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Oportun Financial (OPRT)

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  • 5.725
  • -0.325-5.37%
Trading Jan 23 15:37 ET
252.64MMarket Cap7.95P/E (TTM)

Oportun Financial (OPRT) Income Statement

Quarterly+Annual
YOY yoy
Hide blank lines yoy
(Q3)Sep 30, 2025
(Q2)Jun 30, 2025
(Q1)Mar 31, 2025
(FY)Dec 31, 2024
(Q4)Dec 31, 2024
(Q3)Sep 30, 2024
(Q2)Jun 30, 2024
(Q1)Mar 31, 2024
(FY)Dec 31, 2023
(Q4)Dec 31, 2023
Total revenue
67.77%105.05M
74.15%104.55M
33.68%105.83M
5.18%295.2M
29.52%93.39M
-26.45%62.62M
-49.39%60.03M
1,547.60%79.17M
-56.19%280.67M
-49.74%72.1M
Net interest income
-5.49%170.12M
-12.12%160.84M
-7.50%167.24M
-11.63%711.53M
-15.41%164.58M
-10.68%180M
-8.84%183.03M
-11.31%180.79M
2.32%805.16M
-8.37%194.57M
-Net interest income
-3.82%226.74M
-7.12%220.38M
-4.51%224.64M
-3.54%949.69M
-3.36%238.28M
-5.12%235.75M
-2.05%237.27M
-3.13%235.26M
11.89%984.57M
-0.55%246.58M
-Interest income from loans and lease
-3.35%222.34M
-5.44%215.82M
-4.50%220.22M
-3.95%925.47M
-3.59%233.46M
-5.43%230.04M
-3.30%228.24M
-2.96%230.59M
9.97%963.5M
-0.80%242.16M
-Interest income from deposits
-22.99%4.4M
-49.43%4.57M
-5.25%4.42M
14.93%24.22M
9.03%4.82M
9.18%5.71M
45.61%9.03M
-10.73%4.67M
448.83%21.08M
--4.42M
-Total interest expense
1.56%56.62M
9.76%59.54M
5.39%57.4M
32.74%238.16M
41.72%73.7M
18.70%55.75M
30.87%54.24M
39.66%54.47M
92.82%179.41M
46.10%52M
Non interest income
44.57%-65.07M
54.23%-56.29M
39.57%-61.41M
20.62%-416.33M
41.87%-71.19M
-0.86%-117.39M
-49.71%-122.99M
48.94%-101.63M
-258.62%-524.49M
-77.73%-122.47M
-Fees and commissions
7.06%3.68M
-7.96%6.07M
3.78%3.54M
-5.93%13.81M
-4.11%3.5M
-9.69%3.44M
-17.36%6.59M
-7.36%3.41M
-26.31%14.69M
-16.70%3.65M
-Other non interest income
-22.33%4.93M
-10.94%4.84M
-22.63%5.04M
-11.35%22.67M
-29.09%4.37M
1.81%6.35M
-13.71%5.44M
-44.09%6.52M
-45.55%25.57M
-36.00%6.16M
-Gain loss on sale of assets
42.06%-73.68M
50.23%-67.21M
37.26%-69.99M
19.82%-452.81M
40.23%-79.06M
-0.59%-127.17M
-40.02%-135.03M
47.97%-111.55M
-164.97%-564.75M
-59.54%-132.28M
Credit losses provision
Non interest expense
-11.05%90.81M
-13.50%94.44M
-15.48%92.67M
-23.20%410.38M
-30.84%89.48M
-16.67%102.08M
-19.78%109.18M
-25.08%109.64M
-12.04%534.32M
-14.53%129.38M
Professional expense and contract services expense
-6.77%9.41M
15.83%9.7M
-21.77%8.01M
-18.84%36.85M
-27.40%8.14M
-3.76%10.09M
-15.40%8.38M
-25.80%10.24M
-32.87%45.4M
-35.97%11.22M
Selling and administrative expenses
-10.52%46.02M
-20.09%48.09M
-7.79%48.22M
-23.06%207.36M
-31.48%43.45M
-13.36%51.43M
-15.33%60.18M
-30.88%52.3M
-16.75%269.51M
-16.37%63.41M
-General and administrative expense
-13.25%29.52M
-31.66%30.02M
-21.92%28.34M
-27.72%140.38M
-42.37%26.14M
-16.00%34.03M
-15.34%43.92M
-35.74%36.29M
-9.11%194.23M
-16.74%45.35M
-Selling and marketing expense
-5.18%16.5M
11.19%18.08M
24.24%19.88M
-11.04%66.97M
-4.13%17.31M
-7.69%17.4M
-15.30%16.26M
-16.57%16M
-31.58%75.28M
-15.41%18.06M
Other non-interest expense
-12.77%35.38M
-9.79%36.65M
-22.65%36.44M
-24.26%166.18M
-30.81%37.89M
-22.98%40.56M
-26.29%40.63M
-17.18%47.11M
1.52%219.41M
-5.65%54.75M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax
136.09%14.24M
120.57%10.11M
143.18%13.16M
54.59%-115.18M
106.83%3.91M
-5.60%-39.46M
-181.32%-49.15M
78.47%-30.48M
-236.92%-253.65M
-623.13%-57.28M
Income tax
195.14%9.05M
117.83%3.23M
184.04%3.39M
50.48%-36.5M
68.77%-4.83M
41.42%-9.51M
-604.67%-18.12M
89.77%-4.04M
-3,098.45%-73.7M
-3,178.69%-15.46M
Earnings from equity interest net of tax
Net income
117.35%5.2M
122.17%6.88M
136.94%9.77M
56.28%-78.68M
120.89%8.74M
-41.72%-29.96M
-108.24%-31.03M
74.10%-26.44M
-131.47%-179.95M
-396.55%-41.82M
Net Income continuous operations
117.35%5.2M
122.17%6.88M
136.94%9.77M
56.28%-78.68M
120.89%8.74M
-41.72%-29.96M
-108.24%-31.03M
74.10%-26.44M
-131.47%-179.95M
-396.55%-41.82M
Minority interest income
Net income attributable to the parent company
117.35%5.2M
122.17%6.88M
136.94%9.77M
56.28%-78.68M
120.89%8.74M
-41.72%-29.96M
-108.24%-31.03M
74.10%-26.44M
-131.47%-179.95M
-396.55%-41.82M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders
117.35%5.2M
122.17%6.88M
136.94%9.77M
56.28%-78.68M
120.89%8.74M
-41.72%-29.96M
-108.24%-31.03M
74.10%-26.44M
-131.47%-179.95M
-396.55%-41.82M
Basic earnings per share
114.67%0.11
119.23%0.15
130.88%0.21
60.04%-1.95
118.35%0.2
-36.36%-0.75
-90.24%-0.78
77.33%-0.68
-105.91%-4.88
-336.00%-1.09
Diluted earnings per share
114.67%0.11
117.95%0.14
130.88%0.21
60.04%-1.95
118.35%0.2
-36.36%-0.75
-90.24%-0.78
77.33%-0.68
-105.91%-4.88
-336.00%-1.09
Dividend per share
Currency Unit
USD
USD
USD
USD
USD
USD
USD
USD
USD
USD
Accounting Standards
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
US-GAAP
Audit Opinions
--
--
--
Unqualified Opinion
--
--
--
--
Unqualified Opinion
--
(Q3)Sep 30, 2025(Q2)Jun 30, 2025(Q1)Mar 31, 2025(FY)Dec 31, 2024(Q4)Dec 31, 2024(Q3)Sep 30, 2024(Q2)Jun 30, 2024(Q1)Mar 31, 2024(FY)Dec 31, 2023(Q4)Dec 31, 2023
Total revenue 67.77%105.05M74.15%104.55M33.68%105.83M5.18%295.2M29.52%93.39M-26.45%62.62M-49.39%60.03M1,547.60%79.17M-56.19%280.67M-49.74%72.1M
Net interest income -5.49%170.12M-12.12%160.84M-7.50%167.24M-11.63%711.53M-15.41%164.58M-10.68%180M-8.84%183.03M-11.31%180.79M2.32%805.16M-8.37%194.57M
-Net interest income -3.82%226.74M-7.12%220.38M-4.51%224.64M-3.54%949.69M-3.36%238.28M-5.12%235.75M-2.05%237.27M-3.13%235.26M11.89%984.57M-0.55%246.58M
-Interest income from loans and lease -3.35%222.34M-5.44%215.82M-4.50%220.22M-3.95%925.47M-3.59%233.46M-5.43%230.04M-3.30%228.24M-2.96%230.59M9.97%963.5M-0.80%242.16M
-Interest income from deposits -22.99%4.4M-49.43%4.57M-5.25%4.42M14.93%24.22M9.03%4.82M9.18%5.71M45.61%9.03M-10.73%4.67M448.83%21.08M--4.42M
-Total interest expense 1.56%56.62M9.76%59.54M5.39%57.4M32.74%238.16M41.72%73.7M18.70%55.75M30.87%54.24M39.66%54.47M92.82%179.41M46.10%52M
Non interest income 44.57%-65.07M54.23%-56.29M39.57%-61.41M20.62%-416.33M41.87%-71.19M-0.86%-117.39M-49.71%-122.99M48.94%-101.63M-258.62%-524.49M-77.73%-122.47M
-Fees and commissions 7.06%3.68M-7.96%6.07M3.78%3.54M-5.93%13.81M-4.11%3.5M-9.69%3.44M-17.36%6.59M-7.36%3.41M-26.31%14.69M-16.70%3.65M
-Other non interest income -22.33%4.93M-10.94%4.84M-22.63%5.04M-11.35%22.67M-29.09%4.37M1.81%6.35M-13.71%5.44M-44.09%6.52M-45.55%25.57M-36.00%6.16M
-Gain loss on sale of assets 42.06%-73.68M50.23%-67.21M37.26%-69.99M19.82%-452.81M40.23%-79.06M-0.59%-127.17M-40.02%-135.03M47.97%-111.55M-164.97%-564.75M-59.54%-132.28M
Credit losses provision
Non interest expense -11.05%90.81M-13.50%94.44M-15.48%92.67M-23.20%410.38M-30.84%89.48M-16.67%102.08M-19.78%109.18M-25.08%109.64M-12.04%534.32M-14.53%129.38M
Professional expense and contract services expense -6.77%9.41M15.83%9.7M-21.77%8.01M-18.84%36.85M-27.40%8.14M-3.76%10.09M-15.40%8.38M-25.80%10.24M-32.87%45.4M-35.97%11.22M
Selling and administrative expenses -10.52%46.02M-20.09%48.09M-7.79%48.22M-23.06%207.36M-31.48%43.45M-13.36%51.43M-15.33%60.18M-30.88%52.3M-16.75%269.51M-16.37%63.41M
-General and administrative expense -13.25%29.52M-31.66%30.02M-21.92%28.34M-27.72%140.38M-42.37%26.14M-16.00%34.03M-15.34%43.92M-35.74%36.29M-9.11%194.23M-16.74%45.35M
-Selling and marketing expense -5.18%16.5M11.19%18.08M24.24%19.88M-11.04%66.97M-4.13%17.31M-7.69%17.4M-15.30%16.26M-16.57%16M-31.58%75.28M-15.41%18.06M
Other non-interest expense -12.77%35.38M-9.79%36.65M-22.65%36.44M-24.26%166.18M-30.81%37.89M-22.98%40.56M-26.29%40.63M-17.18%47.11M1.52%219.41M-5.65%54.75M
Income from associates and other participating interests
Special income (charges)
Other non-operating income (expenses)
Income before tax 136.09%14.24M120.57%10.11M143.18%13.16M54.59%-115.18M106.83%3.91M-5.60%-39.46M-181.32%-49.15M78.47%-30.48M-236.92%-253.65M-623.13%-57.28M
Income tax 195.14%9.05M117.83%3.23M184.04%3.39M50.48%-36.5M68.77%-4.83M41.42%-9.51M-604.67%-18.12M89.77%-4.04M-3,098.45%-73.7M-3,178.69%-15.46M
Earnings from equity interest net of tax
Net income 117.35%5.2M122.17%6.88M136.94%9.77M56.28%-78.68M120.89%8.74M-41.72%-29.96M-108.24%-31.03M74.10%-26.44M-131.47%-179.95M-396.55%-41.82M
Net Income continuous operations 117.35%5.2M122.17%6.88M136.94%9.77M56.28%-78.68M120.89%8.74M-41.72%-29.96M-108.24%-31.03M74.10%-26.44M-131.47%-179.95M-396.55%-41.82M
Minority interest income
Net income attributable to the parent company 117.35%5.2M122.17%6.88M136.94%9.77M56.28%-78.68M120.89%8.74M-41.72%-29.96M-108.24%-31.03M74.10%-26.44M-131.47%-179.95M-396.55%-41.82M
Preferred stock dividends
Other preferred stock dividend
Net income attributable to common stockholders 117.35%5.2M122.17%6.88M136.94%9.77M56.28%-78.68M120.89%8.74M-41.72%-29.96M-108.24%-31.03M74.10%-26.44M-131.47%-179.95M-396.55%-41.82M
Basic earnings per share 114.67%0.11119.23%0.15130.88%0.2160.04%-1.95118.35%0.2-36.36%-0.75-90.24%-0.7877.33%-0.68-105.91%-4.88-336.00%-1.09
Diluted earnings per share 114.67%0.11117.95%0.14130.88%0.2160.04%-1.95118.35%0.2-36.36%-0.75-90.24%-0.7877.33%-0.68-105.91%-4.88-336.00%-1.09
Dividend per share
Currency Unit USDUSDUSDUSDUSDUSDUSDUSDUSDUSD
Accounting Standards US-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAPUS-GAAP
Audit Opinions ------Unqualified Opinion--------Unqualified Opinion--
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