Oportun Financial Corporation
NASDAQ:OPRT
6.18 (USD) • At close July 30, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2025 Q1 | 2024 Q4 | 2024 Q3 | 2024 Q2 | 2024 Q1 | 2023 Q4 | 2023 Q3 | 2023 Q2 | 2023 Q1 | 2022 Q4 | 2022 Q3 | 2022 Q2 | 2022 Q1 | 2021 Q4 | 2021 Q3 | 2021 Q2 | 2021 Q1 | 2020 Q4 | 2020 Q3 | 2020 Q2 | 2020 Q1 | 2019 Q4 | 2019 Q3 | 2019 Q2 | 2019 Q1 | 2018 Q4 | 2018 Q3 | 2018 Q2 | 2018 Q1 | 2017 Q4 | 2017 Q3 | 2017 Q2 | 2017 Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue
| 235.904 | 167.087 | 249.951 | 250.396 | 250.482 | 262.7 | 268.2 | 118.625 | 4.8 | 143.4 | 146.983 | 145.214 | 205.014 | 160.5 | 139.4 | 120.189 | 110.241 | 114.6 | 93.7 | 46.115 | 80.5 | 130.8 | 114.1 | 99.151 | 98.293 | 114.567 | 109.683 | 123.126 | 126.183 | 61.596 | 56.486 | 53.405 | 54.079 |
| Cost of Revenue
| 130.075 | 73.7 | 55.749 | 0 | -0.018 | 0.1 | 0 | -147.975 | -254.712 | 38.6 | 0 | 38.6 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit
| 105.829 | 93.387 | 249.951 | 250.396 | 250.5 | 262.6 | 268.2 | 266.6 | 259.512 | 104.8 | 146.983 | 106.614 | 205.014 | 160.5 | 139.4 | 120.189 | 110.241 | 114.6 | 93.7 | 46.115 | 80.5 | 130.8 | 114.1 | 99.151 | 98.293 | 114.567 | 109.683 | 123.126 | 126.183 | 61.596 | 56.486 | 53.405 | 54.079 |
| Gross Profit Ratio
| 0.449 | 0.559 | 1 | 1 | 1 | 1 | 1 | 2.247 | 54.065 | 0.731 | 1 | 0.734 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Reseach & Development Expenses
| 0 | 20.3 | 0 | 10.1 | 10.2 | 10.7 | 10.8 | 10.6 | 10.1 | 9.5 | 9 | 8.2 | 7.4 | 5.2 | 4.4 | 3.9 | 3.5 | 3.2 | 2.9 | 2.5 | 2.2 | 1.7 | 1.3 | 1 | 0.9 | 0.9 | 0.9 | 0 | 1.7 | 3.1 | 0 | 0 | 0 |
| General & Administrative Expenses
| 15.386 | 26.138 | 23.079 | 43.924 | 36.293 | 45.354 | 22.4 | 51.885 | 56.5 | 54.4 | 54.36 | 55.565 | 49.287 | 46 | 31.7 | 38.725 | 36.824 | 29.4 | 37.8 | 30.321 | 29.4 | 28.8 | 32.5 | 22.472 | 22.235 | 20.419 | 18.9 | 17.327 | 17.473 | 10.363 | 20.86 | 18.851 | 18.403 |
| Selling & Marketing Expenses
| 19.882 | 17.3 | 17.403 | 16.258 | 16.003 | 18.055 | 18.9 | 19.195 | 19.2 | 21.3 | 21.781 | 32.368 | 34.541 | 37.1 | 32.1 | 23.748 | 23.893 | 23.9 | 20.6 | 20.06 | 24.8 | 28.1 | 24.7 | 23.101 | 21.266 | 23.533 | 20.855 | 17.791 | 15.438 | 18.225 | 16.316 | 12.374 | 11.716 |
| SG&A
| 35.268 | 43.447 | 40.482 | 60.182 | 52.296 | 63.409 | 41.3 | 71.08 | 75.7 | 75.7 | 76.141 | 87.933 | 83.828 | 83.1 | 63.8 | 62.473 | 60.717 | 53.3 | 58.4 | 50.381 | 54.2 | 56.9 | 57.2 | 45.573 | 43.501 | 43.952 | 39.755 | 35.118 | 32.911 | 54.017 | 49.957 | 41.558 | 40.763 |
| Other Expenses
| 57.402 | 46.029 | 61.599 | 62.533 | -84.028 | -102.615 | 81.2 | 85.9 | 94.192 | 741.513 | 204.544 | -38.586 | -217.495 | 583.45 | 63.265 | 61.67 | 59.751 | 529.437 | 58.303 | 59.193 | 56.356 | 454.588 | 55.409 | -111.193 | -107.207 | -110.408 | -108.425 | -93.53 | -95.918 | 0 | 0 | 0 | 0 |
| Operating Expenses
| 92.67 | 89.476 | 102.081 | 60.033 | 84.028 | 102.615 | 122.5 | 136.1 | 146.338 | 596.643 | 259.346 | 119.3 | -133.667 | 467.69 | 111.401 | 110.386 | 106.266 | 393.154 | 101.566 | 93.016 | 98.614 | 362.416 | 100.053 | -65.62 | -63.706 | -66.456 | -68.67 | -58.412 | -63.007 | 71.777 | 56.825 | 48.518 | 47.785 |
| Operating Income
| 13.159 | 3.911 | 118.112 | 0 | 86.4 | -57.3 | -37.3 | -17.5 | -102.5 | 27.673 | -85.692 | 4.432 | 71.347 | 32.319 | 38.696 | 21.966 | 17.479 | 28.152 | 5.568 | -31.791 | -1.655 | 46.946 | 29.914 | 33.531 | 34.587 | 48.111 | 41.013 | 64.714 | 63.176 | -2.681 | -0.339 | 4.887 | 6.295 |
| Operating Income Ratio
| 0.056 | 0.023 | 0.473 | 0 | 0.345 | -0.218 | -0.139 | -0.148 | -21.354 | 0.193 | -0.583 | 0.031 | 0.348 | 0.201 | 0.278 | 0.183 | 0.159 | 0.246 | 0.059 | -0.689 | -0.021 | 0.359 | 0.262 | 0.338 | 0.352 | 0.42 | 0.374 | 0.526 | 0.501 | -0.044 | -0.006 | 0.092 | 0.116 |
| Total Other Income Expenses Net
| 0 | 0 | -157.576 | -49.149 | -32.363 | -13.883 | 17.786 | 3.247 | -134.645 | 0.428 | -12.284 | -12.672 | 40.897 | -9.603 | 5.875 | 0.662 | -28.492 | 4.986 | -7.84 | -5.103 | -18.016 | 5.627 | -9.13 | 8.016 | -38.065 | -26.701 | -18.467 | 6.654 | 13.753 | -14.66 | -6.868 | 0 | 0 |
| Income Before Tax
| 13.159 | 3.911 | -39.464 | -49.149 | -30.475 | -57.3 | -37.4 | -17.471 | -141.5 | -7.9 | -112.363 | -12.672 | 57.67 | 20.9 | 28.1 | 9.803 | 3.975 | 14.7 | -7.8 | -46.901 | -18 | 31.2 | 14.4 | 18.898 | 19.968 | 34.814 | 29.081 | 53.79 | 52.41 | -10.181 | -0.339 | 4.887 | 6.295 |
| Income Before Tax Ratio
| 0.056 | 0.023 | -0.158 | -0.196 | -0.122 | -0.218 | -0.139 | -0.147 | -29.479 | -0.055 | -0.764 | -0.087 | 0.281 | 0.13 | 0.202 | 0.082 | 0.036 | 0.128 | -0.083 | -1.017 | -0.224 | 0.239 | 0.126 | 0.191 | 0.203 | 0.304 | 0.265 | 0.437 | 0.415 | -0.165 | -0.006 | 0.092 | 0.116 |
| Income Tax Expense
| 3.392 | -4.827 | -9.508 | -18.124 | -4.036 | -15.5 | -16.2 | -2.572 | -39.4 | 0.5 | -6.536 | -3.515 | 12.007 | 6.7 | 5.1 | 2.553 | 0.956 | 6.2 | -1.8 | -12.653 | -4.7 | 8 | 4.4 | 5.106 | 5.354 | 9.541 | 8.242 | 14.877 | 14.041 | 7.774 | 0.889 | 2.085 | 2.695 |
| Net Income
| 9.767 | 8.738 | -29.956 | -31.025 | -26.439 | -41.8 | -21.1 | -14.899 | -102.1 | -8.4 | -105.827 | -9.157 | 45.663 | 14.166 | 22.979 | 7.25 | 3.019 | 8.513 | -6 | -34.248 | -13.3 | 23.2 | 10 | 13.792 | 14.614 | 25.273 | 20.839 | 38.913 | 38.369 | -10.206 | 0.55 | 2.802 | 3.6 |
| Net Income Ratio
| 0.041 | 0.052 | -0.12 | -0.124 | -0.106 | -0.159 | -0.079 | -0.126 | -21.271 | -0.059 | -0.72 | -0.063 | 0.223 | 0.088 | 0.165 | 0.06 | 0.027 | 0.074 | -0.064 | -0.743 | -0.165 | 0.177 | 0.088 | 0.139 | 0.149 | 0.221 | 0.19 | 0.316 | 0.304 | -0.166 | 0.01 | 0.052 | 0.067 |
| EPS
| 0.21 | 0.2 | -0.75 | -0.78 | -0.68 | -1.09 | -0.55 | -0.41 | -3 | -0.25 | -3.21 | -0.28 | 1.42 | 0.49 | 0.82 | 0.26 | 0.11 | 0.31 | -0.22 | -1.26 | -0.49 | 0.86 | 0.37 | 0.52 | 0.66 | 1.15 | 0.95 | 1.77 | 1.74 | -0.46 | 0.025 | 0.13 | 0.16 |
| EPS Diluted
| 0.21 | 0.2 | -0.75 | -0.78 | -0.68 | -1.09 | -0.55 | -0.41 | -3 | -0.25 | -3.21 | -0.28 | 1.37 | 0.46 | 0.75 | 0.24 | 0.1 | 0.29 | -0.22 | -1.26 | -0.49 | 0.81 | 0.36 | 0.52 | 0.66 | 1.15 | 0.94 | 1.77 | 1.74 | -0.45 | 0.024 | 0.12 | 0.16 |
| EBITDA
| 24.227 | 15.391 | 0 | 0 | 0 | -84.533 | -23.426 | -3.702 | -128.144 | 0 | -100.079 | 0 | 68.367 | 27.638 | 33.811 | 17.547 | 0 | 20.005 | 0 | -41.798 | 0 | 35.594 | 18.006 | 22.086 | 22.847 | 37.939 | 32.071 | 56.648 | 55.26 | 0.249 | 2.365 | 0 | -3.6 |
| EBITDA Ratio
| 0.103 | 0.092 | 0 | 0 | 0 | -0.322 | -0.087 | -0.031 | -26.697 | 0 | -0.681 | 0 | 0.333 | 0.172 | 0.243 | 0.146 | 0 | 0.175 | 0 | -0.906 | 0 | 0.272 | 0.158 | 0.223 | 0.232 | 0.331 | 0.292 | 0.46 | 0.438 | 0.004 | 0.042 | 0 | -0.067 |