Financial Services -
Financial - Credit Services - NASDAQ - US
$ 6.36
-6.5 %
$ 239 M
Market Cap
-6.1
P/E
INCOME STATEMENT
EFFICIENCY
Earnings Waterfall
Oportun Financial Corporation
| Revenue | 1 B |
| Cost Of Revenue | 238 M |
| Gross Profit | 1 B |
| Operating Expenses | 410 M |
| Operating Income | -115 M |
| Other Expenses | -36.5 M |
| Net Income | -78.7 M |
Income Statement
Millions
| Dec-2024 | Dec-2023 | Dec-2022 | Dec-2021 | Dec-2020 | Dec-2019 | Dec-2018 | Dec-2017 | Dec-2016 | Dec-2015 | |
|---|---|---|---|---|---|---|---|---|---|---|
| REVENUE | ||||||||||
| Revenue | 1 001.8 | 1 056.9 | 640.7 | 530.4 | 335.1 | 442.4 | 473.6 | 324.6 | 248.8 | 195.2 |
| GROSS PROFIT | ||||||||||
| Cost Of Revenue | 238.2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross Profit | 1 001.8 | 1 056.9 | 640.7 | 530.4 | 335.1 | 442.4 | 473.6 | 324.6 | 248.8 | 195.2 |
| OPERATING INCOME | ||||||||||
| Operating Expenses | 410.4 | 534.3 | 715.9 | (467.6) | (393.2) | (358.0) | (256.5) | (286.1) | (203.9) | 77.6 |
| Selling, General and Administrative Expenses | 157.0 | 269.5 | 323.7 | 270.2 | 216.3 | 203.2 | 151.7 | 122.1 | 88.5 | 96.0 |
| Research and Development Expenses | 0 | 0 | 34.2 | 16.9 | 10.8 | 4.9 | 3.5 | 3.1 | 2.7 | 2.0 |
| Operating Income | (115.2) | (198.8) | 17.8 | 62.8 | (58.1) | 84.4 | 217.0 | 38.5 | 44.8 | 9.5 |
| PRE-TAX INCOME | ||||||||||
| Interest Income Expense | 238.2 | 179.4 | 93.0 | 47.7 | 58.4 | 60.5 | 46.9 | 36.4 | 28.8 | 0 |
| Total Other Income | 0 | (54.9) | (115.5) | 3.0 | (20.2) | (33.6) | (24.8) | (28.1) | (19.3) | 0 |
| Pre-Tax Income | (115.2) | (253.7) | (75.3) | 62.8 | (58.1) | 84.4 | 170.1 | 2.1 | 16.1 | 9.5 |
| NET INCOME | ||||||||||
| Tax Provision | (36.5) | (73.7) | 2.5 | 15.4 | (13.0) | 22.8 | 46.7 | 12.3 | (34.8) | 1.1 |
| Net Income | (78.7) | (180.0) | (77.8) | 47.4 | (45.1) | 61.6 | 123.4 | (10.2) | 50.9 | 8.4 |
| EPS | 1.95 | 4.88 | 2.37 | 1.68 | 1.65 | 0.46 | 5.6 | 0.46 | 2.31 | 0.31 |