Oportun Financial Corporation (OPRT)

Oportun Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	902.01	925.47	963.5	876.11	575.84	545.47
Total Interest Expense	246.39	238.16	179.41	93.05	47.67	58.37
Net Interest Income	655.62	687.31	784.08	783.07	528.17	487.1
Other Revenue	69.14	76.31	93.42	76.43	50.94	38.27
Revenue Before Loan Losses	724.76	763.62	877.51	859.5	579.11	525.37
Revenue	724.76	763.62	877.51	859.5	579.11	525.37
Revenue Growth (YoY)	-12.05%	-12.98%	2.10%	48.42%	10.23%	-3.44%
Salaries & Employee Benefits	85.01	90.66	126.51	161.99	118.8	110.27
Cost of Services Provided	290.59	316.66	385.33	413.92	322.09	270.43
Total Operating Expenses	698.06	738.73	875.66	852.7	560.3	547.6
Operating Income	26.7	24.89	1.85	6.8	18.81	-22.23
EBT Excluding Unusual Items	-9.22	-112.11	-231.17	64.75	89.59	-45.64
Restructuring Charges	-3.07	-3.07	-22.49	-1.88	-12.83	-
Impairment of Goodwill	-	-	-	-108.47	-	-
Pretax Income	-12.29	-115.18	-253.65	-75.29	62.79	-58.09
Income Tax Expense	-7.71	-36.5	-73.7	2.46	15.38	-13.01
Net Income	-4.57	-78.68	-179.95	-77.74	47.41	-45.08
Net Income to Common	-4.57	-78.68	-179.95	-77.74	47.41	-45.08
Shares Outstanding (Basic)	44	40	37	33	28	27
Shares Outstanding (Diluted)	44	40	37	33	30	27
Shares Change (YoY)	12.37%	9.44%	12.34%	8.25%	10.94%	153.98%
EPS (Basic)	-0.10	-1.95	-4.88	-2.37	1.68	-1.65
EPS (Diluted)	-0.11	-1.95	-4.88	-2.37	1.56	-1.65
Free Cash Flow	405.42	393.52	392.77	247.88	163.45	152.87
Free Cash Flow Per Share	9.28	9.75	10.65	7.55	5.39	5.59
Operating Margin	3.68%	3.26%	0.21%	0.79%	3.25%	-4.23%
Profit Margin	-0.63%	-10.30%	-20.51%	-9.04%	8.19%	-8.58%
Free Cash Flow Margin	55.94%	51.53%	44.76%	28.84%	28.22%	29.10%
Effective Tax Rate	-	-	-	-	24.49%	-
Revenue as Reported	971.15	1,002	1,057	952.55	626.78	583.73

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q