OPRT - NASDAQ
Oportun Financial Corporation
$4.72
-6.7%Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.
At a Glance
Live SnapshotOportun Financial Corporation Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Oportun Financial Corporation Income Statement
OPRT • NASDAQ
| Oportun Financial Corporation Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | |||||||||||
637.3M | 533.4M | 460.1M | 733.7M | 578.2M | 393.4M | 442.4M | 473.6M | 324.6M | 248.8M | 195.2M | |
GROSS PROFIT | |||||||||||
(231.5M) | (238.2M) | (179.4M) | (93M) | (47.7M) | (58.4M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
405.8M | 295.2M | 280.7M | 640.7M | 530.5M | 335.1M | 442.4M | 473.6M | 324.6M | 248.8M | 195.2M | |
OPERATING INCOME | |||||||||||
(361.8M) | (410.4M) | (534.3M) | (715.9M) | (467.7M) | (393.2M) | -358M | -256.5M | -286.1M | -203.9M | (77.6M) | |
(139.4M) | (207.4M) | (269.5M) | (323.7M) | (270.2M) | (216.3M) | (203.2M) | (151.7M) | (122.1M) | (88.5M) | (96M) | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (4.9M) | (3.5M) | (3.1M) | (2.7M) | (2M) | |
44.1M | -115.2M | -253.7M | -75.3M | 62.8M | -58.1M | 84.4M | 217M | 38.5M | 44.8M | 9.5M | |
PRE-TAX INCOME | |||||||||||
(231.5M) | (238.2M) | (179.4M) | (93M) | (47.7M) | (58.4M) | (60.5M) | (46.9M) | (36.4M) | (28.8M) | (0.0) | |
661.7M | 711.5M | 805.2M | 786.9M | 528.2M | 487.1M | 483.6M | 401.9M | 291.5M | 225.4M | 0.0 | |
(222.4M) | (203M) | (264.8M) | (392.2M) | (197.5M) | (176.9M) | -566.1M | -543.9M | -408.2M | -292.4M | -77.6M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | -24.8M | -28.1M | -19.3M | 0.0 | |
44.1M | -115.2M | -253.7M | -75.3M | 62.8M | -58.1M | 84.4M | 170.1M | 2.1M | 16.1M | 9.5M | |
NET INCOME | |||||||||||
(18.8M) | -36.5M | -73.7M | (2.5M) | (15.4M) | -13M | (22.8M) | (46.7M) | (12.3M) | -34.8M | (1.1M) | |
25.2M | -78.7M | -180M | -77.7M | 47.4M | -45.1M | 61.6M | 123.4M | -10.2M | 50.9M | 8.4M |
SEC Filings
OPRT - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | April 30, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | April 17, 2026 | April 13, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 02, 2026 | March 27, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 27, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 26, 2026 | February 26, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 10, 2026 | February 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 21, 2026 | January 15, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | November 05, 2025 | September 30, 2025 | 2025 |
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