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Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $406M | - | $25M | $389M | 6.5% | 37.5% | -132.1% |
| 2024 | $295M | - | $-79M | $374M | -22.2% | 5.2% | -56.3% |
| 2023 | $281M | - | $-180M | $362M | -44.5% | -56.2% | 131.5% |
| 2022 | $641M | - | $-78M | $199M | -14.2% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 640.66 | 280.67 | 295.20 | 405.84 |
| Operating Revenue | - | 640.66 | 280.67 | 295.20 | 405.84 |
| Selling General And Administration | - | 323.72 | 269.51 | 207.36 | 184.52 |
| Interest Income | - | 879.95 | 984.57 | 949.69 | 910.64 |
| Interest Expense | - | 93.05 | 179.41 | 238.16 | 231.50 |
| Net Interest Income | - | 786.91 | 805.16 | 711.53 | 679.13 |
| Pretax Income | - | -75.29 | -253.65 | -115.18 | 44.08 |
| Tax Provision | - | 2.46 | -73.70 | -36.49 | 18.83 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -22.78 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | -77.74 | -179.95 | -78.68 | 25.25 |
| Net Income From Continuing And Discontinued Operation | - | -77.74 | -179.95 | -78.68 | 25.25 |
| Net Income From Continuing Operation Net Minority Interest | - | -77.74 | -179.95 | -78.68 | 25.25 |
| Net Income | - | -77.74 | -179.95 | -78.68 | 25.25 |
| Net Income Common Stockholders | - | -77.74 | -179.95 | -78.68 | 25.25 |
| Net Income Including Noncontrolling Interests | - | -77.74 | -179.95 | -78.68 | 25.25 |
| Normalized Income | - | 7.95 | -179.95 | -78.68 | 25.25 |
| Diluted NI Availto Com Stockholders | - | -77.74 | -179.95 | -78.68 | 25.25 |
| Basic Average Shares | - | 32.83 | 36.88 | 40.36 | 46.42 |
| Diluted Average Shares | - | 32.83 | 36.88 | 40.86 | 47.86 |
| Reconciled Depreciation | - | 47.53 | 54.88 | 51.16 | 41.41 |
| Total Unusual Items | 0 | -108.47 | 0 | - | - |
| Total Unusual Items Excluding Goodwill | 0 | -108.47 | 0 | - | - |
| Special Income Charges | 0 | -108.47 | 0 | - | - |
| Impairment Of Capital Assets | 0 | 108.47 | 0 | - | - |
| Gain On Sale Of Security | - | -11.99 | 3.30 | 12 | -8.93 |
| General And Administrative Expense | - | 213.69 | 194.23 | 140.38 | 113.93 |
| Other Gand A | - | 58.84 | 72.39 | 53.22 | 33.98 |
| Salaries And Wages | - | 154.85 | 121.84 | 87.17 | 79.95 |
| Selling And Marketing Expense | - | 110.03 | 75.28 | 66.97 | 70.60 |
| Professional Expense And Contract Services Expense | - | 67.63 | 45.40 | 36.85 | 34.80 |
| Other Non Interest Expense | - | 216.12 | 219.41 | 166.18 | 142.44 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Oportun Financial Corporationthis co. | OPRT | $220M | 8.73↓ discount | 0.57 | 6.5% | - |
| Virginia National Bankshares Corporation | VABK | $229M | 11.89 | 1.24 | 10.5% | - |
| Ohio Valley Banc Corp. | OVBC | $227M | 14.56 | 1.33 | 9.2% | - |
| FB Bancorp, Inc. | FBLA | $225M | 179.93 | 0.72 | 0.4% | - |
| Peoples Bancorp of North Carolina, Inc. |
| - |
| - |
| - |
| - |
| - |
| - |
| PEBK |
| $223M |
| 11.26 |
| 1.42 |
| 12.6% |
| - |
| National Bankshares, Inc. | NKSH | $222M | 14.04 | 1.20 | 8.6% | - |
| Eagle Financial Services, Inc. | EFSI | $221M | 26.88 | 1.17 | 4.3% | - |
| Meridian Corporation | MRBK | $220M | 10.09 | 1.10 | 10.9% | - |
| Kingstone Companies, Inc. | KINS | $219M | 5.38 | 1.79 | 33.2% | - |
| Peer Median | - | 12.97 | 1.22 | 9.8% | - | |