Oportun Financial (OPRT) EBT (2018 - 2026)
Oportun Financial's (OPRT) quarterly EBT came in at $3.6 million in Q1 2026, down 72.94% YoY from $13.2 million in Q1 2025, and down 45.76% on a QoQ basis from $6.6 million in Q4 2025.
Analysis
Oportun Financial (OPRT) EBT (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has 9 years of EBT data on file, last reported at $3.6 million in Q1 2026.
- Quarterly EBT fell 72.94% year-over-year to $3.6 million in Q1 2026, while the trailing twelve-month figure through Mar 2026 was $34.5 million (up 148.19% YoY) and the FY2025 annual result came in at $44.1 million, up 138.27% from the prior year.
- EBT slipped to $3.6 million in Q1 2026, from $6.6 million in the prior quarter.
- In the past five years, EBT ranged from a high of $57.7 million in Q1 2022 to a low of -$141.5 million in Q1 2023.
- A 5-year average of -$23.3 million and a median of -$12.7 million in 2022 frame the typical range for EBT.
- Annual changes were most pronounced in 2022 — EBT jumped 1350.82% — and 2023, when it plunged 623.13%.
- Tracing OPRT's EBT over 5 years: stood at -$7.9 million in 2022, then sank by 623.13% to -$57.3 million in 2023, then surged by 106.83% to $3.9 million in 2024, then soared by 67.86% to $6.6 million in 2025, then slumped by 45.76% to $3.6 million in 2026.
- The last three EBT figures came in at $3.6 million (Q1 2026), $6.6 million (Q4 2025), and $14.2 million (Q3 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 6.83 Bn |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 5.49 Bn |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 4.07 Bn |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 3.82 Bn |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 1.31 Bn |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 169.09 Mn |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 1.19 Bn |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 204.31 Mn |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 537.00 Mn |
| 10 | Oportun Financial | 338.19 Mn | 198.60 Mn | - | 15.62 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 15.62 Mn |
| Mar 31, 2026 | 3.56 Mn |
| Dec 31, 2025 | 6.57 Mn |
| Sep 30, 2025 | 14.24 Mn |
| Jun 30, 2025 | 10.11 Mn |
| Mar 31, 2025 | 13.16 Mn |
| Dec 31, 2024 | 3.91 Mn |
| Sep 30, 2024 | -39.46 Mn |
| Jun 30, 2024 | -49.15 Mn |
| Mar 31, 2024 | -30.48 Mn |
| Dec 31, 2023 | -57.28 Mn |
| Sep 30, 2023 | -37.37 Mn |
| Jun 30, 2023 | -17.47 Mn |
| Mar 31, 2023 | -141.53 Mn |
| Dec 31, 2022 | -7.92 Mn |
| Sep 30, 2022 | -112.36 Mn |
| Jun 30, 2022 | -12.67 Mn |
| Mar 31, 2022 | 57.67 Mn |
| Dec 31, 2021 | 20.89 Mn |
| Sep 30, 2021 | 28.12 Mn |