Oportun Financial Corp
For the period ended Sep 30, 2025. Filed Nov 5, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 5, 2025
OPRT$11.65+0.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
See the whole filing, with its images and exhibitsContents
Condensed Consolidated Statements of Operations
Condensed Consolidated Statements of Operations (Unaudited)
(in thousands, except share and per share data)
| Three Months Ended September 30, | Nine Months Ended September 30, | |||
|---|---|---|---|---|
| 2025 | 2024 | 2025 | 2024 | |
| Revenue | ||||
| Interest income | $222,340 | $230,044 | $660,842 | $692,007 |
| Non-interest income | 16,348 | 19,907 | 48,096 | 58,822 |
| Total revenue | 238,688 | 249,951 | 708,938 | 750,829 |
| Less: | ||||
| Interest expense | 56,620 | 55,749 | 173,561 | 164,458 |
| Net decrease in fair value | (77,018) | (131,585) | (219,947) | (384,554) |
| Net revenue | 105,050 | 62,617 | 315,430 | 201,817 |
| Operating expenses: | ||||
| Technology and facilities | 35,380 | 40,561 | 108,466 | 128,291 |
| Sales and marketing | 16,502 | 17,403 | 54,461 | 49,664 |
| Personnel | 19,015 | 21,038 | 60,227 | 67,462 |
| Outsourcing and professional fees | 9,405 | 10,088 | 27,118 | 28,704 |
| General, administrative and other | 10,504 | 12,991 | 27,647 | 46,784 |
| Total operating expenses | 90,806 | 102,081 | 277,919 | 320,905 |
| Income (loss) before taxes | 14,244 | (39,464) | 37,511 | (119,088) |
| Income tax expense (benefit) | 9,046 | (9,508) | 15,669 | (31,668) |
| Net income (loss) | $5,198 | $(29,956) | $21,842 | $(87,420) |
| Net income (loss) attributable to common stockholders | $5,198 | $(29,956) | $21,842 | $(87,420) |
| Share data: | ||||
| Earnings (loss) per share: | ||||
| Basic | $0.11 | $(0.75) | $0.47 | $(2.21) |
| Diluted | $0.11 | $(0.75) | $0.46 | $(2.21) |
| Weighted average common shares outstanding: | ||||
| Basic | 46,711,134 | 39,964,322 | 46,264,236 | 39,562,204 |
| Diluted | 48,310,110 | 39,964,322 | 47,751,476 | 39,562,204 |
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