What is Oportun Financial Corporation's net margin?

Oportun Financial Corporation (OPRT) reported net margin of 4.5% in Q1 2026.

What is the long-term trend for Oportun Financial Corporation's net margin?

Over 3 years (2021 to 2025), Oportun Financial Corporation's net margin has grown at a -11.4% compound annual growth rate (CAGR), from 8.9% to 6.2%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

Oportun Financial Corporation OPRT Net margin

Net margin at other companies

Enova InternationalENVA

10%+1.6pp

Upstart Holdings, Inc.UPST

4.3%+2.6pp

SoFi Technologies, Inc.SOFI

14.6%-2.6pp

OP BancorpOPBK

28.2%+2.9pp

Sound Financial BancorpSFBC

19.1%+5.2pp

Regional Management CorporationRM

7.4%+1.9pp

Other financials

Income statement

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Revenue$94.9M-10.3%

Net income$2.3M-76.0%

EPS (diluted)$0.05-76.2%

Balance sheet

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Cash & equivalents$209.9M-9.1%

Total debt$12.0M-30.5%

Total equity$396.3M+8.2%

Total assets$3.2B-1.8%

Cash flow

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Operating cash flow$103.7M+2.7%

CapEx$1.5M-84.6%

Free cash flow$60.5M+21.0%

Valuation

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Market cap$262.37M-17.1%

Enterprise value$64.49M-36.1%

P/E14.7×—

P/S0.7×-0.2×

Profitability

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FCF margin37.8%+9.3pp

Returns & leverage

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Return on equity4.7%—

Debt / equity0×0.0×

Where this comes from

Calculated from Oportun Financial Corporation’s reported figures.

net income/total revenue=4.5%

Based on trailing twelve months.

The official record: Oportun Financial Corporation’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Oportun Financial Corporation's net margin?: Oportun Financial Corporation (OPRT) reported net margin of 4.5% in Q1 2026.
What is the long-term trend for Oportun Financial Corporation's net margin?: Over 3 years (2021 to 2025), Oportun Financial Corporation's net margin has grown at a -11.4% compound annual growth rate (CAGR), from 8.9% to 6.2%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.