Oportun Financial Corporation (OPRT) quarterly income statement — complete revenue, gross profit & net income history
Oportun Financial Corporation (OPRT) annual income statement — 10-year revenue, gross profit & net income history
| Metric | Q2'26 | 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 |
|---|
| Net Interest Income | 177.4M | 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 |
| NII Growth % | 10.29% | 0.28% | 8.44% | -5.49% | -12.12% | -7.5% | -22.08% | -8.3% | -8.84% | -11.31% | 1.3% | -4.45% | 5.37% | 14.16% | 27.78% | 52.33% | 63.67% | 57.06% | 40.13% | 16.94% |
| Net Interest Margin % | 5.67% | 5.29% | 5.48% | 5.34% | 5.02% | 5.18% | 5.1% | 5.54% | 5.63% | 5.52% | 6.19% | 5.72% | 5.78% | 5.82% | 5.77% | 5.8% | 5.69% | 5.97% | 5.54% | 5.74% |
| Interest Income | 219.3M | 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 |
| Interest Expense | 41.9M | 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 |
| Loan Loss Provision | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4K | -35K | 0 | 0 | -6K | 0 | 0 | 0 | 28K | -26K |
| Non-Interest Income | 13.9M | -72.89M | -88.06M | -65.06M | -56.29M | -61.41M | -71.19M | -117.39M | -122.99M | -101.63M | -139.13M | -111.2M | -82.16M | -199.04M | -65.06M | -58.46M | -45.34M | 26.45M | -2.64M | 4.7M |
| Non-Interest Income % | 7.27% | -76.89% | -97.41% | -61.94% | -53.84% | -58.03% | -76.23% | -187.47% | -204.88% | -128.37% | -192.96% | -130.68% | -69.26% | -4142.46% | -45.35% | -39.77% | -31.22% | 12.9% | -1.65% | 3.37% |
| Total Net Revenue | 191.3M | 94.81M | 90.41M | 105.05M | 104.55M | 105.83M | 93.39M | 62.62M | 60.03M | 79.17M | 72.1M | 85.09M | 118.63M | 4.8M | 143.45M | 146.98M | 145.21M | 205.01M | 160.54M | 139.57M |
| Revenue Growth % | 82.97% | -10.42% | -3.19% | 67.77% | 74.15% | 33.68% | 29.52% | -26.41% | -49.39% | 1547.6% | -49.74% | -42.11% | -18.31% | -97.66% | -10.65% | 5.31% | 20.82% | 85.97% | 40.01% | 48.85% |
| Non-Interest Expense | 175.7M | 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 |
| Efficiency Ratio | 91.85% | 96.2% | 92.74% | 86.44% | 90.33% | 87.57% | 95.81% | 163.02% | 181.87% | 138.49% | 179.44% | 143.97% | 114.73% | 3045.54% | 105.52% | 176.45% | 108.73% | 71.87% | 86.98% | 79.82% |
| Operating Income | 15.6M | 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 |
| Operating Margin % | 8.15% | 3.8% | 7.26% | 13.56% | 9.67% | 12.43% | 4.19% | -63.02% | -81.87% | -38.49% | -79.44% | -43.92% | -14.73% | -2945.54% | -5.52% | -76.45% | -8.73% | 28.13% | 13.01% | 20.15% |
| Operating Income Growth % | 54.33% | -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% |
| Pretax Income | 15.6M | 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 |
| Pretax Margin % | 8.15% | 3.8% | 7.26% | 13.56% | 9.67% | 12.43% | 4.19% | -63.02% | -81.87% | -38.49% | -79.44% | -43.92% | -14.73% | -2945.54% | -5.52% | -76.45% | -8.73% | 28.13% | 13.01% | 20.15% |
| Income Tax | 7.1M | 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 |
| Effective Tax Rate % | 45.51% | 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% |
| Net Income | 8.5M | 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 |
| Net Margin % | 4.44% | 2.53% | 3.77% | 4.95% | 6.58% | 9.23% | 9.36% | -47.84% | -51.68% | -33.4% | -58.01% | -24.84% | -12.56% | -2124.66% | -5.87% | -72% | -6.31% | 22.27% | 8.82% | 16.46% |
| Net Income Growth % | 23.6% | -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% |
| Net Income (Continuing) | 8.5M | 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 |
| EPS (Diluted) | 0.17 | 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 |
| EPS Growth % | 21.43% | -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% |
| EPS (Basic) | 0.17 | 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 |
| Diluted Shares Outstanding | 48.95M | 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 |