Oportun Financial Corporation (OPRT) Earnings History
Profitable10 years of earnings data (2016–2025) · Positive TTM net income
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Oportun Financial Corporation (OPRT) Earnings Overview
As of June 21, 2026, Oportun Financial Corporation (OPRT) reported trailing twelve-month net income of $18M, reflecting +127.2% year-over-year growth. The company earned $0.37 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
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OPRT Historical Earnings Data (2016–2025)
10 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $25M | +132.1% | $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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OPRT — Frequently Asked Questions
Quick answers to the most common questions about buying OPRT stock.
What is OPRT earnings per share (EPS)?
OPRT trailing twelve-month (TTM) diluted EPS is $0.37, reflecting +127.2% year-over-year growth. The 5-year EPS CAGR is N/A. Complete EPS history from 2016 to 2025 is available in the table on this page.
What is Oportun Financial Corporation's net income?
Oportun Financial Corporation (OPRT) trailing twelve-month net income is $18M as of 2025. Earnings grew +127.2% year-over-year.
Is OPRT profitable?
Yes, OPRT is profitable with a TTM net income of $18M and a net profit margin of +4.0%.
What is OPRT's earnings growth rate?
OPRT compound annual EPS growth rates (CAGR): 1-Year: N/A, 3-Year: N/A, 5-Year: N/A, 10-Year: N/A. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2016 to 2025.
What are OPRT's profit margins?
Oportun Financial Corporation net profit margin is +4.0%, operating margin is +6.9%, and gross margin is +63.7%. Below-average margins reflect competitive or cost pressures. Return on Equity is +6.8%.
Is OPRT growing earnings?
Yes, OPRT earnings are accelerating — EPS growth of +127.2% exceeds the 5-year CAGR of N/A. TTM net income reached $18M. Earnings momentum is strengthening.
What was OPRT's best earnings year?
Oportun Financial Corporation's highest annual net income on record is $123M, achieved in fiscal year 2018. Earnings history on this page spans 2016 to 2025 and includes all annual and quarterly figures.
What were OPRT's earnings last quarter?
OPRT's most recent reported quarter was Q1 2026. Net income was $2M with diluted EPS of $0.05. For a full breakdown of all quarters, see the quarterly earnings table on this page.