Oportun Financial (OPRT) EBIT Margin (2018 - 2026)
Oportun Financial (OPRT) reported EBIT Margin of 1.56% for Q1 2026, down 1088.0% on a YoY basis from 0.16% in Q1 2025, and up 52.05% quarter-over-quarter from 1.02% in Q4 2025.
Oportun Financial (OPRT) EBIT Margin (2018 - 2026) Analysis & Trends
Oportun Financial has reported EBIT Margin for 9 years, with the latest figure at 1.56% in Q1 2026.
- For the quarter ending Q1 2026, EBIT Margin fell 1088.0% year-over-year to 1.56%; the trailing twelve-month figure through Mar 2026 stood at 3.19% (down 2830.0% YoY), and the FY2025 full-year result was 4.61%, up 4362.0% from the prior year.
- EBIT Margin for Q1 2026 stood at 1.56%, up from 1.02% in the prior quarter.
- The five-year high for EBIT Margin was 26.86% in Q1 2022, with the low at 81.87% in Q2 2024.
- Historically, EBIT Margin has averaged 13.86% across 5 years, with a median of 8.73% in 2022.
- Annual changes were most pronounced in 2023 — EBIT Margin sank 8140 bps — and 2025, when it jumped 9154 bps.
- Oportun Financial's EBIT Margin stood at 15.86% in 2022, then slumped by 238 bps to 21.81% in 2023, then soared by 96 bps to 0.86% in 2024, then soared by 219 bps to 1.02% in 2025, then soared by 52 bps to 1.56% in 2026.
- The last three EBIT Margin figures came in at 1.56% (Q1 2026), 1.02% (Q4 2025), and 13.56% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBIT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 64.42% |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | 58.43% |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 18.77% |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 44.55% |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 17.81% |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 42.26% |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | 26.44% |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | 3.39% |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | 35.49% |
| 10 | Oportun Financial | 225.32 Mn | 94.94 Mn | - | 1.56% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 1.56% |
| Dec 31, 2025 | 1.02% |
| Sep 30, 2025 | 13.56% |
| Jun 30, 2025 | 9.67% |
| Mar 31, 2025 | 12.43% |
| Dec 31, 2024 | -0.86% |
| Sep 30, 2024 | -63.02% |
| Jun 30, 2024 | -81.87% |
| Mar 31, 2024 | -12.17% |
| Dec 31, 2023 | -21.81% |
| Sep 30, 2023 | -13.93% |
| Jun 30, 2023 | -14.73% |
| Mar 31, 2023 | -54.54% |
| Dec 31, 2022 | 15.86% |
| Sep 30, 2022 | -44.93% |
| Jun 30, 2022 | -8.73% |
| Mar 31, 2022 | 26.86% |
| Dec 31, 2021 | 8.13% |
| Sep 30, 2021 | 20.16% |
| Jun 30, 2021 | 7.09% |