Oportun Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	956.69	1,002	1,057	952.55	626.78
Revenue Growth (YoY)	-4.50%	-5.22%	10.96%	51.97%	7.38%
Gross Profit	956.69	1,002	1,057	952.55	626.78
Selling, General & Admin	361.76	410.38	534.32	607.47	467.69
Other Operating Expenses	550.85	706.57	776.25	420.36	96.3
Total Operating Expenses	912.61	1,117	1,311	1,028	563.99
Operating Income	44.08	-115.18	-253.65	-75.29	62.79
Pretax Income	44.08	-115.18	-253.65	-75.29	62.79
Provision for Income Taxes	18.83	-36.5	-73.7	2.46	15.38
Net Income	25.25	-78.68	-179.95	-77.74	47.41
Net Income to Common	25.25	-78.68	-179.95	-77.74	47.41
Shares Outstanding (Basic)	46,419	40,356	37	33	28
Shares Outstanding (Diluted)	47,859	40,356	37	33	30
Shares Change (YoY)	18.59%	109337.25%	12.34%	8.25%	10.94%
EPS (Basic)	0.54	-1.95	-4.88	-2.37	1.68
EPS (Diluted)	0.53	-1.95	-4.88	-2.37	1.56
Free Cash Flow	413.41	393.52	392.77	247.88	163.45
Free Cash Flow Growth	5.05%	0.19%	58.45%	51.65%	6.92%
Free Cash Flow Per Share	0.01	0.01	10.65	7.55	5.39
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	4.61%	-11.50%	-24.00%	-7.90%	10.02%
Profit Margin	2.64%	-7.85%	-17.03%	-8.16%	7.56%
FCF Margin	43.21%	39.28%	37.16%	26.02%	26.08%
EBITDA	85.49	-64.02	-198.77	-27.75	89.9
EBITDA Margin	8.94%	-6.39%	-18.81%	-2.91%	14.34%
EBIT	44.08	-115.18	-253.65	-75.29	62.79
EBIT Margin	4.61%	-11.50%	-24.00%	-7.90%	10.02%
Effective Tax Rate	42.72%	31.69%	29.06%	-3.26%	24.49%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q