Oportun Financial (OPRT) Retained Earnings (2018 - 2026)
Oportun Financial's (OPRT) quarterly Retained Earnings came in at -$216.4 million in Q2 2026, up 8.26% on a YoY basis from -$199.9 million in Q2 2025, and up 3.79% quarter-over-quarter from -$224.9 million in Q1 2026.
Analysis
Oportun Financial (OPRT) Retained Earnings (2018 - 2026) Analysis & Trends
Oportun Financial (OPRT) has reported Retained Earnings for 9 consecutive years, with -$216.4 million the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Retained Earnings rose 8.26% year-over-year to -$216.4 million; the trailing twelve-month figure through Jun 2026 stood at -$216.4 million (up 8.26% YoY), and the FY2025 full-year result was -$227.3 million, up 10.0% from the prior year.
- Retained Earnings advanced to -$216.4 million in Q2 2026 per OPRT's latest filing, from -$224.9 million in the prior quarter.
- Across five years, Retained Earnings topped out at $129.5 million in Q1 2022 and bottomed at -$261.3 million in Q3 2024.
- Historically, Retained Earnings has averaged -$142.5 million across 5 years, with a median of -$208.3 million in 2024.
- The sharpest annual moves came in 2022 and 2023: Retained Earnings soared 228.28% in 2022, then tumbled 2949.05% in 2023.
- Over 5 years, Retained Earnings stood at $6.1 million in 2022, then sank by 2949.05% to -$173.8 million in 2023, then sank by 45.26% to -$252.5 million in 2024, then climbed by 10.0% to -$227.3 million in 2025, then gained by 4.79% to -$216.4 million in 2026.
- According to Business Quant data, Retained Earnings over the past three periods registered -$216.4 million, -$224.9 million, and -$227.3 million for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Retained Earnings (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 25.97 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 6.65 Bn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 1.83 Bn |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.08 Bn |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 5.04 Bn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.20 Bn |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 1.78 Bn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 739.40 Mn |
| 10 | Oportun Financial | 374.95 Mn | 235.36 Mn | - | -216.40 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -216.40 Mn |
| 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 |