OPORTUN FINANCIAL CORPORATION
Income Statement
| Line Item | FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | $956.7M | $1.00B | $1.06B | $952.5M | $626.8M | $583.7M | $600.1M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | $34.0M | $53.2M | $72.4M | $58.8M | $37.5M | $20.5M | $15.4M |
| Operating Income | — | $44.1M | $-115.2M | $-253.7M | $-75.3M | $62.8M | $-58.1M | $84.4M |
| Operating Margin | — | 4.6% | -11.5% | -24.0% | -7.9% | 10.0% | -10.0% | 14.1% |
| Interest Expense | — | — | — | — | — | — | — | — |
| Pretax Income | — | $44.1M | $-115.2M | $-253.7M | $-75.3M | $62.8M | $-58.1M | $84.4M |
| Income Tax Expense | — | $18.8M | $-36.5M | $-73.7M | $2.5M | $15.4M | $-13.0M | $22.8M |
| Net Income | — | $25.2M | $-78.7M | $-180.0M | $-77.7M | $47.4M | $-45.1M | $61.6M |
| Net Margin | — | 2.6% | -7.9% | -17.0% | -8.2% | 7.6% | -7.7% | 10.3% |
| EPS (Basic) | — | $0.54 | $-1.95 | $-4.88 | $-2.37 | $1.68 | $-1.65 | $0.15 |
| EPS (Diluted) | — | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 | $-1.65 | $0.13 |
| Shares Outstanding (Basic) | 45.7M | 46.4M | 40.4M | 36.9M | 32.8M | 28.2M | 27.3M | 28.0M |
| Shares Outstanding (Diluted) | 45.7M | 47.9M | 40.4M | 36.9M | 32.8M | 30.3M | 27.3M | 32.3M |
| Dividends Per Share | — | — | — | — | — | — | — | — |