Oportun Financial Corporation
OPRT · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $161,670 | $164,088 | $163,232 | $167,087 |
| % Growth | -1.5% | 0.5% | -2.3% | – |
| Cost of Goods Sold | $56,620 | $59,538 | $57,403 | $73,700 |
| Gross Profit | $105,050 | $104,550 | $105,829 | $93,387 |
| % Margin | 65% | 63.7% | 64.8% | 55.9% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $29,519 | $30,016 | $28,339 | $26,138 |
| SG&A Expenses | $46,021 | $48,093 | $48,221 | $43,447 |
| Sales & Mktg Exp. | $16,502 | $18,077 | $19,882 | $17,309 |
| Other Operating Expenses | $44,785 | $46,349 | $44,449 | $46,029 |
| Operating Expenses | $90,806 | $94,442 | $92,670 | $89,476 |
| Operating Income | $14,244 | $10,108 | $13,159 | $3,911 |
| % Margin | 8.8% | 6.2% | 8.1% | 2.3% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $14,244 | $10,108 | $13,159 | $3,911 |
| Tax Expense | $9,046 | $3,231 | $3,392 | -$4,827 |
| Net Income | $5,198 | $6,877 | $9,767 | $8,738 |
| % Margin | 3.2% | 4.2% | 6% | 5.2% |
| EPS | 0.11 | 0.15 | 0.21 | 0.2 |
| % Growth | -26.7% | -28.6% | 5% | – |
| EPS Diluted | 0.11 | 0.14 | 0.21 | 0.2 |
| Weighted Avg Shares Out | 46,711 | 46,572 | 45,497 | 42,720 |
| Weighted Avg Shares Out Dil | 48,310 | 47,893 | 47,038 | 43,551 |
| Supplemental Information | – | – | – | – |
| Interest Income | $226,735 | $220,382 | $224,643 | $238,279 |
| Interest Expense | $56,620 | $59,538 | $57,403 | $73,700 |
| Depreciation & Amortization | $10,160 | $10,715 | $11,068 | $11,480 |
| EBITDA | $24,404 | $20,823 | $24,227 | $15,391 |
| % Margin | 15.1% | 12.7% | 14.8% | 9.2% |