Oportun Financial Corporation (OPRT) Earnings History
Annual and quarterly earnings data from 2016 to 2025
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OPRT EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
OPRT Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 63.7% | 6.9% | 4.0% |
| 2024 | 55.3% | -21.6% | -14.8% |
| 2023 | 61.0% | -55.1% | -39.1% |
| 2022 | 87.3% | -10.3% | -10.6% |
| 2021 | 91.8% | 10.9% | 8.2% |
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Oportun Financial Corporation (OPRT) Earnings Overview
As of May 6, 2026, Oportun Financial Corporation (OPRT) reported trailing twelve-month net income of $25M, reflecting +127.2% year-over-year growth. The company earned $0.52 per diluted share over the past four quarters, with a net profit margin of 4.0%.
Looking at the long-term picture, OPRT's historical earnings data spans multiple years. The company achieved its highest annual net income of $123M in fiscal 2018.
Oportun Financial Corporation maintains positive profitability with a gross margin of 63.7%, operating margin of 6.9%, and net margin of 4.0%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including ENVA ($327M net income, 9.8% margin), WRLD ($43M net income, 15.9% margin), RM ($49M net income, 6.9% margin), OPRT has room to improve margins relative to the peer group. Compare OPRT vs ENVA →
OPRT Earnings vs Peers
Earnings metrics vs comparable public companies
OPRT Historical Earnings Data (2016–2025)
10 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $25M | +132.0% | $44M | $0.53 | 4.0% | 6.9% |
| 2024 | -$79M | +56.3% | -$115M | $-1.95 | -14.8% | -21.6% |
| 2023 | -$180M | -131.5% | -$254M | $-4.88 | -39.1% | -55.1% |
| 2022 | -$78M | -264.0% | -$75M | $-2.37 | -10.6% | -10.3% |
| 2021 | $47M | +205.2% | $63M | $1.56 | 8.2% | 10.9% |
| 2020 | -$45M | -173.2% | -$58M | $-1.65 | -11.5% | -14.8% |
| 2019 | $62M | -50.1% | $84M | $0.40 | 12.2% | 16.8% |
| 2018 | $123M | +1309.0% | $170M | $5.59 | 23.7% | 32.7% |
| 2017 | -$10M | -120.1% | $2M | $-0.46 | -2.8% | 0.6% |
| 2016 | $51M | - | $16M | $2.20 | 18.3% | 5.8% |
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Start ComparisonOPRT — Frequently Asked Questions
Quick answers to the most common questions about buying OPRT stock.
Is OPRT growing earnings?
OPRT EPS is $0.52, with earnings growth accelerating to +127.2%. This exceeds the 5-year CAGR of N/A. TTM net income reached $25M.
What are OPRT's profit margins?
Oportun Financial Corporation net margin is +4.0%, with operating margin at +6.9%. Below-average margins reflect competitive or cost pressures.
How consistent are OPRT's earnings?
OPRT earnings data spans 2016-2025. The accelerating earnings trend is +127.2% YoY. Historical data enables comparison across business cycles.