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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% | - |
| 2024 | $295M | - | $-79M | $374M | -22.2% | 5.2% | - |
| 2023 | $281M | - | $-180M | $362M | -44.5% | -56.2% | - |
| 2022 | $641M | - | $-78M | $199M | -14.2% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 640.66 | 280.67 | 295.20 | 405.84 |
| Pretax Income | -75.29 | -253.65 | -115.18 | 44.08 |
| Tax Provision | 2.46 | -73.70 | -36.49 | 18.83 |
| Net Income | -77.74 | -179.95 | -78.68 | 25.25 |
| Net Income Common Stockholders | -77.74 | -179.95 | -78.68 | 25.25 |
| Interest Expense | 93.05 | 179.41 | 238.16 | 231.50 |
| Interest Income | 879.95 | 984.57 | 949.69 | 910.64 |
| Selling General And Administration | 323.72 | 269.51 | 207.36 | 184.53 |
| Normalized Income | 7.95 | -179.95 | -78.68 | 25.25 |
| Basic EPS | -2.37 | -4.88 | -1.95 | 0.54 |
| Diluted EPS | -2.37 | -4.88 | -1.95 | 0.53 |
| Tax Effect Of Unusual Items | -22.78 | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.21 | 0.29 | 0.32 | 0.21 |
| Total Unusual Items | -108.47 | 0 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | -108.47 | 0 | 0 | 0 |
| Net Income From Continuing Operation Net Minority Interest | -77.74 | -179.95 | -78.68 | 25.25 |
| Reconciled Depreciation | 47.53 | 54.88 | 51.16 | 41.41 |
| Net Interest Income | 786.91 | 805.16 | 711.53 | 679.13 |
| Net Income From Continuing And Discontinued Operation | -77.74 | -179.95 | -78.68 | 25.25 |
| Diluted Average Shares | 32.83 | 36.88 | 40.86 | 47.86 |
| Basic Average Shares | 32.83 | 36.88 | 40.36 | 46.42 |
| Diluted NI Availto Com Stockholders | -77.74 | -179.95 | -78.68 | 25.25 |
| Net Income Including Noncontrolling Interests | -77.74 | -179.95 | -78.68 | 25.25 |
| Net Income Continuous Operations | -77.74 | -179.95 | -78.68 | 25.25 |
| Special Income Charges | -108.47 | 0 | 0 | 0 |
| Impairment Of Capital Assets | 108.47 | 0 | 0 | 0 |
| Gain On Sale Of Security | -11.99 | 3.30 | 11.99 | -8.93 |
| Selling And Marketing Expense | 110.03 | 75.28 | 66.97 | 70.60 |
| 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 |
| Operating Revenue | 640.66 | 280.67 | 295.20 | 405.84 |
| 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 | $258M | 10.92 | 0.66 | 6.5% | - |
| First Western Financial, Inc. | MYFW | $270M | 18.01 | 0.99 | 5.0% | - |
| NI Holdings, Inc. | NODK | $267M | - | 1.11 | -4.3% | -18.82 |
| Fidelity D & D Bancorp, Inc. | FDBC | $258M | 8.70 | 1.05 | 11.8% | - |
| First National Corporation | FXNC |
| $253M |
| 14.26 |
| 1.35 |
| 9.5% |
| - |
| C&F Financial Corporation | CFFI | $249M | 8.81 | 0.94 | 10.2% | - |
| Ames National Corporation | ATLO | $248M | 11.57 | 1.19 | 9.2% | - |
| Kingstone Companies, Inc. | KINS | $245M | 5.89 | 1.99 | 33.2% | 4.55 |
| Chain Bridge Bancorp, Inc. | CBNA | $243M | 11.18 | 1.43 | 12.0% | - |
| Peer Median | - | 11.18 | 1.15 | 9.9% | -7.13 | |