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OPLN OPLN Marketplace — Provision for Credit Losses

Other segment segments

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$9.7M+7.8%

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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 marketplace — provision for credit losses?
OPLN (OPLN) reported marketplace — provision for credit losses of $600K in Q1 2026.
How has OPLN's marketplace — provision for credit losses changed year-over-year?
OPLN's marketplace — provision for credit losses increased by 100.0% year-over-year, from $300K to $600K.
What is the long-term trend for OPLN's marketplace — provision for credit losses?
Over 3 years (2022 to 2025), OPLN's marketplace — provision for credit losses has grown at a -16.6% compound annual growth rate (CAGR), from $8.8M to $5.1M.
What does marketplace — provision for credit losses mean?
The periodic expense recognized to account for expected credit losses on receivables and financing products within the marketplace segment. It serves as a buffer against potential defaults by buyers or sellers participating in the platform's credit programs.