What is OPLN's provision for credit losses?

OPLN (OPLN) reported provision for credit losses of $10.3M in Q1 2026.

How has OPLN's provision for credit losses changed year-over-year?

OPLN's provision for credit losses increased by 10.8% year-over-year, from $9.3M to $10.3M.

What is the long-term trend for OPLN's provision for credit losses?

Over 2 years (2023 to 2025), OPLN's provision for credit losses has grown at a -15.4% compound annual growth rate (CAGR), from $59.2M to $42.4M.

What does provision for credit losses mean?

Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.

OPLN OPLN Provision for Credit Losses

Provision for Credit Losses at other companies

CopartCPRT

$126K—

Credit AcceptanceCACC

$139.6M-13.8%

Landstar SystemLSTR

$107K-98.3%

ArcBestARCB

$736K-34.8%

Segments

By segment

See full

Finance$9.7M+7.8%

Marketplace$600K+100%

Other financials

Income statement

See full

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

See full

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

See full

Operating cash flow$159.6M+30.2%

CapEx$13.1M+10.1%

Free cash flow$146.5M+32.3%

Valuation

See full

Market cap$4.03B—

Enterprise value$4.46B—

P/E21.3×—

P/S2×—

Profitability

See full

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: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 provision for credit losses?: OPLN (OPLN) reported provision for credit losses of $10.3M in Q1 2026.
How has OPLN's provision for credit losses changed year-over-year?: OPLN's provision for credit losses increased by 10.8% year-over-year, from $9.3M to $10.3M.
What is the long-term trend for OPLN's provision for credit losses?: Over 2 years (2023 to 2025), OPLN's provision for credit losses has grown at a -15.4% compound annual growth rate (CAGR), from $59.2M to $42.4M.
What does provision for credit losses mean?: Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.