OPRT NASDAQ
Oportun Financial Corporation
1W: +4.5%
1M: +15.5%
3M: +67.7%
YTD: +88.9%
1Y: +67.7%
3Y: +62.0%
5Y: -61.6%
$9.56
+0.19 (+2.03%)
Pre-Market: $9.50 (-0.06, -0.63%)
Weekly Expected Move ±5.4%
$8
$9
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$10
$10
Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾
Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Overview
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Financials
Income Statement
Cash Flow
Balance Sheet
Earnings
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Analysis
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ESG
Institutions
ETF Exposure
Dark Pool
Short Interest
Supply Chain
Income Trends
Revenue
$637M
+19.5% ▲
5Y CAGR: +10.1%
Gross Profit
$406M
+37.5% ▲
5Y CAGR: +3.9%
Operating Income
$44M
+138.3% ▲
Net Income
$25M
+132.0% ▲
EPS (Diluted)
$0.53
+127.2% ▲
EBITDA
$85M
+233.5% ▲
Profit Margins
Year-over-Year Growth
View Full Income Statement
| Line Item | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $578M | $734M | $460M | $533M | $637M |
| YoY Growth | +10.0% | +48.7% | +23.0% | -5.2% | +19.5% |
| Cost of Revenue | $48M | $93M | $179M | $238M | $232M |
| Gross Profit | $530M | $641M | $281M | $295M | $406M |
| Gross Margin | 91.8% | 87.3% | 61.0% | 55.3% | 63.7% |
| R&D Expenses | $0 | $0 | $0 | $0 | $0 |
| SG&A Expenses | $270M | $324M | $270M | $207M | $139M |
| Operating Expenses | $468M | $716M | $534M | $410M | $362M |
| Operating Income | $63M | -$75M | -$254M | -$115M | $44M |
| Operating Margin | 10.9% | -10.3% | -55.1% | -21.6% | 6.9% |
| Interest Expense | $48M | $93M | $179M | $238M | $232M |
| Income Before Tax | $63M | -$75M | -$254M | -$115M | $44M |
| Tax Expense | $15M | $2M | -$74M | -$36M | $19M |
| Net Income | $47M | -$78M | -$180M | -$79M | $25M |
| Net Margin | 8.2% | -10.6% | -39.1% | -14.8% | 4.0% |
| EPS (Diluted) | $1.56 | $-2.37 | $-4.88 | $-1.95 | $0.53 |
| EBITDA | $90M | -$28M | -$199M | -$64M | $85M |
| Shares Outstanding | 30M | 33M | 37M | 40M | 48M |