Oportun Financial Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Interest and Dividend Income	889.66	893.22	925.47	963.5	876.11	575.84
Total Interest Expense	204.47	231.5	238.16	179.41	93.05	47.67
Net Interest Income	685.19	661.72	687.31	784.08	783.07	528.17
Other Revenue	58.77	63.46	76.31	93.42	76.43	50.94
Revenue Before Loan Losses	743.95	725.18	763.62	877.51	859.5	579.11
Revenue	743.95	725.18	763.62	877.51	859.5	579.11
Revenue Growth	2.65%	-5.03%	-12.98%	2.10%	48.42%	10.23%
Salaries & Employee Benefits	91.8	82.81	90.66	126.51	161.99	118.8
Cost of Services Provided	264.19	278.95	319.73	385.33	413.92	322.09
Total Operating Expenses	685.22	687.31	741.79	875.66	852.7	560.3
Operating Income	58.73	37.87	21.82	1.85	6.8	18.81
EBT Excluding Unusual Items	39.99	44.08	-115.18	-231.17	64.75	89.59
Restructuring Charges	-	-	-	-22.49	-1.88	-12.83
Impairment of Goodwill	-	-	-	-	-108.47	-
Pretax Income	39.99	44.08	-115.18	-253.65	-75.29	62.79
Income Tax Expense	20.51	18.83	-36.5	-73.7	2.46	15.38
Net Income	19.48	25.25	-78.68	-179.95	-77.74	47.41
Net Income to Common	19.48	25.25	-78.68	-179.95	-77.74	47.41
Net Income Growth	-	-	-	-	-	-
Shares Outstanding (Basic)	47	46	40	37	33	28
Shares Outstanding (Diluted)	49	48	40	37	33	30
Shares Change	11.22%	18.59%	9.44%	12.34%	8.25%	10.94%
EPS (Basic)	0.41	0.54	-1.95	-4.88	-2.37	1.68
EPS (Diluted)	0.40	0.53	-1.95	-4.88	-2.37	1.56
EPS Growth	-	-	-	-	-	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Free Cash Flow	420.95	413.41	393.52	392.77	247.88	163.45
Free Cash Flow Per Share	8.66	8.64	9.75	10.65	7.55	5.39
Operating Margin	7.89%	5.22%	2.86%	0.21%	0.79%	3.25%
Profit Margin	2.62%	3.48%	-10.30%	-20.51%	-9.04%	8.19%
Free Cash Flow Margin	56.58%	57.01%	51.53%	44.76%	28.84%	28.22%
Effective Tax Rate	51.28%	42.72%	-	-	-	24.49%
Revenue as Reported	948.43	956.69	1,002	1,057	952.55	626.78

SEC Filings: 10-K · 10-Q