Oportun Financial Past Earnings Performance
Past criteria checks 0/6
Oportun Financial's earnings have been declining at an average annual rate of -41.8%, while the Consumer Finance industry saw earnings growing at 4.3% annually. Revenues have been growing at an average rate of 12.9% per year.
Key information
-41.8%
Earnings growth rate
-35.7%
EPS growth rate
| Consumer Finance Industry Growth | 7.2% |
| Revenue growth rate | 12.9% |
| Return on equity | -39.5% |
| Net Margin | -16.2% |
| Last Earnings Update | 30 Sep 2024 |
Revenue & Expenses Breakdown
How Oportun Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 797 | -129 | 715 | 0 |
| 30 Jun 24 | 824 | -120 | 740 | 0 |
| 31 Mar 24 | 853 | -104 | 769 | 0 |
| 31 Dec 23 | 878 | -180 | 803 | 0 |
| 30 Sep 23 | 893 | -147 | 853 | 0 |
| 30 Jun 23 | 895 | -231 | 851 | 0 |
| 31 Mar 23 | 879 | -225 | 826 | 0 |
| 31 Dec 22 | 859 | -78 | 785 | 0 |
| 30 Sep 22 | 816 | -55 | 707 | 0 |
| 30 Jun 22 | 741 | 74 | 631 | 0 |
| 31 Mar 22 | 658 | 90 | 593 | 0 |
| 31 Dec 21 | 579 | 47 | 502 | 0 |
| 30 Sep 21 | 524 | 42 | 470 | 0 |
| 30 Jun 21 | 499 | 13 | 480 | 0 |
| 31 Mar 21 | 500 | -29 | 460 | 0 |
| 31 Dec 20 | 525 | -45 | 501 | 0 |
| 30 Sep 20 | 548 | -49 | 509 | 0 |
| 30 Jun 20 | 564 | -71 | 491 | 0 |
| 31 Mar 20 | 558 | -11 | 474 | 0 |
| 31 Dec 19 | 544 | 4 | 421 | 0 |
| 30 Sep 19 | 523 | 4 | 365 | 0 |
| 30 Jun 19 | 493 | 34 | 311 | 0 |
| 31 Mar 19 | 473 | 47 | 256 | 0 |
| 31 Dec 18 | 433 | 17 | 235 | 0 |
| 30 Sep 18 | 366 | 3 | 222 | 0 |
| 30 Jun 18 | 313 | 0 | 212 | 0 |
| 31 Mar 18 | 265 | -39 | 198 | 0 |
| 31 Dec 17 | 226 | -10 | 193 | 0 |
| 31 Dec 16 | 178 | 4 | 140 | 0 |
| 31 Dec 15 | 124 | 0 | 96 | 0 |
Quality Earnings: OPRT is currently unprofitable.
Growing Profit Margin: OPRT is currently unprofitable.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: OPRT is unprofitable, and losses have increased over the past 5 years at a rate of 41.8% per year.
Accelerating Growth: Unable to compare OPRT's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: OPRT is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (-5.8%).
Return on Equity
High ROE: OPRT has a negative Return on Equity (-39.46%), as it is currently unprofitable.