Oportun Financial (OPRT) EBITDA Margin (2018 - 2026)
Oportun Financial (OPRT) posted EBITDA Margin of 10.48% for Q2 2026, up 1.59 percentage points from 8.89% a year earlier and up 4.99 percentage points from the prior quarter.
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Analysis
Oportun Financial (OPRT) EBITDA Margin (2018 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, EBITDA Margin at Oportun Financial was 8.17%, up 4.62 percentage points year-over-year; for FY2025, it was 8.94%, up 15.33 percentage points from FY2024.
- Annual EBITDA Margin shows a five-year change of +15.42 percentage points (FY2020 to FY2025).
- In prior years, Oportun Financial's EBITDA Margin was -6.39% in FY2024 (+12.42 pp), -18.81% in FY2023 (-15.89 pp), -2.91% in FY2022 (-17.26 pp) and 14.34% in FY2021 (+20.83 pp).
- The Q2 2026 figure stands as the highest quarterly EBITDA Margin since Q1 2022.
- On a year-over-year basis, EBITDA Margin increased in six of the last eight quarters, with an average year-over-year change of +9.91 percentage points.
- The strongest year-over-year quarter for EBITDA Margin in the past five years was Q1 2024, with a gain of 42.48 percentage points; the weakest was Q1 2023, with a drop of 81.22 percentage points.
- According to Business Quant data, EBITDA Margin for the three prior quarters was 5.49% (Q1 2026), 6.47% (Q4 2025) and 10.22% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 44.58% |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 83.49% |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 47.01% |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 22.34% |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | 52.57% |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Oportun Financial | 563.88 Mn | 7.21 Mn | - | 11.84% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 11.84% |
| Jun 30, 2026 | 7.44% |
| Mar 31, 2026 | 5.38% |
| Dec 31, 2025 | 3.13% |
| Sep 30, 2025 | 6.71% |
| Jun 30, 2025 | 5.00% |
| Mar 31, 2025 | 5.25% |
| Dec 31, 2024 | -1.91% |
| Sep 30, 2024 | -11.39% |
| Jun 30, 2024 | -17.85% |
| Mar 31, 2024 | -7.54% |
| Dec 31, 2023 | -18.09% |
| Sep 30, 2023 | -9.62% |
| Jun 30, 2023 | -5.98% |
| Mar 31, 2023 | -51.21% |
| Dec 31, 2022 | -1.59% |
| Sep 30, 2022 | -42.56% |
| Jun 30, 2022 | -3.41% |
| Mar 31, 2022 | 29.66% |
| Dec 31, 2021 | 10.74% |
API Access
Oportun Financial EBITDA Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=ebitda-margin&ticker=OPRT&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "ebitda-margin", "ticker": "OPRT", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=ebitda-margin&ticker=OPRT&period=max&api_key=YOUR_API_KEY");
const data = await res.json();