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Income Statement
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Cash Flow
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Balance Sheet
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Income Overview
Revenue
$233,228K
Net Income
$8,536K
Net Profit Margin
3.66%
EPS
$0.17
Unit: Thousand (K) dollars
Revenue Breakdown
Interest on loans
Subscription revenue
Interest on member accounts
Others
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Page 1
Quarterly
123
Page 1
Income Statement
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Total revenue
233,228
228,764
247,136*
238,688
Interest expense
41,933
47,979
57,266*
56,620
Net decrease in fair value
-85,663
-85,894
-98,432*
-77,018
Net revenue
105,632
94,891
91,437*
105,050
Technology and facilities
32,293
34,140
34,398*
35,380
Sales and marketing
17,593
15,949
18,728*
16,502
Personnel
24,510
25,528
21,056*
19,015
Outsourcing and professional fees
9,650
8,704
6,136*
9,405
General, administrative and other
5,966
7,009
3,571*
10,504
Total operating expenses
90,012
91,330
83,888*
90,806
Income before taxes
15,620
3,561
7,549*
14,244
Income tax expense
7,084
1,216
415*
9,046
Net income
8,536
2,345
7,134
5,198
Net income attributable to common stockholders
8,536
2,345
-
5,198
Net income attributable to common stockholders
8,536
2,345
-
5,198
Basic EPS
0.18
0.05
0.155
0.11
Diluted EPS
0.17
0.05
0.151
0.11
Basic Average Shares
48,419,607
47,436,155
45,974,144
46,711,134
Diluted Average Shares
49,396,024
48,498,763
47,372,611
48,310,110
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
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Income Statement
Interest on loans
$216,918K
Fees on loans
$2,356K
Subscription revenue
$5,164K
(6.65%↑ Y/Y)
Interest on member
accounts
$4,134K
(-9.46%↓ Y/Y)
Gain on loan sales and
other
$3,125K
(2.36%↑ Y/Y)
Servicing fees
$1,531K
(-57.52%↓ Y/Y)
Interest income
$219,274K
(0.45%↑ Y/Y)
Non-interest income
$13,954K
(-13.14%↓ Y/Y)
Total revenue
$233,228K
(-0.48%↓ Y/Y)
Net revenue
$105,632K
(1.03%↑ Y/Y)
Net decrease in fair
value
-$85,663K
(-21.93%↓ Y/Y)
Interest expense
$41,933K
(-29.57%↓ Y/Y)
Income before taxes
$15,620K
(54.53%↑ Y/Y)
Total operating
expenses
$90,012K
(-4.69%↓ Y/Y)
Net income
$8,536K
(24.12%↑ Y/Y)
Income tax expense
$7,084K
(119.25%↑ Y/Y)
Technology and facilities
$32,293K
(-11.89%↓ Y/Y)
Personnel
$24,510K
(21.05%↑ Y/Y)
Sales and marketing
$17,593K
(-2.68%↓ Y/Y)
Outsourcing and
professional fees
$9,650K
(-0.53%↓ Y/Y)
General, administrative
and other
$5,966K
(-38.93%↓ Y/Y)
Net income
attributable to common...
$8,536K
(24.12%↑ Y/Y)
Net income
attributable to common...
$8,536K
(24.12%↑ Y/Y)
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Oportun Financial Corp (OPRT)
Oportun Financial Corp (OPRT)