9% | 88.9% | 85.2% | 91.8% | 87.3% | 61.0% | 55.3% | 63.7% |
| R&D | $2.00M | $2.70M | $3.10M | $3.50M | $4.90M | $10.80M | $16.90M | $34.20M | $42.30M | — | — |
| SG&A | $43.18M | $48.63M | $64.04M | $74.12M | $106.04M | $126.92M | $153.31M | $213.69M | $194.23M | $140.38M | $68.80M |
| Operating income | $9.52M | $16.06M | $2.07M | $170.09M | $84.43M | $-58.09M | $62.79M | $-75.29M | $-253.65M | $-115.18M | $44.08M |
| Operating margin | 4.9% | 5.8% | 0.6% | 32.7% | 16.8% | -14.8% | 10.9% | -10.3% | -55.1% | -21.6% | 6.9% |
| EBITDA | $14.72M | $24.43M | $12.66M | $181.92M | $98.53M | $-37.87M | $89.90M | $-27.75M | $-198.77M | $-64.02M | $85.49M |
| EBITDA margin | 7.5% | 8.8% | 3.5% | 35.0% | 19.6% | -9.6% | 15.6% | -3.8% | -43.2% | -12.0% | 13.4% |
| EBIT | $9.52M | $16.06M | $2.07M | $170.09M | $84.43M | $-58.09M | $62.79M | $-75.29M | $-253.65M | $-115.18M | $44.08M |
| Interest expense | $0.00 | $28.77M | $36.40M | $46.92M | $60.50M | $58.40M | $47.70M | $93.00M | $179.41M | $238.16M | $231.50M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $8.39M | $50.86M | $-10.21M | $123.39M | $61.60M | $-45.08M | $47.41M | $-77.74M | $-179.95M | $-78.68M | $25.20M |
| Net income growth (YoY) | — | +505.8% | -120.1% | +1309.0% | -50.1% | -173.2% | +205.2% | -264.0% | -131.5% | +56.3% | +132.0% |
| Profit margin | 4.3% | 18.3% | -2.8% | 23.7% | 12.2% | -11.5% | 8.2% | -10.6% | -39.1% | -14.8% | 4.0% |