Oportun Financial Corporation (OPRT) Income Statement
OPRT 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsOPRT revenue and net income
Where OPRT's revenue goes
2025Each bar shows an amount and its share of revenue. OPRT kept 4.0% of revenue as net income.
OPRT profit margins
OPRT growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +19.5% | −4.6% | +10.1% | +12.6% |
| Gross profit | +37.5% | −14.1% | +3.9% | +7.6% |
| Operating income | — | — | — | +16.6% |
| Net income | — | — | — | +11.6% |
| EPS (diluted) | +92.6% | −14.3% | — | — |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
OPRT quarterly EPS vs estimates
Oportun Financial beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: November 3, 2026 (estimate $0.43).
OPRT income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $637.3M | $533.4M | $460.1M | $733.7M | $578.1M | $393.4M | $502.9M | $520.5M | $361.0M | $277.5M |
| Cost of revenue | $231.5M | $238.2M | $179.4M | $93.0M | $47.7M | $58.4M | $56.1M | $63.1M | $134.7M | $99.1M |
| Gross profit | $405.8M | $295.2M | $280.7M | $640.7M | $530.5M | $335.1M | $446.8M | $457.4M | $226.2M | $178.4M |
| Research & development | — | — | $42.3M | $34.2M | $16.9M | $10.8M | $4.9M | $3.5M | $3.1M | $2.7M |
| Sales, general & admin | $184.5M | $207.4M | $269.5M | $323.7M | $270.2M | $216.3M | $203.2M | $151.7M | $122.1M | $88.5M |
| Total operating expenses | $361.8M | $410.4M | $534.3M | $715.9M | $467.7M | $393.2M | $362.4M | $287.3M | $224.2M | $162.3M |
| Operating income | $44.1M | −$115.2M | −$253.7M | −$75.3M | $62.8M | −$58.1M | $84.4M | $170.1M | $2.1M | $16.1M |
| Interest income | $910.6M | $949.7M | $965.4M | $876.1M | $575.8M | $545.5M | $544.1M | $448.8M | $327.9M | $254.2M |
| Interest expense | $231.5M | $238.2M | $179.4M | $93.0M | $47.7M | $58.4M | $60.5M | $46.9M | $36.4M | $28.8M |
| Income before taxes | $44.1M | −$115.2M | −$253.7M | −$75.3M | $62.8M | −$58.1M | $84.4M | $170.1M | $2.1M | $16.1M |
| Income taxes | $18.8M | −$36.5M | −$73.7M | $2.5M | $15.4M | −$13.0M | $22.8M | $46.7M | $12.3M | −$34.8M |
| Net income | $25.2M | −$78.7M | −$180.0M | −$77.7M | $47.4M | −$45.1M | $61.6M | $123.4M | −$10.2M | $50.9M |
| EBITDA | $85.5M | −$64.0M | −$198.8M | −$27.8M | $89.9M | −$37.9M | $98.5M | $181.9M | $12.7M | $24.4M |
| EPS (diluted) | $1.31 | $0.68 | −$3.54 | $2.08 | $2.57 | −$0.58 | $2.36 | $5.60 | −$0.45 | — |
| Gross margin | 63.7% | 55.3% | 61.0% | 87.3% | 91.8% | 85.2% | 88.9% | 87.9% | 62.7% | 64.3% |
| Operating margin | 6.9% | −21.6% | −55.1% | −10.3% | 10.9% | −14.8% | 16.8% | 32.7% | 0.6% | 5.8% |
| Net margin | 4.0% | −14.8% | −39.1% | −10.6% | 8.2% | −11.5% | 12.2% | 23.7% | −2.8% | 18.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $233.2M | $142.8M | $148.3M | $161.7M | $164.1M | $163.2M | $167.1M | $118.4M | $114.3M | $133.6M | $124.1M | $132.1M |
| Cost of revenue | $41.9M | $48.0M | $57.9M | $56.6M | $59.5M | $57.4M | $73.7M | $55.7M | $54.2M | $54.5M | $52.0M | $47.0M |
| Gross profit | $191.3M | $94.8M | $90.4M | $105.0M | $104.5M | $105.8M | $93.4M | $62.6M | $60.0M | $79.2M | $72.1M | $85.1M |
| Research & development | — | — | — | — | $9.0M | $20.3M | $20.3M | — | $10.1M | $10.2M | $10.7M | $10.8M |
| Sales, general & admin | $90.0M | $41.4M | $42.2M | $46.0M | $48.1M | $48.2M | $43.4M | $51.4M | $60.2M | $52.3M | $63.4M | $59.4M |
| Total operating expenses | $175.7M | $91.2M | $83.8M | $90.8M | $94.4M | $92.7M | $89.5M | $102.1M | $109.2M | $109.6M | $129.4M | $122.5M |
| Operating income | $15.6M | $3.6M | $6.6M | $14.2M | $10.1M | $13.2M | $3.9M | −$39.5M | −$49.1M | −$30.5M | −$57.3M | −$37.4M |
| Interest income | $221.1M | $219.5M | $236.4M | $226.7M | $220.4M | $224.6M | $238.3M | $235.8M | $237.3M | $235.3M | $242.2M | $243.3M |
| Interest expense | $41.9M | $48.0M | $57.9M | $56.6M | $59.5M | $57.4M | $73.7M | $55.7M | $54.2M | $54.5M | $52.0M | $47.0M |
| Income before taxes | $15.6M | $3.6M | $6.6M | $14.2M | $10.1M | $13.2M | $3.9M | −$39.5M | −$49.1M | −$30.5M | −$57.3M | −$37.4M |
| Income taxes | $7.1M | $1.2M | $3.2M | $9.0M | $3.2M | $3.4M | −$4.8M | −$9.5M | −$18.1M | −$4.0M | −$15.5M | −$16.2M |
| Net income | $8.5M | $2.4M | $3.4M | $5.2M | $6.9M | $9.8M | $8.7M | −$30.0M | −$31.0M | −$26.4M | −$41.8M | −$21.1M |
| EBITDA | $24.4M | $12.6M | $16.0M | $24.4M | $20.8M | $24.2M | $15.4M | −$26.0M | −$36.1M | −$17.3M | −$43.5M | −$23.4M |
| EPS (diluted) | $0.38 | $0.21 | $0.21 | $0.39 | $0.31 | $0.40 | $0.49 | $0.02 | $0.08 | $0.09 | −$0.54 | −$0.46 |
| Gross margin | 82.0% | 66.4% | 60.9% | 65.0% | 63.7% | 64.8% | 55.9% | 52.9% | 52.5% | 59.2% | 58.1% | 64.4% |
| Operating margin | 6.7% | 2.5% | 4.4% | 8.8% | 6.2% | 8.1% | 2.3% | −33.3% | −43.0% | −22.8% | −46.2% | −28.3% |
| Net margin | 3.6% | 1.7% | 2.3% | 3.2% | 4.2% | 6.0% | 5.2% | −25.3% | −27.1% | −19.8% | −33.7% | −16.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in OPRT's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
OPRT financial results
In fiscal year 2025 (ended December 31, 2025), Oportun Financial reported revenue of $637.3 million, up 19.5% from the year before. It had net income of $25.2 million, a net profit margin of 4.0%. Diluted earnings per share came to $1.31. Over five years revenue grew at an average rate of 10.1% a year.
See the OPRT stock overview for the latest quote and news, or the OPRT chart for price history and technical indicators.
OPRT income statement FAQ
What is Oportun Financial's annual revenue?
Oportun Financial reported total revenue of $637.3 million for fiscal year 2025, which ended on December 31, 2025. That was up 19.5% from $533.4 million the previous year.
Is Oportun Financial profitable?
Yes. Oportun Financial reported net income of $25.2 million in fiscal 2025, a net profit margin of 4.0%; its operating margin was 6.9%.
What is Oportun Financial's gross margin?
Oportun Financial's gross margin was 63.7% in fiscal 2025: for every $100 of revenue, Oportun Financial kept $64 after the direct cost of its products and services.
How fast is Oportun Financial growing?
Revenue grew 10.1% a year on average over the last five fiscal years, from $393.4 million to $637.3 million.
What are Oportun Financial's earnings per share?
Oportun Financial earned $1.31 per diluted share in fiscal 2025, compared with $0.68 a year earlier.
When will Oportun Financial report its next earnings?
Oportun Financial is expected to report results for the quarter ending September 30, 2026 on November 3, 2026 after the market closes.
When does Oportun Financial's fiscal year end?
Oportun Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.