Oportun Financial Corporation (OPRT) — Financial statements
Income statement, balance sheet, and cash flow for Oportun Financial Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 637↑19.5% | 533↑15.9% | 460↓37.3% | 734↑26.9% | 578 | |
| Cost of Revenue | 232↓2.8% | 238↑32.7% | 179↑92.8% | 93↑95.2% | 48 | |
| Gross Profit | 406↑37.5% | 295↑5.2% | 281↓56.2% | 641↑20.8% | 530 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 114↓18.8% | 140↓27.7% | 194↓9.1% | 214↑39.4% | 153 | |
| Selling & Marketing Expenses | 71↑5.4% | 67↓11.0% | 75↓31.6% | 110↓5.9% | 117 | |
| SG&A Expenses | 185↓11.0% | 207↓23.1% | 270↓16.7% | 324↑19.8% | 270 | |
| Other Expenses | 177↓12.7% | 203↓23.3% | 265↓32.5% | 392↑98.6% | 197 | |
| Operating Expenses | 362↓11.8% | 410↓23.2% | 534↓25.4% | 716↑53.1% | 468 | |
| Total Costs & Expenses | 593↓8.5% | 649↓9.1% | 714↓11.8% | 809↑57.0% | 515 | |
| Operating Results | ||||||
| Operating Income | 44↑138.3% | -115↑54.6% | -254↓236.9% | -75↓219.9% | 63 | |
| Depreciation & Amortization | 41↓19.0% | 51↓6.8% | 55↑15.5% | 48↑75.3% | 27 | |
| EBITDA | 85↑233.5% | -64↑67.8% | -199↓616.2% | -28↓130.9% | 90 | |
| EBIT | 44↑138.3% | -115↑54.6% | -254↓236.9% | -75↓219.9% | 63 | |
| Interest & Other Income | ||||||
| Net Interest Income | 679↓4.6% | 712↓11.6% | 805↑2.3% | 787↑49.0% | 528 | |
| Interest Income | 911↓4.1% | 950↓3.5% | 985↑12.4% | 876↑52.2% | 576 | |
| Interest Expense | 232↓2.8% | 238↑32.7% | 179↑92.9% | 93↑95.0% | 48 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 44↑138.3% | -115↑54.6% | -254↓236.9% | -75↓219.9% | 63 | |
| Income Tax Expense | 19↑151.6% | -36↑50.5% | -74↓3098.5% | 2↓84.0% | 15 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 25↑132.1% | -79↑56.3% | -180↓131.5% | -78↓264.0% | 47 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 25↑132.1% | -79↑56.3% | -180↓131.5% | -78↓264.0% | 47 | |
| Bottom-Line Net Income | 25↑132.1% | -79↑56.3% | -180↓131.5% | -78↓264.0% | 47 | |
| EPS (Basic) | 0.53↑127.2% | -1.95↑60.0% | -4.88↓105.9% | -2.37↓241.1% | 1.68 | |
| EPS (Diluted) | 0.53↑127.2% | -1.95↑60.0% | -4.88↓105.9% | -2.37↓251.9% | 1.56 | |
| Weighted Average Shares | 48↑18.6% | 40↑9.4% | 37↑12.3% | 33↑16.4% | 28 | |
| Weighted Average Diluted Shares | 48↑18.6% | 40↑9.4% | 37↑12.3% | 33↑8.3% | 30 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.