Oportun Financial Corporation (OPRT)

Income Statement (Annual)

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

Millions USD. Fiscal year is Jan - Dec.

Year	2021	2020	2019	2018	2017	2016
Revenue	530.48	335.06	446.85	457.41	226.24	178.39
Revenue Growth (YoY)	58.32%	-25.02%	-2.31%	102.18%	26.82%	-
Gross Profit	530.48	335.06	446.85	457.41	226.24	178.39
Selling, General & Admin	270.2	216.29	203.19	151.74	122.1	88.47
Other Operating Expenses	197.5	176.86	159.22	135.58	102.07	73.86
Operating Expenses	467.69	393.15	362.42	287.32	224.17	162.33
Operating Income	62.79	-58.09	84.43	170.1	2.07	16.06
Other Expense / Income	0	0	57.34	106.8	0	46.44
Pretax Income	62.79	-58.09	27.1	63.3	2.07	-30.38
Income Tax	15.38	-13.01	22.83	46.7	12.28	-34.8
Net Income	47.41	-45.08	4.26	16.6	-10.21	4.42
Net Income Common	47.41	-45.08	4.26	16.6	-10.21	4.42
Net Income Growth	-	-	-74.32%	-	-	-
Shares Outstanding (Basic)	28	27	9	3	2	2
Shares Outstanding (Diluted)	30	27	11	4	2	3
Shares Change	10.94%	153.98%	189.68%	53.53%	-29.95%	-
EPS (Basic)	1.68	-1.65	0.46	6.42	-4.22	1.83
EPS (Diluted)	1.56	-1.65	0.40	4.47	-4.22	1.28
EPS Growth	-	-	-91.05%	-	-	-
Free Cash Flow Per Share	4.86	4.80	20.56	46.58	52.52	41.33
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	11.80%	-17.30%	18.90%	37.20%	0.90%	9.00%
Profit Margin	8.90%	-13.50%	1.00%	3.60%	-4.50%	2.50%
Free Cash Flow Margin	25.80%	39.10%	43.00%	26.30%	56.20%	55.90%
Effective Tax Rate	24.49%	22.40%	84.27%	73.78%	593.28%	114.54%
EBITDA	89.9	-37.87	41.2	75.12	12.66	-22.01
EBITDA Margin	16.90%	-11.30%	9.20%	16.40%	5.60%	-12.30%
Depreciation & Amortization	27.11	20.22	14.1	11.82	10.59	8.38
EBIT	62.79	-58.09	27.1	63.3	2.07	-30.38
EBIT Margin	11.80%	-17.30%	6.10%	13.80%	0.90%	-17.00%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).