Oportun Financial (OPRT) Financial Statements & Analysis

Oportun Financial (OPRT) Income Statement

Oportun Financial reported revenue of $956.68M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 79.4% from $533.36M a year earlier. Net income was $25.25M, a net margin of 2.6%. Gross margin was 100.0% and operating margin 4.6%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $105.63M, up 1.0% from the same quarter a year earlier.

Oportun Financial Income Statement Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Oportun Financial Corporation income statement - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	0.96	0.53	1.06	0.95	0.53	0.39	0.50	0.52	0.36
Cost of Revenue	0.23	0.24	0.18	0.09	0.05	0.06	0.06	0.06	0.13
Gross Profit	0.96	0.30	1.06	0.95	0.53	0.34	0.45	0.46	0.23
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	0.36	0.21	0.53	0.61	0.27	0.22	0.20	0.15	0.12
Operating Expenses	0.91	0.41	1.31	1.03	0.47	0.39	0.36	0.29	0.22
Operating Income	0.04	-0.12	-0.25	-0.08	0.06	-0.02	0.08	0.17	0.00
Other Income/Expense
Interest Income	0.91	0.95	0.98	0.88	0.58	0.55	0.54	0.45	0.33
Interest Expense	0.23	0.24	0.18	0.09	0.05	0.06	0.06	0.05	0.04
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	0.04	-0.12	-0.25	-0.08	0.06	-0.06	0.08	0.17	0.00
Income Tax Expense	0.02	-0.04	-0.07	0.00	0.02	-0.01	0.02	0.05	0.01
Net Income	0.03	-0.08	-0.18	-0.08	0.05	-0.05	0.06	0.12	-0.01
Net Income - Continuous Operations	0.03	-0.08	-0.18	-0.08	0.05	-0.05	0.06	0.12	-0.01
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	0.09	-0.06	-0.20	-0.03	0.09	-0.04	0.10	0.18	0.01
EBIT	0.04	-0.12	-0.25	-0.08	0.06	-	-	-	-
Depreciation & Amortization	0.04	0.05	0.05	0.05	0.03	0.02	0.01	0.01	0.01
Earnings Per Share
Basic EPS	1.00	-2.00	-5.00	-2.00	2.00	-2.00	-	6.00	-
Diluted EPS	1.00	-2.00	-5.00	-2.00	2.00	-2.00	-	6.00	-
Basic Shares Outstanding	0.05	0.04	0.04	0.03	0.03	0.03	0.01	0.02	0.02
Diluted Shares Outstanding	0.05	0.04	0.04	0.03	0.03	0.03	0.01	0.02	0.02

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Oportun Financial Financial Statements

What was Oportun Financial's revenue in fiscal 2025?

Oportun Financial reported revenue of $956.68M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 79.4% from $533.36M a year earlier.

Is Oportun Financial profitable?

Yes. Oportun Financial earned net income of $25.25M in fiscal 2025, a net margin of 2.6%. In fiscal 2024 it lost $78.68M.

What is Oportun Financial's operating margin?

Oportun Financial's operating income was $44.08M on revenue of $956.68M in fiscal 2025, an operating margin of 4.6%, compared with -21.6% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition