Oportun Financial Corporation - OPRT - Fundamentals

Best Investments/trading ideas for the weekJoin our free webinar on September23,2026.

Insider Tracker is here!

Try it now Watch the presentation

‌
‌

‌

Let's get started...

‌

Breakdown	2015 12/31	2016 12/31	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	195	278	361	520	503	393	578	734	460	533	637	686	📊
Revenue Growth (1Y)	--	+42.15%	+30.06%	+44.20%	-3.38%	-21.77%	+46.95%	+26.91%	-37.29%	+15.93%	+19.49%	+7.64%	📊
Revenue Growth (5Y)	--	--	--	--	+157.60%	+41.76%	+60.17%	+40.97%	-8.52%	+35.57%	+10.24%	+18.66%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	+173.20%	+129.65%	+147.19%	📊
Cost of Revenue	0	99	135	63	56	58	48	93	179	238	232	204	📊
Cost of Revenue Growth (1Y)	--	--	+35.89%	-53.19%	-11.10%	+4.11%	-18.33%	+95.19%	+92.82%	+32.74%	-2.79%	-11.68%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	--	-41.12%	-64.61%	+47.54%	+220.02%	+308.03%	+385.65%	+328.92%	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	+133.52%	+106.24%	📊
Gross Profit	195	178	226	457	447	335	530	641	281	295	406	482	📊
Gross Profit Growth (1Y)	--	-8.63%	+26.82%	+102.18%	-2.31%	-25.02%	+58.32%	+20.77%	-56.19%	+5.18%	+37.48%	+18.66%	📊
Gross Profit Growth (5Y)	--	--	--	--	+128.88%	+87.83%	+134.48%	+40.06%	-37.19%	-11.90%	-23.50%	-9.22%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	+51.21%	+127.50%	+169.95%	📊
Operating Expenses	78	162	224	287	362	393	468	716	534	410	362	442	📊
Operating Expenses Growth (1Y)	--	+109.26%	+38.09%	+28.17%	+26.14%	+8.48%	+18.96%	+53.08%	-25.37%	-23.20%	-11.85%	+22.06%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+367.18%	+142.19%	+108.63%	+149.18%	+47.43%	+4.38%	-22.65%	-5.59%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+429.01%	+122.85%	+172.01%	📊
Sell General Administrative	96	88	122	152	203	216	270	324	270	207	185	204	📊
Research and Development	2	0	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	-78	74	102	136	159	177	197	392	265	203	177	238	📊
EBITDA	15	24	13	182	99	-38	90	-28	-199	-64	85	78	📊
EBITDA Growth (1Y)	--	+65.97%	-48.20%	+1337.18%	-45.84%	-138.44%	+337.37%	-130.87%	-616.20%	+67.79%	+233.53%	-9.18%	📊
EBITDA Growth (5Y)	--	--	--	--	+569.29%	-255.01%	+610.25%	-115.26%	-301.73%	-69.03%	-4.91%	-13.64%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	-534.86%	+249.87%	+217.75%	📊
Depreciation and Amortization	5	8	11	12	14	20	27	48	55	51	41	38	📊
Operating Income	10	16	2	170	84	-58	63	-75	-254	-115	44	40	📊
Operating Income Growth (1Y)	--	+68.67%	-87.11%	+8121.12%	-50.36%	-168.81%	+208.09%	-219.90%	-236.92%	+54.59%	+138.27%	-9.23%	📊
Operating Income Growth (5Y)	--	--	--	--	+786.98%	-461.82%	+2934.85%	-144.26%	-400.42%	-98.26%	-29.81%	-36.28%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	-1309.97%	+174.51%	+149.18%	📊
Interest Expense	0	29	36	47	61	58	48	93	179	238	232	204	📊
Pre Tax Income	10	16	2	170	84	-58	63	-75	-254	-115	44	40	📊
Tax Provision	1	-35	12	47	23	-13	15	2	-74	-36	19	21	📊
NET INCOME	8	51	-10	123	62	-45	47	-78	-180	-79	25	20	📊
Net Income Growth (1Y)	--	+505.81%	-120.07%	+1309.03%	-50.08%	-173.19%	+205.17%	-263.97%	-131.47%	+56.28%	+132.09%	-22.75%	📊
Net Income Growth (5Y)	--	--	--	--	+633.75%	-188.64%	+564.57%	-163.00%	-392.14%	-74.53%	-46.75%	-58.87%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	-1037.25%	-50.36%	-61.65%	📊
Basic EPS	0.31	2.31	-0.46	5.6	0.46	-1.65	1.68	-2.37	-4.88	-1.95	0.53	0.4	📊
Diluted EPS	0.31	2.2	-0.46	5.59	0.4	-1.65	1.56	-2.37	-4.88	-1.95	0.53	0.4	📊
Basic Average Shares	27	22	22	22	9	27	28	33	37	40	48	48	📊
Diluted Average Shares	27	23	22	22	11	27	30	33	37	40	48	48	📊

Breakdown

2015

12/31

2016

12/31

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

195

278

361

520

503

393

578

734

460

533

637

686

📊

Revenue Growth (1Y)

+42.15%

+30.06%

+44.20%

-3.38%

-21.77%

+46.95%

+26.91%

-37.29%

+15.93%

+19.49%

+7.64%

📊

Revenue Growth (5Y)

+157.60%

+41.76%

+60.17%

+40.97%

-8.52%

+35.57%

+10.24%

+18.66%

📊

Revenue Growth (10Y)

+173.20%

+129.65%

+147.19%

📊

Cost of Revenue

135

179

238

232

204

📊

Cost of Revenue Growth (1Y)

+35.89%

-53.19%

-11.10%

+4.11%

-18.33%

+95.19%

+92.82%

+32.74%

-2.79%

-11.68%

📊

Cost of Revenue Growth (5Y)

-41.12%

-64.61%

+47.54%

+220.02%

+308.03%

+385.65%

+328.92%

📊

Cost of Revenue Growth (10Y)

+133.52%

+106.24%

📊

Gross Profit

195

178

226

457

447

335

530

641

281

295

406

482

📊

Gross Profit Growth (1Y)

-8.63%

+26.82%

+102.18%

-2.31%

-25.02%

+58.32%

+20.77%

-56.19%

+5.18%

+37.48%

+18.66%

📊

Gross Profit Growth (5Y)

+128.88%

+87.83%

+134.48%

+40.06%

-37.19%

-11.90%

-23.50%

-9.22%

📊

Gross Profit Growth (10Y)

+51.21%

+127.50%

+169.95%

📊

Operating Expenses

162

224

287

362

393

468

716

534

410

362

442

📊

Operating Expenses Growth (1Y)

+109.26%

+38.09%

+28.17%

+26.14%

+8.48%

+18.96%

+53.08%

-25.37%

-23.20%

-11.85%

+22.06%

📊

Operating Expenses Growth (5Y)

+367.18%

+142.19%

+108.63%

+149.18%

+47.43%

+4.38%

-22.65%

-5.59%

📊

Operating Expenses Growth (10Y)

+429.01%

+122.85%

+172.01%

📊

Sell General Administrative

122

152

203

216

270

324

270

207

185

204

📊

Research and Development

📊

Other Income Expenses

-78

102

136

159

177

197

392

265

203

177

238

📊

EBITDA

182

-38

-28

-199

-64

📊

EBITDA Growth (1Y)

+65.97%

-48.20%

+1337.18%

-45.84%

-138.44%

+337.37%

-130.87%

-616.20%

+67.79%

+233.53%

-9.18%

📊

EBITDA Growth (5Y)

+569.29%

-255.01%

+610.25%

-115.26%

-301.73%

-69.03%

-4.91%

-13.64%

📊

EBITDA Growth (10Y)

-534.86%

+249.87%

+217.75%

📊

Depreciation and Amortization

📊

Operating Income

170

-58

-75

-254

-115

📊

Operating Income Growth (1Y)

+68.67%

-87.11%

+8121.12%

-50.36%

-168.81%

+208.09%

-219.90%

-236.92%

+54.59%

+138.27%

-9.23%

📊

Operating Income Growth (5Y)

+786.98%

-461.82%

+2934.85%

-144.26%

-400.42%

-98.26%

-29.81%

-36.28%

📊

Operating Income Growth (10Y)

-1309.97%

+174.51%

+149.18%

📊

Interest Expense

179

238

232

204

📊

Pre Tax Income

170

-58

-75

-254

-115

📊

Tax Provision

-35

-13

-74

-36

📊

NET INCOME

-10

123

-45

-78

-180

-79

📊

Net Income Growth (1Y)

+505.81%

-120.07%

+1309.03%

-50.08%

-173.19%

+205.17%

-263.97%

-131.47%

+56.28%

+132.09%

-22.75%

📊

Net Income Growth (5Y)

+633.75%

-188.64%

+564.57%

-163.00%

-392.14%

-74.53%

-46.75%

-58.87%

📊

Net Income Growth (10Y)

-1037.25%

-50.36%

-61.65%

📊

Basic EPS

0.31

2.31

-0.46

5.6

0.46

-1.65

1.68

-2.37

-4.88

-1.95

0.53

0.4

📊

Diluted EPS

0.31

2.2

-0.46

5.59

0.4

-1.65

1.56

-2.37

-4.88

-1.95

0.53

0.4

📊

Basic Average Shares

📊

Diluted Average Shares

📊

Ex-Dividend date	--
Payment date	--
Annual Dividend	--
Dividend Yield	--
Shareholders Yield	36.21%
Next Earnings
Market cap	399.43M (USD)
EPS (TTM)	0.40 ($)
P/E (TTM)	20.40 ($)
Last Close	8.16

Next Earnings
Market cap	399.43M (USD)
EPS (TTM)	0.40 ($)
P/E (TTM)	20.40 ($)
Last Close	8.16 ($)

Ex-Dividend date	--
Payment date	--
Annual Dividend	--
Dividend Yield	--
Shareholders Yield	36.21%
Next Earnings
Market cap	399.43M (USD)
EPS (TTM)	0.40 ($)
P/E (TTM)	20.40 ($)
Last Close	8.16

Next Earnings
Market cap	399.43M (USD)
EPS (TTM)	0.40 ($)
P/E (TTM)	20.40 ($)
Last Close	8.16 ($)