Oportun Financial (OPRT)
Offers personal loans, auto-secured credit, and automated savings tools for credit-constrained members.
$8.21
vs last close−0.08 (−0.97%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 132 | 124 | 134 | 114 | 118 | 167 | 163 | 164 | 162 | 148 | 143 | 233 |
| Cost of revenue | 47 | 52 | 54 | 54 | 56 | 74 | 57 | 60 | 57 | 58 | 48 | 42 |
| Gross profit | 85 | 72 | 79 | 60 | 63 | 93 | 106 | 105 | 105 | 90 | 95 | 191 |
| 123 | 129 | 110 | 109 | 102 | 89 | 93 | 94 | 91 | 84 | 91 | 176 | |
| 59 | 63 | 52 | 60 | 51 | 43 | 48 | 48 | 46 | 42 | 26 | 90 | |
| Selling & marketing | 19 | 18 | 16 | 16 | 17 | 17 | 20 | 18 | 17 | 16 | 0 | 18 |
| General & administrative | 41 | 45 | 36 | 44 | 34 | 26 | 28 | 30 | 30 | 26 | 26 | 72 |
| Other expenses | 63 | 66 | 57 | 49 | 51 | 46 | 44 | 46 | 45 | 42 | 66 | 86 |
| Operating income | −37 | −57 | −30 | −49 | −39 | 4 | 13 | 10 | 14 | 7 | 4 | 16 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest income | 243 | 263 | 235 | 237 | 236 | 238 | 225 | 220 | 227 | 236 | 216 | 219 |
| Interest expense | 47 | 52 | 54 | 54 | 56 | 74 | 57 | 60 | 57 | 58 | 48 | 42 |
| Income before tax | −37 | −57 | −30 | −49 | −39 | 4 | 13 | 10 | 14 | 7 | 4 | 16 |
| Income tax expense | −16 | −15 | −4 | −18 | −10 | −5 | 3 | 3 | 9 | 3 | 1 | 7 |
| Net income from continuing operations | −21 | −42 | −26 | −31 | −30 | 9 | 10 | 7 | 5 | 3 | 2 | 9 |
| Net income | −21 | −42 | −26 | −31 | −30 | 9 | 10 | 7 | 5 | 3 | 2 | 9 |
| EPS, basic | −$0.55 | −$1.09 | −$0.68 | −$0.78 | −$0.75 | $0.20 | $0.21 | $0.15 | $0.11 | $0.07 | $0.05 | $0.17 |
| EPS, diluted | −$0.55 | −$1.09 | −$0.68 | −$0.78 | −$0.75 | $0.20 | $0.21 | $0.14 | $0.11 | $0.07 | $0.05 | $0.17 |
| Weighted average shares, basic | 38 | 38 | 39 | 40 | 40 | 43 | 45 | 47 | 47 | 48 | 48 | 49 |
| Weighted average shares, diluted | 38 | 38 | 39 | 40 | 40 | 44 | 47 | 48 | 48 | 48 | 48 | 49 |
| EBITDA | −23 | −43 | −17 | −36 | −26 | 15 | 24 | 21 | 24 | 16 | 13 | 25 |
| Depreciation & amortization | 14 | 14 | 13 | 13 | 13 | 11 | 11 | 11 | 10 | 9 | 9 | 9 |
| EBIT | −37 | −57 | −30 | −49 | −39 | 4 | 13 | 10 | 14 | 7 | 4 | 16 |