Oportun Financial Corporation (OPRT)

Oportun Financial Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	925.5	963.5	876.11	575.84	545.47
Total Interest Expense	238.2	179.41	93.05	47.67	58.37
Net Interest Income	687.3	784.08	783.07	528.17	487.1
Other Revenue	76.3	93.42	76.43	50.94	38.27
Revenue Before Loan Losses	763.6	877.51	859.5	579.11	525.37
Revenue	763.6	877.51	859.5	579.11	525.37
Revenue Growth (YoY)	-12.98%	2.09%	48.42%	10.23%	-3.44%
Salaries & Employee Benefits	87.2	126.51	161.99	118.8	110.27
Cost of Services Provided	323.2	357.69	413.92	322.09	270.43
Total Operating Expenses	410.4	848.02	852.7	560.3	547.6
Operating Income	353.2	29.49	6.8	18.81	-22.23
EBT Excluding Unusual Items	-115.2	-203.53	64.75	89.59	-45.64
Restructuring Charges	-	-22.49	-1.88	-12.83	-
Impairment of Goodwill	-	-	-108.47	-	-
Pretax Income	-115.2	-253.65	-75.29	62.79	-58.09
Income Tax Expense	-36.5	-73.7	2.46	15.38	-13.01
Net Income	-78.7	-179.95	-77.74	47.41	-45.08
Net Income to Common	-78.7	-179.95	-77.74	47.41	-45.08
Shares Outstanding (Basic)	40	37	33	28	27
Shares Outstanding (Diluted)	40	37	33	30	27
Shares Change (YoY)	9.44%	12.34%	8.25%	10.94%	153.98%
EPS (Basic)	-1.95	-4.88	-2.37	1.68	-1.65
EPS (Diluted)	-1.95	-4.88	-2.37	1.56	-1.65
Free Cash Flow	393.5	392.77	247.88	163.45	152.87
Free Cash Flow Per Share	9.75	10.65	7.55	5.39	5.59
Operating Margin	46.25%	3.36%	0.79%	3.25%	-4.23%
Profit Margin	-10.31%	-20.51%	-9.05%	8.19%	-8.58%
Free Cash Flow Margin	51.53%	44.76%	28.84%	28.22%	29.10%
Effective Tax Rate	-	-	-	24.49%	-
Revenue as Reported	1,002	1,057	952.55	626.78	583.73

Source: S&P Capital IQ. Financial Services template. Financial Sources.