Oportun Financial Corporation (OPRT) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 94.81M | 90.41M | 105.05M | 104.55M | 105.83M | 93.39M | 62.62M | 60.03M | 79.17M | 72.1M | 85.14M | 118.63M | 4.8M | 143.45M | 146.98M | 145.21M | 205.01M | 160.53M | 139.52M | 120.19M |
| Gross Margin % | 66.39% | 60.94% | 64.98% | 63.72% | 64.83% | 55.89% | 52.9% | 52.53% | 59.24% | 58.1% | 64.45% | 74.11% | 10.97% | 80.12% | 84.64% | 89.46% | 93.75% | 93.35% | 92.96% | 90.81% |
| Gross Profit Growth % | -10.42% | -3.19% | 67.77% | 74.15% | 33.68% | 29.52% | -26.45% | -49.39% | 1547.6% | -49.74% | -42.08% | -18.31% | -97.66% | -10.64% | 5.35% | 20.82% | 85.97% | 40.05% | 48.86% | 160.63% |
| Operating Expenses | 91.21M | 83.84M | 90.81M | 94.44M | 92.67M | 89.48M | 102.08M | 109.18M | 109.64M | 129.38M | 122.51M | 136.1M | 146.34M | 151.37M | 259.35M | 157.89M | 147.34M | 139.64M | 111.4M | 110.39M |
| OpEx % of Revenue | 63.87% | 56.52% | 56.17% | 57.56% | 56.77% | 53.55% | 86.24% | 95.54% | 82.05% | 104.25% | 92.74% | 85.02% | 334.09% | 84.54% | 149.35% | 97.27% | 67.38% | 81.21% | 74.22% | 83.4% |
| Selling, General & Admin | 25.53M | 42.19M | 46.02M | 48.09M | 48.22M | 43.45M | 51.43M | 60.18M | 52.3M | 63.41M | 59.36M | 71.08M | 75.66M | 75.82M | 76.14M | 87.93M | 83.83M | 83.18M | 63.83M | 62.47M |
| SG&A % of Revenue | 17.88% | 28.44% | 28.47% | 29.31% | 29.54% | 26% | 43.45% | 52.66% | 39.13% | 51.09% | 44.94% | 44.4% | 172.74% | 42.35% | 43.85% | 54.17% | 38.33% | 48.37% | 42.52% | 47.2% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 3.6M | 6.57M | 14.24M | 10.11M | 13.16M | 3.91M | -39.46M | -49.15M | -30.48M | -57.28M | -37.37M | -17.47M | -141.53M | -7.92M | -112.36M | -12.67M | 57.67M | 20.89M | 28.12M | 9.8M |
| Operating Margin % | 2.52% | 4.43% | 8.81% | 6.16% | 8.06% | 2.34% | -33.34% | -43.01% | -22.81% | -46.15% | -28.29% | -10.91% | -323.12% | -4.42% | -64.71% | -7.81% | 26.37% | 12.15% | 18.74% | 7.41% |
| Operating Income Growth % | -72.64% | 67.86% | 136.09% | 120.57% | 143.18% | 106.83% | -5.6% | -181.32% | 78.47% | -623.13% | 66.74% | -37.87% | -345.42% | -137.92% | -499.56% | -229.27% | 1350.82% | 42.47% | 458.7% | 120.9% |
| EBITDA | 12.6M | 16.03M | 24.4M | 20.82M | 24.23M | 15.39M | -25.99M | -36.14M | -17.28M | -43.5M | -23.43M | -3.7M | -128.14M | 4.99M | -100.08M | -1.03M | 68.37M | 27.61M | 33.81M | 17.55M |
| EBITDA Margin % | 8.82% | 10.81% | 15.09% | 12.69% | 14.84% | 9.21% | -21.96% | -31.63% | -12.93% | -35.05% | -17.73% | -2.31% | -292.55% | 2.79% | -57.63% | -0.63% | 31.26% | 16.06% | 22.53% | 13.26% |
| EBITDA Growth % | -47.99% | 4.18% | 193.89% | 157.61% | 240.23% | 135.38% | -10.95% | -876.31% | 86.52% | -972.01% | 76.59% | -259.77% | -287.44% | -81.94% | -396% | -105.86% | 525.38% | 38.03% | 1341.68% | 141.98% |
| D&A (Non-Cash Add-back) | 9M | 9.47M | 10.16M | 10.71M | 11.07M | 11.48M | 13.47M | 13.01M | 13.2M | 13.78M | 13.94M | 13.77M | 13.39M | 12.91M | 12.28M | 11.64M | 10.7M | 6.72M | 5.69M | 7.74M |
| EBIT | 3.6M | 6.57M | 14.24M | 10.11M | 13.16M | 3.91M | -39.46M | -49.15M | -30.48M | -57.28M | -37.37M | -17.47M | -141.53M | -7.92M | -112.36M | -12.67M | 57.67M | 20.89M | 28.12M | 9.8M |
| Net Interest Income | 167.7M | 178.47M | 170.12M | 160.84M | 167.24M | 164.58M | 180M | 183.03M | 180.79M | 211.23M | 196.29M | 200.78M | 203.85M | 208.51M | 205.44M | 190.55M | 178.56M | 163.19M | 134.87M | 116.43M |
| Interest Income | 215.7M | 236.41M | 226.74M | 220.38M | 224.64M | 238.28M | 235.75M | 237.27M | 235.26M | 263.23M | 243.3M | 242.23M | 242.85M | 244.1M | 232.12M | 207.66M | 192.24M | 174.6M | 145.4M | 128.59M |
| Interest Expense | 48M | 57.94M | 56.62M | 59.54M | 57.4M | 73.7M | 55.75M | 54.24M | 54.47M | 52M | 47M | 41.45M | 39M | 35.6M | 26.67M | 17.1M | 13.68M | 11.4M | 10.6M | 12.16M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 3.6M | 6.57M | 14.24M | 10.11M | 13.16M | 3.91M | -39.46M | -49.15M | -30.48M | -57.28M | -37.37M | -17.47M | -141.53M | -7.92M | -112.36M | -12.67M | 57.67M | 20.89M | 28.12M | 9.8M |
| Pretax Margin % | 2.52% | 4.43% | 8.81% | 6.16% | 8.06% | 2.34% | -33.34% | -43.01% | -22.81% | -46.15% | -28.29% | -10.91% | -323.12% | -4.42% | -64.71% | -7.81% | 26.37% | 12.15% | 18.74% | 7.41% |
| Income Tax | 1.2M | 3.16M | 9.05M | 3.23M | 3.39M | -4.83M | -9.51M | -18.12M | -4.04M | -15.46M | -16.23M | -2.57M | -39.44M | 502K | -6.54M | -3.52M | 12.01M | 6.72M | 5.14M | 2.55M |
| Effective Tax Rate % | 33.33% | 48.15% | 63.51% | 31.96% | 25.78% | -123.42% | 24.09% | 36.88% | 13.24% | 26.98% | 43.44% | 14.72% | 27.87% | -6.34% | 5.82% | 27.74% | 20.82% | 32.19% | 18.29% | 26.04% |
| Net Income | 2.4M | 3.4M | 5.2M | 6.88M | 9.77M | 8.74M | -29.96M | -31.02M | -26.44M | -41.82M | -21.14M | -14.9M | -102.09M | -8.42M | -105.83M | -9.16M | 45.66M | 14.17M | 22.98M | 7.25M |
| Net Margin % | 1.68% | 2.29% | 3.22% | 4.19% | 5.98% | 5.23% | -25.31% | -27.15% | -19.78% | -33.7% | -16% | -9.31% | -233.07% | -4.7% | -60.94% | -5.64% | 20.88% | 8.24% | 15.31% | 5.48% |
| Net Income Growth % | -75.43% | -61.04% | 117.35% | 122.17% | 136.94% | 120.89% | -41.72% | -108.24% | 74.1% | -396.55% | 80.03% | -62.71% | -323.57% | -159.46% | -560.54% | -226.3% | 1412.52% | 66.4% | 480.07% | 121.17% |
| Net Income (Continuing) | 2.4M | 3.4M | 5.2M | 6.88M | 9.77M | 8.74M | -29.96M | -31.02M | -26.44M | -41.82M | -21.14M | -14.9M | -102.09M | -8.42M | -105.83M | -9.16M | 45.66M | 14.17M | 22.98M | 7.25M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.05 | 0.07 | 0.11 | 0.14 | 0.21 | 0.20 | -0.75 | -0.78 | -0.68 | -1.09 | -0.55 | -0.41 | -3.00 | -0.25 | -3.21 | -0.28 | 1.37 | 0.46 | 0.75 | 0.24 |
| EPS Growth % | -76.19% | -64.7% | 114.67% | 117.95% | 130.88% | 118.35% | -36.36% | -90.24% | 77.33% | -336% | 82.87% | -46.43% | -318.98% | -154.35% | -528% | -216.67% | 1270% | 58.62% | 440.91% | 119.05% |
| EPS (Basic) | 0.05 | 0.07 | 0.11 | 0.15 | 0.21 | 0.20 | -0.75 | -0.78 | -0.68 | -1.09 | -0.55 | -0.41 | -3.00 | -0.25 | -3.21 | -0.28 | 1.42 | 0.49 | 0.82 | 0.26 |
| Diluted Shares Outstanding | 48.5M | 48.18M | 48.31M | 47.89M | 47.04M | 43.55M | 39.96M | 39.82M | 38.9M | 38.49M | 38.28M | 36.69M | 33.98M | 33.23M | 33.01M | 32.83M | 33.32M | 31.11M | 30.5M | 30.05M |
| Basic Shares Outstanding | 48.5M | 48.18M | 46.71M | 46.57M | 45.5M | 42.72M | 39.96M | 39.82M | 38.9M | 38.49M | 38.28M | 36.69M | 33.98M | 33.23M | 33.01M | 32.7M | 32.22M | 28.81M | 28.17M | 28M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |