What is OPLN's finance — finance receivables allowances?

OPLN (OPLN) reported finance — finance receivables allowances of $30M in Q1 2026.

How has OPLN's finance — finance receivables allowances changed year-over-year?

OPLN's finance — finance receivables allowances increased by 46.3% year-over-year, from $20.5M to $30M.

What does finance — finance receivables allowances mean?

The total reserve amount set aside to cover estimated losses from uncollectible financing receivables. This reflects management's assessment of credit risk within the loan portfolio and the potential for future defaults.

OPLN OPLN Finance — Finance receivables allowances

Other segment segments

Marketplace

$9.7M+44.8%

Similar metrics at other companies

PCARFinancial Services — Financing Receivable Allowance For Credit Losses

$196.3M+35.8%

RBCFinancing Receivable Allowance For Credit Losses Additions

$275K-8.3%

SEZLFinancing receivable, allowance for credit loss, excluding accrued interest, current

$19.79M-3.5%

PCARFinancial Services — Financing Receivable Nonaccrual With Allowance

$453.2M+124%

LADRFinancing receivable, allowance for credit loss, excluding accrued interest, current

$47.11M-9.8%

SCICurrent — Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest

$2.77M-1.7%

Other financials

Income statement

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Revenue$527.9M+14.7%

Gross profit$256.2M+17.3%

Operating income$73.8M+42.7%

Net income$48.9M+32.5%

EPS (diluted)$0.35+94.4%

Balance sheet

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Cash & equivalents$180.1M-18.3%

Total debt$607.3M+114%

Total equity$1.3B-8.7%

Total assets$4.9B+1.9%

Cash flow

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Operating cash flow$159.6M+30.2%

CapEx$13.1M+10.1%

Free cash flow$146.5M+32.3%

Valuation

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Market cap$4.08B—

Profitability

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Gross margin46.5%+0.6pp

Operating margin10.9%+0.1pp

Net margin9.5%+2.4pp

FCF margin18.6%+4.1pp

Returns & leverage

See full

Return on equity14.4%+5.0pp

Debt / equity0.5×+0.3×

Current ratio1.2×0.0×

Where this comes from

Reported directly by OPLN in its filing.

Tagged under the XBRL concept us-gaap:AllowanceForNotesAndLoansReceivableCurrent.

The official record: OPLN’s 10-Q, filed May 5, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is OPLN's finance — finance receivables allowances?: OPLN (OPLN) reported finance — finance receivables allowances of $30M in Q1 2026.
How has OPLN's finance — finance receivables allowances changed year-over-year?: OPLN's finance — finance receivables allowances increased by 46.3% year-over-year, from $20.5M to $30M.
What does finance — finance receivables allowances mean?: The total reserve amount set aside to cover estimated losses from uncollectible financing receivables. This reflects management's assessment of credit risk within the loan portfolio and the potential for future defaults.