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Oportun Financial Corp (OPRT)

For the quarter ending 2025-06-30, OPRT made $234,346K in revenue. $6,877K in net income. Net profit margin of 2.93%.

Overview

Revenue
$234,346K
Net Income
$6,877K
Net Profit Margin
2.93%
EPS
$0.14
Unit: Thousand (K) dollars
Revenue Breakdown
    • Total revenue

Unit: Thousand (K) dollars (except for numbers of shares and EPS)
2025-06-30
2024-09-30
2024-06-30
Net decrease in fair value-70,257 -131,585 -136,119
Interest expense59,538 55,749 54,244
Total revenue234,346 249,951 250,396
Net revenue104,551 62,617 60,033
General, administrative and other9,769 12,991 22,016
Outsourcing and professional fees9,701 10,088 8,375
Personnel20,247 21,038 21,908
Technology and facilities36,649 40,561 40,625
Sales and marketing18,077 17,403 16,258
Total operating expenses94,443 102,081 109,182
Income (loss) before taxes10,108 -39,464 -49,149
Income tax expense (benefit)3,231 -9,508 -18,124
Net income (loss)6,877 -29,956 -31,025
Net income (loss) attributable to common stockholders6,877 - -
Net income (loss) attributable to common stockholders, diluted6,877 -29,956 -31,025
Basic (in shares)46,571,524 39,964,322 39,816,996
Basic (in usd per share)0.15 -0.75 -0.78
Diluted (in shares)47,893,172 39,964,322 39,816,996
Diluted (in usd per share)0.14 -0.75 -0.78
Unit: Thousand (K) dollars (except for numbers of shares and EPS)

Income Statement

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Fees on loans$2,465K Interest on loans$215,816K Interest on memberaccounts$4,566K Servicing fees$3,604K Gain on loan sales andother$3,053K Subscription revenue$4,842K Interest income$218,281K (-5.66%↓ Y/Y)Non-interest income$16,065K (-15.55%↓ Y/Y)Total revenue$234,346K (-6.41%↓ Y/Y)Net revenue$104,551K (74.16%↑ Y/Y)Net decrease in fairvalue-$70,257K (48.39%↑ Y/Y)Interest expense$59,538K (9.76%↑ Y/Y)Income (loss) beforetaxes$10,108K (120.57%↑ Y/Y)Total operatingexpenses$94,443K (-13.50%↓ Y/Y)Net income (loss)$6,877K (122.17%↑ Y/Y)Income tax expense(benefit)$3,231K (117.83%↑ Y/Y)Sales and marketing$18,077K (11.19%↑ Y/Y)Technology and facilities$36,649K (-9.79%↓ Y/Y)Personnel$20,247K (-7.58%↓ Y/Y)Outsourcing andprofessional fees$9,701K (15.83%↑ Y/Y)General, administrativeand other$9,769K (-55.63%↓ Y/Y)Net income (loss)attributable to common...$6,877K Net income (loss)attributable to common...$6,877K