In fiscal 2025, which ended Dec 31, 2025, Oportun Financial Corporation reported revenue of $19.5 million, down 14.1% from the year before. Net income was $25.2 million, a profit margin of 129.7%. Diluted earnings per share were $0.53. Over the twelve months ended Sep 30, 2026, revenue was $19.6 million and net income was $37.2 million. Across the 7 fiscal years shown, revenue shrank from $600.1 million in fiscal 2019 to $19.5 million in fiscal 2025, about 43.5% a year.
USD in millions, except per-share amounts and margins. The percent under a figure is the change from the year before.
| Line |
FY 2026
Sep 30, 2026
|
FY 2025
Dec 31, 2025
|
FY 2024
Dec 31, 2024
|
FY 2023
Dec 31, 2023
|
FY 2022
Dec 31, 2022
|
FY 2021
Dec 31, 2021
|
FY 2020
Dec 31, 2020
|
FY 2019
Dec 31, 2019
|
|---|---|---|---|---|---|---|---|---|
| Revenue |
20
+2.2%
|
19
-14.1%
|
23
-11.3%
|
26
-18.0%
|
31
-95.0%
|
627
+7.4%
|
584
-2.7%
|
600
|
| Selling, general and administrative |
21
-36.9%
|
34
-36.1%
|
53
-26.5%
|
72
+23.0%
|
59
+57.0%
|
37
+83.1%
|
20
+33.0%
|
15
|
| Pretax income |
60
+45.6%
|
44
+138.3%
|
-115
+54.6%
|
-254
-236.9%
|
-75
-219.9%
|
63
+208.1%
|
-58
-168.8%
|
84
|
| Income tax |
23
+113.2%
|
19
+151.6%
|
-36
+50.5%
|
-74
-3098.5%
|
2
-84.0%
|
15
+218.2%
|
-13
-157.0%
|
23
|
| Net income |
37
+21.7%
|
25
+132.1%
|
-79
+56.3%
|
-180
-131.5%
|
-78
-264.0%
|
47
+205.2%
|
-45
-173.2%
|
62
|
| Basic EPS |
0.78
+15.4%
|
0.54
+127.7%
|
-1.95
+60.0%
|
-4.88
-105.9%
|
-2.37
-241.1%
|
1.68
+201.8%
|
-1.65
-458.7%
|
0.46
|
| Diluted EPS |
0.76
+14.8%
|
0.53
+127.2%
|
-1.95
+60.0%
|
-4.88
-105.9%
|
-2.37
-251.9%
|
1.56
+194.5%
|
-1.65
-512.5%
|
0.40
|
| Weighted average shares, basic |
48
+5.4%
|
46
+15.0%
|
40
+9.4%
|
37
+12.3%
|
33
+16.4%
|
28
+3.1%
|
27
+192.4%
|
9
|
| Weighted average shares, diluted |
49
+6.0%
|
48
+18.6%
|
40
+9.4%
|
37
+12.3%
|
33
+8.3%
|
30
+10.9%
|
27
+154.0%
|
11
|
| Other measures | ||||||||
| Depreciation and amortization |
1
-50.0%
|
2
-48.6%
|
4
-18.6%
|
4
-17.3%
|
5
-44.7%
|
9
+0.0%
|
9
+6.8%
|
9
|
| Margins | ||||||||
| Pretax margin |
307.81%
|
226.44%
|
-508.10%
|
-992.03%
|
-241.41%
|
10.02%
|
-9.95%
|
14.07%
|
| Profit margin |
189.88%
|
129.70%
|
-347.11%
|
-703.79%
|
-249.29%
|
7.56%
|
-7.72%
|
10.26%
|
| Effective tax rate |
38.31%
|
42.72%
|
—
|
—
|
—
|
24.49%
|
—
|
27.04%
|
How these figures are calculated
Annual columns are full-year amounts from the annual report (Form 10-K, 20-F, or 40-F). If a company restates a year, the latest filed number is shown. USD in millions, except per-share amounts and margins. Weighted average shares are in millions. Interest expense and finance costs are positive costs. A negative amount on a gain (loss) or income (expense) line is a loss or an expense. EBITDA is operating income plus depreciation and amortization. Interest coverage is operating income divided by interest expense. The first column is the trailing twelve months through the latest quarter. More on our methodology.
New to this? Read How to Read an Income Statement, With a Real Example.
Company profile
- Industry
- Finance Services (SIC 6199)
- Listed as
- OPRT (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- DE
- Headquarters
- San Mateo, CA
- SEC filer status
- Accelerated filer, Smaller reporting company
- SEC CIK
- 1538716
- Former names
- Progreso Financiero Holdings, Inc. (until Sep 10, 2013)
Other Finance Services companies
Source: SEC EDGAR filings. This is company-reported data, not investment advice.