Oportun Financial (OPRT) Net Margin (2018 - 2026)
Oportun Financial's (OPRT) quarterly Net Margin came in at 3.66% in Q2 2026, up 73.0% on a YoY basis from 2.12% in Q2 2025, and up 257.04% quarter-over-quarter from 1.03% in Q1 2026.
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Oportun Financial (OPRT) Net Margin (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has reported Net Margin for 9 consecutive years, with 3.66% the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Net Margin rose 73.0% year-over-year to 3.66%; the trailing twelve-month figure through Jun 2026 stood at 2.05% (up 253.0% YoY), and the FY2025 full-year result was 2.64%, up 1049.0% from the prior year.
- Net Margin advanced to 3.66% in Q2 2026 per OPRT's latest filing, from 1.03% in the prior quarter.
- Across five years, Net Margin topped out at 21.27% in Q1 2022 and bottomed at 42.32% in Q3 2022.
- Historically, Net Margin has averaged 6.29% across 5 years, with a median of 3.64% in 2022.
- The widest YoY moves for Net Margin: up 3444 bps in 2023, down 6061 bps in 2023.
- Over 5 years, Net Margin stood at 3.22% in 2022, then plunged by 395 bps to 15.93% in 2023, then surged by 122 bps to 3.48% in 2024, then tumbled by 61 bps to 1.37% in 2025, then soared by 166 bps to 3.66% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 3.66%, 1.03%, and 1.37% for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 17.93% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 138.65% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 8.70% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 23.14% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 13.03% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 11.31% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 14.50% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.00% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 9.19% |
| 10 | Oportun Financial | 374.95 Mn | 235.36 Mn | - | 3.66% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 3.66% |
| Mar 31, 2026 | 1.03% |
| Dec 31, 2025 | 1.37% |
| Sep 30, 2025 | 2.18% |
| Jun 30, 2025 | 2.93% |
| Mar 31, 2025 | 4.14% |
| Dec 31, 2024 | 3.48% |
| Sep 30, 2024 | -11.98% |
| Jun 30, 2024 | -12.39% |
| Mar 31, 2024 | -10.56% |
| Dec 31, 2023 | -15.93% |
| Sep 30, 2023 | -7.88% |
| Jun 30, 2023 | -5.59% |
| Mar 31, 2023 | -39.34% |
| Dec 31, 2022 | -3.22% |
| Sep 30, 2022 | -42.32% |
| Jun 30, 2022 | -4.06% |
| Mar 31, 2022 | 21.27% |
| Dec 31, 2021 | 7.30% |
| Sep 30, 2021 | 14.44% |