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OPLN OPLN Finance — Provision for Credit Losses

Other segment segments

Marketplace
$600K+100%

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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$4.03B
Enterprise value$4.46B
P/E21.3×
P/S

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

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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:ProvisionForLoanLeaseAndOtherLosses.

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 — provision for credit losses?
OPLN (OPLN) reported finance — provision for credit losses of $9.7M in Q1 2026.
How has OPLN's finance — provision for credit losses changed year-over-year?
OPLN's finance — provision for credit losses increased by 7.8% year-over-year, from $9M to $9.7M.
What is the long-term trend for OPLN's finance — provision for credit losses?
Over 3 years (2022 to 2025), OPLN's finance — provision for credit losses has grown at a 56.1% compound annual growth rate (CAGR), from $9.8M to $37.3M.
What does finance — provision for credit losses mean?
The periodic expense recognized in the income statement to adjust the allowance for credit losses based on expected default rates. It serves as a key indicator of the credit quality of the underlying loan book and the impact of economic conditions on borrower repayment.