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Income Statement
Balance Sheet
Cash Flow Statement

Common Size IS
Op Efficiency
Credit Analysis

Oportun Financial Corp (OPRT)

Income Statement

Standardized | As Reported Annual | Quarterly | TTM
 
In millions, except per share itemsDec-31-22Dec-31-21Dec-31-20Dec-31-19Dec-31-18Dec-31-17Dec-31-16
   10-K10-K10-K10-K10-K10-KS-1/A
    Total interest income  876.1575.8545.5   254.2
    Total interest expense     60.546.936.428.8
Net interest income  876.1575.8545.560.546.936.4282.9
Provision for loan losses     -4.516.198.3 
Net interest income after provision for loan losses  876.1575.8545.565.030.8-61.9282.9
Total non-interest income  76.450.938.392.682.355.323.4
Non-interest expenses  715.9467.7393.2362.4287.3224.2 
Asset impairment  108.5      
Pre-tax income  -75.362.8-58.184.4170.12.116.1
Income taxes  2.515.4-13.022.846.712.3-34.8
            Tax rate   24.5%22.4%27.0%27.5%593.3% 
Net income  -77.747.4-45.14.316.6-10.24.4
            Net margin  -249.3%5832.0%-13.5%2.7%14.7%-2.3%1.6%
   
Basic EPS  ($2.37)$1.68($1.65)$0.46$6.42($4.22)$1.83
Diluted EPS  ($2.37)$1.56($1.65)$0.40$4.47($4.22)$1.28
   
Shares outstanding (basic)  32.828.227.39.32.62.42.4
Shares outstanding (diluted)  32.830.327.310.83.72.43.5
   
EBIT is a non-GAAP figure that excludes all non-recurring expenses: restructuring costs, asset impairments, IPR&D writeoffs, and other unusual charges.  

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