Oportun Financial Corp
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 27, 2026
OPRT$11.65+0.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 8. Consolidated Statements of Operations
Consolidated Statements of Operations
(in thousands, except share and per share data)
| Year Ended December 31, | ||
|---|---|---|
| 2025 | 2024 | |
| Revenue | ||
| Interest income | $893,222 | $925,468 |
| Non-interest income | 63,463 | 76,307 |
| Total revenue | 956,685 | 1,001,775 |
| Less: | ||
| Interest expense | 231,503 | 238,158 |
| Net decrease in fair value | (319,345) | (468,413) |
| Net revenue | 405,837 | 295,204 |
| Operating expenses: | ||
| Technology and facilities | 142,441 | 166,177 |
| Sales and marketing | 70,596 | 66,973 |
| Personnel | 79,949 | 87,166 |
| Outsourcing and professional fees | 34,795 | 36,847 |
| General, administrative and other | 33,980 | 53,218 |
| Total operating expenses | 361,761 | 410,381 |
| Income (loss) before taxes | 44,076 | (115,177) |
| Income tax expense (benefit) | 18,830 | (36,495) |
| Net income (loss) | $25,246 | $(78,682) |
| Net income (loss) attributable to common stockholders | $25,246 | $(78,682) |
| Share data: | ||
| Earnings (loss) per share: | ||
| Basic | $0.54 | $(1.95) |
| Diluted | $0.53 | $(1.95) |
| Weighted average common shares outstanding: | ||
| Basic | 46,418,934 | 40,356,025 |
| Diluted | 47,858,631 | 40,356,025 |
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