Oportun Financial (OPRT) EBT Margin (2018 - 2026)
Oportun Financial's (OPRT) quarterly EBT Margin came in at 6.7% in Q2 2026, up 238.0% on a YoY basis from 1.98% in Q2 2025, and up 330.25% quarter-over-quarter from 1.56% in Q1 2026.
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Oportun Financial (OPRT) EBT Margin (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has reported EBT Margin for 9 consecutive years, with 6.7% the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, EBT Margin rose 238.0% year-over-year to 6.7%; the trailing twelve-month figure through Jun 2026 stood at 4.22% (up 548.0% YoY), and the FY2025 full-year result was 4.61%, up 1610.0% from the prior year.
- EBT Margin rose to 6.7% in Q2 2026 per OPRT's latest filing, from 1.56% in the prior quarter.
- Across five years, EBT Margin topped out at 26.86% in Q1 2022 and bottomed at 54.54% in Q1 2023.
- Historically, EBT Margin has averaged 7.93% across 5 years, with a median of 4.32% in 2022.
- The sharpest annual moves came in 2023 and 2024: EBT Margin slumped 8140 bps in 2023, then jumped 4237 bps in 2024.
- Over 5 years, EBT Margin stood at 3.02% in 2022, then sank by 621 bps to 21.81% in 2023, then surged by 107 bps to 1.56% in 2024, then jumped by 70 bps to 2.65% in 2025, then soared by 153 bps to 6.7% in 2026.
- According to Business Quant data, EBT Margin over the past three periods registered 6.7%, 1.56%, and 2.65% for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 24.62% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 14.50% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 11.82% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 28.70% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 19.08% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 15.08% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 19.84% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 19.43% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 12.42% |
| 10 | Oportun Financial | 374.95 Mn | 235.36 Mn | - | 6.70% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 6.70% |
| Mar 31, 2026 | 1.56% |
| Dec 31, 2025 | 2.65% |
| Sep 30, 2025 | 5.97% |
| Jun 30, 2025 | 4.31% |
| Mar 31, 2025 | 5.58% |
| Dec 31, 2024 | 1.56% |
| Sep 30, 2024 | -15.79% |
| Jun 30, 2024 | -19.63% |
| Mar 31, 2024 | -12.17% |
| Dec 31, 2023 | -21.81% |
| Sep 30, 2023 | -13.93% |
| Jun 30, 2023 | -6.55% |
| Mar 31, 2023 | -54.54% |
| Dec 31, 2022 | -3.02% |
| Sep 30, 2022 | -44.93% |
| Jun 30, 2022 | -5.61% |
| Mar 31, 2022 | 26.86% |
| Dec 31, 2021 | 10.76% |
| Sep 30, 2021 | 17.68% |