Oportun Financial (OPRT) EBITDA Margin (2018 - 2026)
Oportun Financial's (OPRT) quarterly EBITDA Margin came in at 21.21% in Q1 2026, down 576.0% YoY from 4.46% in Q1 2025, and up 104.23% on a QoQ basis from 10.38% in Q4 2025.
Oportun Financial (OPRT) EBITDA Margin (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has 9 years of EBITDA Margin data on file, last reported at 21.21% in Q1 2026.
- Quarterly EBITDA Margin fell 576.0% year-over-year to 21.21% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 18.8% (down 161.0% YoY) and the FY2025 annual result came in at 14.2%, down 1927.0% from the prior year.
- EBITDA Margin improved to 21.21% in Q1 2026, from 10.38% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 30.2% in Q1 2022 to a low of 41.05% in Q3 2022.
- A 5-year average of 4.95% and a median of 6.58% in 2024 frame the typical range for EBITDA Margin.
- Annual changes were most pronounced in 2023 — EBITDA Margin sank 7030 bps — and 2025, when it jumped 3780 bps.
- Tracing OPRT's EBITDA Margin over 5 years: stood at 16.7% in 2022, then dropped by 23 bps to 20.55% in 2023, then surged by 39 bps to 12.6% in 2024, then surged by 182 bps to 10.38% in 2025, then surged by 104 bps to 21.21% in 2026.
- The last three EBITDA Margin figures came in at 21.21% (Q1 2026), 10.38% (Q4 2025), and 28.39% (Q3 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 59.12% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 60.22% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 17.85% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 87.81% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 16.44% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 44.85% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 8.51% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -720.86% |
| 10 | Oportun Financial | 382.81 Mn | 303.34 Mn | - | 21.21% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 21.21% |
| Dec 31, 2025 | 10.38% |
| Sep 30, 2025 | 28.39% |
| Jun 30, 2025 | 11.16% |
| Mar 31, 2025 | 26.96% |
| Dec 31, 2024 | -12.60% |
| Sep 30, 2024 | -6.58% |
| Jun 30, 2024 | -18.88% |
| Mar 31, 2024 | -10.84% |
| Dec 31, 2023 | -20.55% |
| Sep 30, 2023 | -38.10% |
| Jun 30, 2023 | -4.71% |
| Mar 31, 2023 | -40.10% |
| Dec 31, 2022 | -16.70% |
| Sep 30, 2022 | -41.05% |
| Jun 30, 2022 | -2.26% |
| Mar 31, 2022 | 30.20% |
| Dec 31, 2021 | 12.72% |
| Sep 30, 2021 | 23.81% |
| Jun 30, 2021 | 44.43% |