Oportun Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	894.3	925.47	963.5	876.11	575.84	545.47
Total Interest Expense	247.26	238.16	179.41	93.05	47.67	58.37
Net Interest Income	647.04	687.31	784.08	783.07	528.17	487.1
Other Revenue	65.58	76.31	93.42	76.43	50.94	38.27
Revenue Before Loan Losses	712.62	763.62	877.51	859.5	579.11	525.37
Revenue	712.62	763.62	877.51	859.5	579.11	525.37
Revenue Growth (YoY)	-10.59%	-12.98%	2.10%	48.42%	10.23%	-3.44%
Salaries & Employee Benefits	82.85	90.66	126.51	161.99	118.8	110.27
Cost of Services Provided	284.38	316.66	385.33	413.92	322.09	270.43
Total Operating Expenses	686.89	738.73	875.66	852.7	560.3	547.6
Operating Income	25.73	24.89	1.85	6.8	18.81	-22.23
EBT Excluding Unusual Items	41.59	-112.11	-231.17	64.75	89.59	-45.64
Restructuring Charges	-0.17	-3.07	-22.49	-1.88	-12.83	-
Impairment of Goodwill	-	-	-	-108.47	-	-
Pretax Income	41.42	-115.18	-253.65	-75.29	62.79	-58.09
Income Tax Expense	10.84	-36.5	-73.7	2.46	15.38	-13.01
Net Income	30.58	-78.68	-179.95	-77.74	47.41	-45.08
Net Income to Common	30.58	-78.68	-179.95	-77.74	47.41	-45.08
Shares Outstanding (Basic)	45	40	37	33	28	27
Shares Outstanding (Diluted)	46	40	37	33	30	27
Shares Change (YoY)	18.32%	9.44%	12.34%	8.25%	10.94%	153.98%
EPS (Basic)	0.67	-1.95	-4.88	-2.37	1.68	-1.65
EPS (Diluted)	0.66	-1.95	-4.88	-2.37	1.56	-1.65
Free Cash Flow	395.99	393.52	392.77	247.88	163.45	152.87
Free Cash Flow Per Share	8.52	9.75	10.65	7.55	5.39	5.59
Operating Margin	3.61%	3.26%	0.21%	0.79%	3.25%	-4.23%
Profit Margin	4.29%	-10.30%	-20.51%	-9.04%	8.19%	-8.58%
Free Cash Flow Margin	55.57%	51.53%	44.76%	28.84%	28.22%	29.10%
Effective Tax Rate	26.17%	-	-	-	24.49%	-
Revenue as Reported	959.88	1,002	1,057	952.55	626.78	583.73

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.