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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginInvested CapitalNet MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on Sales

Oportun Financial (OPRT) Net Margin (2018 - 2025)

Oportun Financial's Net Margin history spans 8 years, with the latest figure at 0.53% for Q4 2025.

  • For Q4 2025, Net Margin rose 245.0% year-over-year to 0.53%; the TTM value through Dec 2025 reached 1.87%, up 6538.0%, while the annual FY2025 figure was 2.64%, 2929.0% up from the prior year.
  • Net Margin reached 0.53% in Q4 2025 per OPRT's latest filing, down from 2.18% in the prior quarter.
  • In the past five years, Net Margin ranged from a high of 22.27% in Q1 2022 to a low of 42.32% in Q3 2022.
  • Average Net Margin over 5 years is 4.36%, with a median of 0.69% recorded in 2025.
  • Peak YoY movement for Net Margin: plummeted -6161bps in 2023, then surged 3754bps in 2025.
  • A 5-year view of Net Margin shows it stood at 14.48% in 2021, then plummeted by -122bps to 3.22% in 2022, then surged by 353bps to 8.14% in 2023, then crashed by -124bps to 1.92% in 2024, then surged by 128bps to 0.53% in 2025.
  • Per Business Quant, the three most recent readings for OPRT's Net Margin are 0.53% (Q4 2025), 2.18% (Q3 2025), and 2.93% (Q2 2025).