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	2015 - 2019
Period Ending	Mar '25 Mar 31, 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	2015 - 2019
Interest and Dividend Income	915.07	925.47	963.5	876.11	575.84	545.47	Upgrade
Total Interest Expense	241.06	238.16	179.41	93.05	47.67	58.37	Upgrade
Net Interest Income	674.01	687.31	784.08	783.07	528.17	487.1	Upgrade
Other Revenue	72.11	76.31	93.42	76.43	50.94	38.27	Upgrade
Revenue Before Loan Losses	746.12	763.62	877.51	859.5	579.11	525.37	Upgrade
Revenue	746.12	763.62	877.51	859.5	579.11	525.37	Upgrade
Revenue Growth (YoY)	-12.53%	-12.98%	2.10%	48.42%	10.23%	-3.44%	Upgrade
Salaries & Employee Benefits	87.16	90.66	126.51	161.99	118.8	110.27	Upgrade
Cost of Services Provided	303.26	316.66	385.33	413.92	322.09	270.43	Upgrade
Total Operating Expenses	721.83	738.73	875.66	852.7	560.3	547.6	Upgrade
Operating Income	24.29	24.89	1.85	6.8	18.81	-22.23	Upgrade
EBT Excluding Unusual Items	-68.51	-112.11	-231.17	64.75	89.59	-45.64	Upgrade
Restructuring Charges	-3.07	-3.07	-22.49	-1.88	-12.83	-	Upgrade
Impairment of Goodwill	-	-	-	-108.47	-	-	Upgrade
Pretax Income	-71.58	-115.18	-253.65	-75.29	62.79	-58.09	Upgrade
Income Tax Expense	-29.1	-36.5	-73.7	2.46	15.38	-13.01	Upgrade
Net Income	-42.48	-78.68	-179.95	-77.74	47.41	-45.08	Upgrade
Net Income to Common	-42.48	-78.68	-179.95	-77.74	47.41	-45.08	Upgrade
Shares Outstanding (Basic)	42	40	37	33	28	27	Upgrade
Shares Outstanding (Diluted)	42	40	37	33	30	27	Upgrade
Shares Change (YoY)	11.24%	9.44%	12.34%	8.25%	10.94%	153.98%	Upgrade
EPS (Basic)	-1.00	-1.95	-4.88	-2.37	1.68	-1.65	Upgrade
EPS (Diluted)	-1.00	-1.95	-4.88	-2.37	1.56	-1.65	Upgrade
Free Cash Flow	408.62	393.52	392.77	247.88	163.45	152.87	Upgrade
Free Cash Flow Per Share	9.64	9.75	10.65	7.55	5.39	5.59	Upgrade
Operating Margin	3.26%	3.26%	0.21%	0.79%	3.25%	-4.23%	Upgrade
Profit Margin	-5.69%	-10.30%	-20.51%	-9.04%	8.19%	-8.58%	Upgrade
Free Cash Flow Margin	54.77%	51.53%	44.76%	28.84%	28.22%	29.10%	Upgrade
Effective Tax Rate	-	-	-	-	24.49%	-	Upgrade
Revenue as Reported	987.18	1,002	1,057	952.55	626.78	583.73	Upgrade

Updated Feb 20, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

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