Oportun Financial (OPRT) Retained Earnings (2018 - 2026)
Oportun Financial (OPRT) reported Retained Earnings of -$224.9 million for Q1 2026, up 7.34% on a YoY basis from -$209.6 million in Q1 2025, and up 1.03% quarter-over-quarter from -$227.3 million in Q4 2025.
Oportun Financial (OPRT) Retained Earnings (2018 - 2026) Analysis & Trends
Oportun Financial has reported Retained Earnings for 9 years, with the latest figure at -$224.9 million in Q1 2026.
- For the quarter ending Q1 2026, Retained Earnings rose 7.34% year-over-year to -$224.9 million; the trailing twelve-month figure through Mar 2026 stood at -$224.9 million (up 7.34% YoY), and the FY2025 full-year result was -$227.3 million, up 10.0% from the prior year.
- Retained Earnings for Q1 2026 stood at -$224.9 million, up from -$227.3 million in the prior quarter.
- The five-year high for Retained Earnings was $129.5 million in Q1 2022, with the low at -$261.3 million in Q3 2024.
- Historically, Retained Earnings has averaged -$138.2 million across 5 years, with a median of -$200.3 million in 2024.
- Annual changes were most pronounced in 2022 — Retained Earnings surged 228.28% — and 2023, when it slumped 2949.05%.
- Oportun Financial's Retained Earnings stood at $6.1 million in 2022, then tumbled by 2949.05% to -$173.8 million in 2023, then tumbled by 45.26% to -$252.5 million in 2024, then gained by 10.0% to -$227.3 million in 2025, then increased by 1.03% to -$224.9 million in 2026.
- The last three Retained Earnings figures came in at -$224.9 million (Q1 2026), -$227.3 million (Q4 2025), and -$230.7 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | 13.12 Bn |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | -928.00 Mn |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | 26.09 Bn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | 66.79 Bn |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | 33.45 Bn |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | 25.21 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | -23.59 Mn |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | -2.74 Mn |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | -2.77 Bn |
| 10 | Oportun Financial | 225.32 Mn | 94.94 Mn | - | -224.94 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -224.94 Mn |
| Dec 31, 2025 | -227.29 Mn |
| Sep 30, 2025 | -230.69 Mn |
| Jun 30, 2025 | -235.89 Mn |
| Mar 31, 2025 | -242.76 Mn |
| Dec 31, 2024 | -252.53 Mn |
| Sep 30, 2024 | -261.27 Mn |
| Jun 30, 2024 | -231.31 Mn |
| Mar 31, 2024 | -200.29 Mn |
| Dec 31, 2023 | -173.85 Mn |
| Sep 30, 2023 | -132.03 Mn |
| Jun 30, 2023 | -110.89 Mn |
| Mar 31, 2023 | -95.99 Mn |
| Dec 31, 2022 | 6.10 Mn |
| Sep 30, 2022 | 14.53 Mn |
| Jun 30, 2022 | 120.35 Mn |
| Mar 31, 2022 | 129.51 Mn |
| Dec 31, 2021 | 83.85 Mn |
| Sep 30, 2021 | 69.68 Mn |
| Jun 30, 2021 | 46.70 Mn |