Complete Filing Data
Oportun Financial Corp reported Net Income Loss of $25.25 million for FY2025.
All values from 10-K, 20-F, and 10-Q filings on SEC EDGAR, organized by financial statement. Scroll each table horizontally for the full history. Blank cells mean Oportun Financial Corp did not report that metric for that period in XBRL — often because accounting standards changed which tag a company files under (for example, most companies moved revenue to the ASC-606 tag in 2018), so a metric may continue in a different row. Rows marked * merge those successor tags into one continuous series, preferring the audited value from the newest-standard tag where periods overlap.
Income Statement
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Net Income Loss | $25.2M | -$78.7M | -$180.0M | -$77.7M | $47.4M | -$45.1M | $61.6M | $123.4M | -$10.2M |
| Net Income Loss Available To Common Stockholders Basic | $25.2M | -$78.7M | -$180.0M | -$77.7M | $47.4M | -$45.1M | $4.3M | $16.6M | -$10.2M |
| Income Tax Expense Benefit | $18.8M | -$36.5M | -$73.7M | $2.5M | $15.4M | -$13.0M | $22.8M | $46.7M | $12.3M |
| Selling General And Administrative Expense | $34.0M | $53.2M | $72.4M | $58.8M | $37.5M | $20.5M | $15.4M | $10.8M | $16.9M |
| Revenues Net Of Interest Expense | $405.8M | $295.2M | $280.7M | $640.7M | $530.5M | $335.1M | $446.8M | $457.4M | $226.2M |
| Revenues | $956.7M | $1.00B | $1.06B | $952.5M | $626.8M | $583.7M | $600.1M | $497.6M | $361.0M |
| Interest Expense Borrowings | $231.5M | $238.2M | $179.4M | $93.0M | $47.7M | $58.4M | $60.5M | $46.9M | $36.4M |
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest | $44.1M | -$115.2M | -$253.7M | -$75.3M | $62.8M | -$58.1M | |||
| Income Taxes Paid Net | $2.8M | $1.0M | -$1.9M | -$3.5M | $3.9M | $2.8M | $2.9M | $20.4M | $4.4M |
| Net Income Loss Available To Common Stockholders Diluted | $25.2M | -$78.7M | -$180.0M | -$77.7M | $47.4M | ||||
| Operating Expenses | $361.8M | $410.4M | $534.3M | $715.9M | |||||
| Other Comprehensive Income Loss Net Of Tax | -$99.0K | -$30.0K | $10.0K | -$119.0K |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 | Q3 2021 | Q2 2021 | Q1 2021 | Q3 2020 | Q2 2020 | Q1 2020 | Q3 2019 | Q2 2019 | Q1 2019 | Q3 2018 | Q2 2018 | Q1 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income Loss | $5.2M | $6.9M | $9.8M | -$30.0M | -$31.0M | -$26.4M | -$21.1M | -$14.9M | -$102.1M | -$105.8M | -$9.2M | $45.7M | $23.0M | $7.3M | $3.0M | -$6.0M | -$34.2M | -$13.3M | $10.0M | $13.8M | $14.6M | $20.8M | $38.9M | $38.4M |
| Net Income Loss Available To Common Stockholders Basic | $5.2M | $6.9M | $9.8M | -$30.0M | -$31.0M | -$26.4M | -$21.1M | -$14.9M | -$102.1M | -$105.8M | -$9.2M | $45.7M | $23.0M | $7.3M | $3.0M | -$6.0M | -$34.2M | -$13.3M | -$27.4M | $1.5M | $1.7M | $2.6M | ||
| Income Tax Expense Benefit | $9.0M | $3.2M | $3.4M | -$9.5M | -$18.1M | -$4.0M | -$16.2M | -$2.6M | -$39.4M | -$6.5M | -$3.5M | $12.0M | $5.1M | $2.6M | $956.0K | -$1.8M | -$12.7M | -$4.7M | $4.4M | $5.1M | $5.4M | $8.2M | ||
| Selling General And Administrative Expense | $10.5M | $9.8M | $7.4M | $13.0M | $22.0M | $11.8M | $11.9M | $21.1M | $19.2M | $14.4M | $16.9M | $13.4M | $2.7M | $10.2M | $10.0M | $11.1M | $2.6M | $3.8M | $3.9M | $3.6M | $3.4M | $2.9M | ||
| Revenues Net Of Interest Expense | $105.1M | $104.6M | $105.8M | $62.6M | $60.0M | $79.2M | $85.1M | $118.6M | $4.8M | $147.0M | $145.2M | $205.0M | $139.5M | $120.2M | $110.2M | $93.7M | $46.1M | $80.6M | $114.5M | $102.1M | $98.7M | $102.6M | ||
| Revenues | $238.7M | $234.3M | $235.9M | $250.0M | $250.4M | $250.5M | $268.2M | $266.6M | $259.5M | $250.1M | $225.8M | $214.7M | $159.1M | $138.3M | $135.3M | $136.8M | $142.7M | $163.4M | $153.9M | $142.6M | $138.3M | $128.5M | ||
| Interest Expense Borrowings | $56.6M | $59.5M | $57.4M | $55.7M | $54.2M | $54.5M | $47.0M | $41.4M | $39.0M | $26.7M | $17.1M | $13.7M | $10.6M | $12.2M | $13.5M | $13.4M | $15.1M | $16.4M | $15.5M | $14.6M | $14.6M | $11.9M | ||
| Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest | $14.2M | $10.1M | $13.2M | -$39.5M | -$49.1M | -$30.5M | -$37.4M | -$17.5M | -$141.5M | -$112.4M | -$12.7M | $57.7M | $28.1M | $9.8M | $4.0M | -$7.8M | ||||||||
| Income Taxes Paid Net | $317.0K | -$680.0K | $307.0K | $328.0K | $240.0K | $455.0K | $142.0K | |||||||||||||||||
| Net Income Loss Available To Common Stockholders Diluted | $5.2M | $6.9M | $9.8M | -$30.0M | -$31.0M | -$26.4M | -$21.1M | -$14.9M | -$102.1M | -$105.8M | -$9.2M | $23.0M | ||||||||||||
| Operating Expenses | $90.8M | $94.4M | $92.7M | $102.1M | $109.2M | $109.6M | $122.5M | $136.1M | $146.3M | $259.3M | $157.9M | $147.3M | ||||||||||||
| Other Comprehensive Income Loss Net Of Tax | $77.0K | $6.0K | $6.0K | $6.0K | $5.0K | -$117.0K | $8.0K | -$41.0K | -$3.0K | $2.0K | $3.0K | $2.0K |
Balance Sheet
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Stockholders Equity * | $390.1M | $353.8M | $404.4M | $547.6M | $603.9M | $466.6M | $488.8M | $346.5M | $216.7M | $223.6M |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | $198.9M | $214.6M | $206.0M | $203.8M | $193.0M | $168.6M | $136.1M | $129.2M | $94.2M | $67.7M |
| Debt Securities Realized Gain Loss | -$319.3M | -$468.4M | -$596.8M | -$218.8M | -$48.6M | -$190.3M | -$97.2M | $22.9M | $0.00 | |
| Restricted Cash And Cash Equivalents | $93.4M | $154.7M | $114.8M | $105.0M | $62.0M | $32.4M | $64.0M | $58.7M | $45.8M | |
| Cash And Cash Equivalents At Carrying Value | $105.5M | $60.0M | $91.2M | $98.8M | $131.0M | $136.2M | $72.2M | $70.5M | $48.3M | |
| Repayments Of Secured Debt | $834.7M | $771.4M | $707.6M | $232.7M | $875.0M | $360.0M | $0.00 | $424.8M | $237.5M | |
| Operating Lease Payments | $11.2M | $12.5M | $14.1M | $15.7M | $17.6M | $16.2M | $12.8M | $0.00 | $0.00 | |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect | -$15.7M | $8.6M | $2.2M | $10.9M | $24.4M | $32.4M | $7.0M | $35.0M | $26.4M | |
| Amortization Of Deferred Loan Origination Fees Net | $37.6M | $32.8M | $23.4M | $26.8M | $15.8M | $900.0K | $3.8M | $17.5M | $0.00 | |
| Treasury Stock Common Value | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.1M | $8.4M | ||
| Treasury Stock Common Shares | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 259.5K | 259.5K | ||
| Secured Debt Fair Value | $263.8M | $1.08B | $1.78B | $2.39B | $1.65B | $1.17B | $1.13B | $867.3M | ||
| Retained Earnings Accumulated Deficit | -$227.3M | -$252.5M | -$173.8M | $6.1M | $83.8M | $36.4M | $76.7M | $52.7M | ||
| Other Liabilities | $56.8M | $50.9M | $68.9M | $100.0M | $135.4M | $79.0M | $77.2M | $41.3M | ||
| Other Assets | $103.7M | $137.6M | $107.7M | $64.2M | $72.3M | $54.2M | $76.8M | $73.3M | ||
| Operating Lease Right Of Use Asset | $9.4M | $9.8M | $21.1M | $30.4M | $38.4M | $46.8M | $50.5M | $0.00 | ||
| Liabilities And Stockholders Equity | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B | $2.01B | $2.20B | $1.74B | ||
| Liabilities | $2.87B | $2.87B | $3.01B | $3.07B | $2.34B | $1.54B | $1.71B | $1.39B | ||
| Common Stock Value | $8.0K | $7.0K | $7.0K | $7.0K | $6.0K | $6.0K | $6.0K | $3.0K | ||
| Assets | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B | $2.01B | $2.20B | $1.74B | ||
| Additional Paid In Capital Common Stock | $623.7M | $612.6M | $584.6M | $547.8M | $526.3M | $436.5M | $418.3M | $44.4M | ||
| Loansand Leases Receivable Grossat Fair Value | $2.87B | $2.78B | $2.96B | $3.18B | $2.39B | $1.70B | $1.88B | $1.23B | ||
| Right Of Use Asset Obtained In Exchange For Operating Lease Liability | $1.8M | $4.2M | $12.4M | $8.8M | $59.6M | $0.00 | $0.00 | |||
| Operating Lease Liability Net | $11.5M | $18.2M | $28.4M | $47.7M | $49.7M | |||||
| Interest Receivable | $20.9M | $15.4M | $17.2M | $13.2M | ||||||
| Capitalized Software And Other Intangibles Net | $71.7M | $86.6M | $114.7M | $139.8M | $131.2M | $27.5M |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q3 2021 | Q2 2021 | Q1 2021 | Q4 2020 | Q3 2020 | Q2 2020 | Q1 2020 | Q3 2019 | Q2 2019 | Q1 2019 | Q3 2018 | Q2 2018 | Q1 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stockholders Equity * | $383.9M | $376.0M | $366.1M | $327.6M | $354.1M | $382.0M | $441.4M | $458.4M | $456.1M | $549.1M | $648.2M | $649.9M | $511.6M | $484.6M | $472.2M | $466.6M | $453.0M | $454.3M | $483.5M | $461.1M | $378.9M | $363.2M | $320.8M | $297.7M | $256.7M | |
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents | $224.0M | $228.2M | $231.0M | $228.5M | $236.6M | $196.6M | $199.6M | $202.3M | $201.9M | $272.2M | $133.9M | $170.6M | $223.8M | $358.0M | $183.2M | $163.5M | $198.0M | $206.1M | $220.4M | $104.6M | $118.7M | $94.3M | ||||
| Debt Securities Realized Gain Loss | -$77.0M | -$70.3M | -$72.7M | -$131.6M | -$136.1M | -$116.9M | -$136.1M | -$106.5M | -$215.7M | -$76.4M | -$63.5M | $4.0M | -$9.0M | -$5.9M | -$11.6M | -$29.6M | -$81.5M | -$66.5M | -$24.3M | -$28.8M | -$25.4M | -$6.9M | ||||
| Restricted Cash And Cash Equivalents | $119.3M | $131.4M | $152.4M | $156.7M | $163.8M | $127.4M | $117.8M | $129.0M | $127.8M | $96.4M | $67.1M | $60.7M | $55.3M | $219.5M | $42.8M | $53.8M | $58.7M | $61.3M | $65.9M | $58.9M | $60.6M | $52.1M | ||||
| Cash And Cash Equivalents At Carrying Value | $104.6M | $96.8M | $78.5M | $71.8M | $72.9M | $69.2M | $81.9M | $73.4M | $74.1M | $175.9M | $66.7M | $109.9M | $168.4M | $138.4M | $140.4M | $109.7M | $139.2M | $144.8M | $154.5M | $45.7M | $58.1M | $42.2M | ||||
| Repayments Of Secured Debt | $224.7M | $105.3M | $136.4M | $10.4M | $200.0M | $160.0M | $0.00 | |||||||||||||||||||
| Operating Lease Payments | $2.8M | $3.3M | $3.7M | $4.2M | $4.3M | $4.1M | $3.1M | |||||||||||||||||||
| Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect | $16.3M | -$9.5M | -$1.9M | -$22.4M | $14.6M | $70.0M | -$10.4M | |||||||||||||||||||
| Amortization Of Deferred Loan Origination Fees Net | $11.8M | $1.6M | $4.7M | $4.7M | $1.4M | -$1.5M | $106.0K | |||||||||||||||||||
| Treasury Stock Common Value | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.3M | $6.1M | $8.5M | |||||||
| Treasury Stock Common Shares | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 272.0K | 259.5K | 263.5K | |||||||
| Secured Debt Fair Value | $352.8M | $617.9M | $863.9M | $1.39B | $1.58B | $1.70B | $1.96B | $2.12B | $2.30B | $2.24B | $1.94B | $1.59B | $1.16B | $1.61B | $1.34B | $1.13B | $1.10B | $999.1M | $1.13B | |||||||
| Retained Earnings Accumulated Deficit | -$230.7M | -$235.9M | -$242.8M | -$261.3M | -$231.3M | -$200.3M | -$132.0M | -$110.9M | -$96.0M | $14.5M | $120.4M | $129.5M | $69.7M | $46.7M | $39.5M | $27.9M | $34.0M | $68.2M | $53.5M | |||||||
| Other Liabilities | $58.5M | $61.6M | $53.8M | $66.9M | $67.7M | $65.2M | $63.7M | $78.2M | $74.5M | $105.4M | $103.9M | $127.0M | $104.5M | $77.8M | $58.9M | $69.4M | $44.1M | $44.3M | $48.1M | |||||||
| Other Assets | $118.1M | $129.4M | $133.6M | $140.0M | $134.0M | $114.1M | $109.9M | $94.2M | $89.1M | $74.7M | $59.2M | $74.2M | $101.5M | $87.6M | $85.0M | $82.3M | $72.2M | $80.1M | $62.0M | |||||||
| Operating Lease Right Of Use Asset | $9.6M | $9.7M | $9.3M | $9.7M | $9.9M | $18.9M | $23.2M | $26.5M | $28.7M | $32.1M | $33.5M | $36.7M | $35.0M | $36.0M | $40.3M | $48.8M | $48.3M | $51.0M | $39.2M | |||||||
| Liabilities And Stockholders Equity | $3.19B | $3.20B | $3.23B | $3.25B | $3.25B | $3.28B | $3.43B | $3.47B | $3.50B | $3.54B | $3.35B | $2.99B | $2.35B | $2.22B | $1.99B | $1.92B | $1.97B | $2.12B | $2.09B | |||||||
| Liabilities | $2.80B | $2.83B | $2.86B | $2.92B | $2.90B | $2.90B | $2.99B | $3.01B | $3.05B | $2.99B | $2.70B | $2.34B | $1.84B | $1.74B | $1.52B | $1.46B | $1.52B | $1.63B | $1.63B | |||||||
| Common Stock Value | $8.0K | $8.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $6.0K | $6.0K | $6.0K | $6.0K | $6.0K | $6.0K | $6.0K | |||||||
| Assets | $3.19B | $3.20B | $3.23B | $3.25B | $3.25B | $3.28B | $3.43B | $3.47B | $3.50B | $3.54B | $3.35B | $2.99B | $2.35B | $2.22B | $1.99B | $1.92B | $1.97B | $2.12B | $2.09B | |||||||
| Additional Paid In Capital Common Stock | $620.8M | $618.2M | $615.2M | $595.1M | $591.7M | $588.6M | $579.7M | $575.6M | $558.4M | $540.9M | $534.1M | $526.7M | $448.2M | $444.2M | $439.1M | $431.7M | $426.9M | $421.7M | $416.2M | |||||||
| Loansand Leases Receivable Grossat Fair Value | $2.77B | $2.73B | $2.71B | $2.84B | $2.94B | $2.99B | $3.01B | $2.99B | $2.85B | $2.45B | $1.97B | $1.73B | $1.67B | $1.61B | $1.64B | $1.76B | $1.68B | |||||||||
| Right Of Use Asset Obtained In Exchange For Operating Lease Liability | $537.0K | $164.0K | $1.2M | $1.1M | $1.1M | $3.4M | $44.8M | |||||||||||||||||||
| Operating Lease Liability Net | $13.3M | $15.0M | $16.1M | $19.7M | $21.7M | $25.5M | $30.9M | $33.1M | $35.7M | $37.9M | $40.1M | $42.4M | $45.0M | $43.5M | ||||||||||||
| Interest Receivable | $29.0M | $30.9M | $31.8M | $31.8M | $30.6M | $27.7M | $22.8M | $16.3M | $13.0M | $13.3M | $16.5M | $20.2M | $18.3M | $14.4M | ||||||||||||
| Capitalized Software And Other Intangibles Net | $74.8M | $78.3M | $81.9M | $92.0M | $99.7M | $106.4M | $127.3M | $133.0M | $137.9M | $139.1M | $136.9M | $133.1M |
Cash Flow Statement
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Payments For Origination And Purchases Of Loans Held For Sale | $140.3M | $119.6M | $56.6M | $52.7M | $214.6M | $188.5M | $355.6M | $292.4M | $220.5M |
| Proceeds From Sale Of Other Loans Held For Sale | $147.5M | $124.1M | $65.1M | $58.8M | $242.0M | $208.4M | $391.4M | $328.3M | $241.3M |
| Share Based Compensation | $10.7M | $13.0M | $18.6M | $27.6M | $18.9M | $19.5M | $19.2M | $6.8M | $5.7M |
| Proceeds From Long Term Lines Of Credit | $1.04B | $742.1M | $245.7M | $1.97B | $1.29B | $469.0M | $144.0M | $481.0M | $441.2M |
| Payments To Acquire Loans Held For Investment | $1.76B | $1.53B | $1.58B | $2.76B | $1.84B | $1.01B | $1.49B | $1.32B | $1.06B |
| Payments For Software | $24.3M | $19.2M | $31.3M | $48.9M | $26.5M | $21.8M | $17.3M | $3.4M | $3.5M |
| Net Cash Provided By Used In Operating Activities | $413.4M | $393.5M | $392.8M | $247.9M | $163.4M | $152.9M | $218.4M | $138.4M | $139.1M |
| Net Cash Provided By Used In Investing Activities | -$369.7M | -$193.7M | -$286.2M | -$1.17B | -$884.8M | $16.4M | -$497.7M | -$471.4M | -$343.4M |
| Net Cash Provided By Used In Financing Activities | -$59.4M | -$191.2M | -$104.4M | $934.5M | $745.7M | -$136.8M | $286.3M | $368.1M | $230.7M |
| Depreciation Amortization And Accretion Net | $41.4M | $51.2M | $54.9M | $47.5M | $27.1M | $20.2M | $14.1M | $11.8M | $10.6M |
| Proceeds From Payments For Other Financing Activities | -$400.0K | -$272.0K | -$2.7M | -$8.7M | -$3.2M | -$495.0K | $1.1M | ||
| Payments Of Financing Costs | $3.3M | $12.8M | $2.7M | $8.2M | $2.2M | $495.0K | $270.0K | $862.0K | $5.9M |
| Proceeds From Collection Of Finance Receivables | $1.42B | $1.30B | $1.32B | $1.40B | $1.11B | $1.05B | |||
| Proceeds From Issuance Of Secured Debt | $0.00 | $0.00 | $1.26B | $1.48B | $40.2M | $250.0M | $863.2M | $360.0M | |
| Proceeds From Sale Of Loans Held For Investment | $0.00 | $54.5M | $4.1M | $249.3M | $0.00 | ||||
| Increase Decrease In Other Operating Capital Net | $2.3M | $30.3M | $21.1M | $80.7M | $10.4M | ||||
| Payments For Proceeds From Other Investing Activities | $971.0K | $886.0K | $1.4M | $6.0M |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q1 2025 | Q1 2024 | Q1 2023 | Q1 2022 | Q3 2021 | Q2 2021 | Q1 2021 | Q3 2020 | Q2 2020 | Q1 2020 | Q3 2019 | Q2 2019 | Q1 2019 | Q3 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Payments For Origination And Purchases Of Loans Held For Sale | $32.4M | $22.2M | $10.0M | $48.7M | $61.3M | $41.6M | $33.5M | $39.8M | $20.2M | $74.5M | $95.2M | $82.5M | $70.7M | $75.5M |
| Proceeds From Sale Of Other Loans Held For Sale | $35.4M | $23.4M | $11.1M | $54.9M | $38.4M | $82.6M | $76.0M | |||||||
| Share Based Compensation | $2.8M | $4.0M | $4.9M | $6.8M | $5.1M | $4.2M | $2.0M | |||||||
| Proceeds From Long Term Lines Of Credit | $325.4M | $0.00 | $87.9M | $699.0M | $0.00 | $235.0M | $0.00 | |||||||
| Payments To Acquire Loans Held For Investment | $381.9M | $298.1M | $376.3M | $707.1M | $263.1M | $314.5M | $300.2M | |||||||
| Payments For Software | $5.6M | $3.1M | $11.7M | $10.6M | $5.7M | $5.5M | $2.5M | |||||||
| Net Cash Provided By Used In Operating Activities | $101.0M | $85.9M | $76.8M | $38.6M | $18.2M | $52.1M | $47.2M | |||||||
| Net Cash Provided By Used In Investing Activities | -$55.5M | $36.5M | -$39.6M | -$122.5M | $9.0M | -$39.3M | -$57.7M | |||||||
| Net Cash Provided By Used In Financing Activities | -$29.1M | -$131.8M | -$39.1M | $61.5M | -$12.6M | $57.2M | $101.0K | |||||||
| Depreciation Amortization And Accretion Net | $11.1M | $13.2M | $13.4M | $10.7M | $7.0M | $4.7M | $2.9M | |||||||
| Proceeds From Payments For Other Financing Activities | -$511.0K | -$232.0K | -$1.4M | -$7.1M | -$2.5M | -$793.0K | ||||||||
| Payments Of Financing Costs | $0.00 | $2.4M | $775.0K | $0.00 | ||||||||||
| Proceeds From Collection Of Finance Receivables | $332.2M | $336.4M | $348.1M | $351.3M | $278.7M | |||||||||
| Proceeds From Issuance Of Secured Debt | $0.00 | $371.7M | $0.00 | |||||||||||
| Proceeds From Sale Of Loans Held For Investment | $0.00 | $1.4M | $1.0M | $245.0M | $0.00 | |||||||||
| Increase Decrease In Other Operating Capital Net | -$4.9M | $17.0M | $15.5M | $36.6M | $22.9M | |||||||||
| Payments For Proceeds From Other Investing Activities | $243.0K | $124.0K | $770.0K | $1.1M | $873.0K |
Per-Share & Share Counts
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Weighted Average Number Of Shares Outstanding Basic | 46.4M | 40.4M | 36.9M | 32.8M | 28.2M | 27.3M | 9.3M | 2.6M | 2.4M |
| Weighted Average Number Of Diluted Shares Outstanding | 47.9M | 40.4M | 36.9M | 32.8M | 30.3M | 27.3M | 10.8M | 3.7M | 2.4M |
| Earnings Per Share Diluted | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 | $-1.65 | $0.40 | $4.47 | $-4.22 |
| Earnings Per Share Basic | $0.54 | $-1.95 | $-4.88 | $-2.37 | $1.68 | $-1.65 | $0.46 | $6.42 | $-4.22 |
| Common Stock Shares Outstanding | 44.4M | 36.1M | 34.5M | 33.4M | 32.0M | 27.7M | 27.0M | 2.9M | |
| Common Stock Shares Issued | 44.7M | 36.4M | 34.7M | 33.6M | 32.3M | 28.0M | 27.3M | 3.2M | |
| Common Stock Shares Authorized | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 28.2M | |
| Common Stock Par Or Stated Value Per Share | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 | Q3 2021 | Q2 2021 | Q1 2021 | Q3 2020 | Q2 2020 | Q1 2020 | Q3 2019 | Q2 2019 | Q1 2019 | Q3 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Weighted Average Number Of Shares Outstanding Basic | 46.7M | 46.6M | 45.5M | 40.0M | 39.8M | 38.9M | 38.3M | 36.7M | 34.0M | 33.0M | 32.8M | 32.2M | 28.2M | 28.0M | 27.8M | 27.5M | 27.2M | 27.0M | 4.3M | 2.9M | 2.9M | 2.6M |
| Weighted Average Number Of Diluted Shares Outstanding | 48.3M | 47.9M | 47.0M | 40.0M | 39.8M | 38.9M | 38.3M | 36.7M | 34.0M | 33.0M | 32.8M | 33.3M | 30.5M | 30.1M | 29.6M | 27.5M | 27.2M | 27.0M | 4.3M | 3.0M | 3.3M | 4.0M |
| Earnings Per Share Diluted | $0.11 | $0.14 | $0.21 | $-0.75 | $-0.78 | $-0.68 | $-0.55 | $-0.41 | $-3.00 | $-3.21 | $-0.28 | $1.37 | $0.75 | $0.24 | $0.10 | $-0.22 | $-1.26 | $-0.49 | $-6.39 | $0.52 | $0.51 | $0.64 |
| Earnings Per Share Basic | $0.11 | $0.15 | $0.21 | $-0.75 | $-0.78 | $-0.68 | $-0.55 | $-0.41 | $-3.00 | $-3.21 | $-0.28 | $1.42 | $0.82 | $0.26 | $0.11 | $-0.22 | $-1.26 | $-0.49 | $-6.39 | $0.52 | $0.57 | $0.97 |
| Common Stock Shares Outstanding | 44.1M | 44.0M | 37.5M | 36.0M | 35.7M | 35.6M | 34.2M | 34.0M | 33.9M | 33.2M | 32.9M | 32.8M | 28.4M | 28.0M | 28.0M | 27.6M | 27.3M | 27.1M | 27.0M | |||
| Common Stock Shares Issued | 44.4M | 44.3M | 37.8M | 36.2M | 36.0M | 35.9M | 34.5M | 34.3M | 34.2M | 33.5M | 33.2M | 33.1M | 28.7M | 28.3M | 28.2M | 27.9M | 27.6M | 27.4M | 27.3M | |||
| Common Stock Shares Authorized | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | 1.00B | |||
| Common Stock Par Or Stated Value Per Share | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
Other Metrics
Annual (10-K / 20-F)
| Metric \ Fiscal Year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value | $11.4M | $14.0M | $20.0M | $30.1M | $19.9M | $19.5M | $19.2M | $6.8M | $5.7M |
| Noninterest Income Other Operating Income | $63.5M | $76.3M | $93.4M | $76.4M | $50.9M | $38.3M | $56.0M | $48.8M | $33.0M |
| Interest And Fee Income Loans Consumer | $893.2M | $925.5M | $963.5M | $876.1M | $575.8M | $545.5M | $544.1M | $448.8M | $327.9M |
| Professional Fees | $34.8M | $36.8M | $45.4M | $67.6M | $57.9M | $47.1M | $57.2M | $52.7M | $31.2M |
| Labor And Related Expense | $79.9M | $87.2M | $121.8M | $154.9M | $115.8M | $106.4M | $90.6M | $63.3M | $47.2M |
| Communications Information Technology And Occupancy | $142.4M | $166.2M | $219.4M | $216.1M | $139.6M | $129.8M | $102.0M | $82.8M | $70.9M |
| Business Development | $70.6M | $67.0M | $75.3M | $110.0M | $116.9M | $89.4M | $97.2M | $77.6M | $58.1M |
| Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures | -$516.0K | -$272.0K | -$2.7M | -$4.0M | -$6.5M | -$1.8M | -$92.0K | ||
| Stock Issued During Period Value Stock Options Exercised | $54.0K | $0.00 | -$46.0K | -$4.6M | $3.3M | $216.0K | $791.0K | $1.0M | $705.0K |
| Gain Loss On Sales Of Consumer Loans | $5.6M | $6.0M | $8.5M | $5.7M | $26.8M | $20.3M | $36.5M | $33.5M | $22.3M |
| Repayments Of Long Term Lines Of Credit | $1.37B | $493.8M | $274.8M | $2.05B | $1.14B | $284.0M | $169.0M | $549.8M | $323.5M |
| Other Noncash Income Expense | -$55.1M | -$4.2M | $53.2M | -$30.3M | -$30.6M | -$18.0M | -$9.7M | -$6.1M | -$9.6M |
| Warehouse Agreement Borrowings | $199.4M | $535.5M | $290.0M | $317.6M | $393.9M | $246.4M | $60.9M | $85.3M | |
| Noninterest Expense | $715.9M | $467.7M | $393.2M | $362.4M | $287.3M | $224.2M | |||
| Interest Paid Net | $194.7M | $214.0M | $184.0M | $85.8M | $46.8M | $57.1M | $58.0M | ||
| Other Noncash Financing Activities | $59.6M | $58.7M | $17.8M | $1.6M | $33.0K | $0.00 |
Quarterly (10-Q, single quarters)
| Metric \ Quarter | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 | Q1 2023 | Q3 2022 | Q2 2022 | Q1 2022 | Q3 2021 | Q2 2021 | Q1 2021 | Q3 2020 | Q2 2020 | Q1 2020 | Q3 2019 | Q2 2019 | Q1 2019 | Q3 2018 | Q2 2018 | Q1 2018 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value | $2.7M | $2.9M | $3.0M | $3.4M | $3.2M | $4.2M | $4.7M | $4.8M | $5.3M | $7.7M | $7.6M | $7.5M | $4.9M | $5.4M | $5.1M | $5.2M | $5.0M | $4.2M | $11.2M | $2.0M | $2.0M | $1.9M | $1.7M | $1.5M |
| Noninterest Income Other Operating Income | $16.3M | $16.1M | $15.7M | $19.9M | $19.0M | $19.9M | $25.0M | $26.1M | $21.9M | $18.0M | $18.1M | $22.5M | $13.6M | $9.7M | $8.1M | $8.0M | $6.6M | $12.7M | $14.6M | $12.8M | $11.6M | $12.6M | ||
| Interest And Fee Income Loans Consumer | $222.3M | $218.3M | $220.2M | $230.0M | $231.4M | $230.6M | $243.3M | $240.5M | $237.6M | $232.1M | $207.7M | $192.2M | $145.4M | $128.6M | $127.2M | $128.7M | $136.1M | $150.7M | $139.3M | $129.8M | $126.7M | $115.9M | ||
| Professional Fees | $9.4M | $9.7M | $8.0M | $10.1M | $8.4M | $10.2M | $10.5M | $9.9M | $13.8M | $18.6M | $17.2M | $14.3M | $13.3M | $14.8M | $12.6M | $11.5M | $11.1M | $13.6M | $16.0M | $13.2M | $13.5M | $12.9M | ||
| Labor And Related Expense | $19.0M | $20.2M | $21.0M | $21.0M | $21.9M | $24.5M | $28.6M | $30.8M | $37.3M | $40.0M | $38.6M | $35.9M | $29.0M | $28.5M | $26.8M | $26.7M | $27.7M | $25.6M | $28.6M | $18.9M | $18.9M | $16.0M | ||
| Communications Information Technology And Occupancy | $35.4M | $36.6M | $36.4M | $40.6M | $40.6M | $47.1M | $52.7M | $55.1M | $56.9M | $56.1M | $52.8M | $49.2M | $34.2M | $33.1M | $32.9M | $31.6M | $31.5M | $30.8M | $26.8M | $24.4M | $21.6M | $20.9M | ||
| Business Development | $16.5M | $18.1M | $19.9M | $17.4M | $16.3M | $16.0M | $18.9M | $19.2M | $19.2M | $21.8M | $32.4M | $34.5M | $32.1M | $23.7M | $23.9M | $20.6M | $20.1M | $24.8M | $24.7M | $23.1M | $21.3M | $20.9M | ||
| Stock Issued During Period Value Restricted Stock Award Net Of Forfeitures | -$4.0K | $0.00 | -$511.0K | -$40.0K | $0.00 | -$232.0K | -$652.0K | -$267.0K | -$1.4M | -$953.0K | -$273.0K | -$2.3M | -$3.0M | -$442.0K | -$2.8M | -$489.0K | -$17.0K | -$813.0K | ||||||
| Stock Issued During Period Value Stock Options Exercised | $7.0K | $46.0K | $49.0K | -$95.0K | $29.0K | $78.0K | -$4.7M | $2.1M | $159.0K | $307.0K | $24.0K | $79.0K | $20.0K | $645.0K | $4.0K | $142.0K | $374.0K | $341.0K | $161.0K | |||||
| Gain Loss On Sales Of Consumer Loans | $1.5M | $1.5M | $1.4M | $5.7M | $7.3M | $5.3M | $4.4M | $3.9M | $2.0M | $7.5M | $9.5M | $8.5M | $7.3M | $8.7M | ||||||||||
| Repayments Of Long Term Lines Of Credit | $415.7M | $218.2M | $2.6M | $620.0M | $181.8M | $17.0M | $0.00 | |||||||||||||||||
| Other Noncash Income Expense | -$10.0M | $2.7M | $34.6M | -$20.2M | -$15.3M | -$3.5M | -$582.0K | |||||||||||||||||
| Warehouse Agreement Borrowings | $161.9M | $331.1M | $445.5M | $125.4M | $156.4M | $72.1M | $423.2M | $486.5M | $403.2M | $365.1M | $505.7M | $473.3M | $525.5M | $0.00 | $64.8M | $191.2M | $96.2M | $279.1M | $0.00 | |||||
| Noninterest Expense | $259.3M | $157.9M | $147.3M | $111.4M | $110.4M | $106.3M | $101.6M | $93.0M | $98.6M | $100.1M | $83.2M | $78.7M | $73.5M | |||||||||||
| Interest Paid Net | $50.4M | $56.7M | $37.5M | $13.8M | $13.6M | $16.4M | ||||||||||||||||||
| Other Noncash Financing Activities | $17.1M | -$1.6M | $6.7M | $0.00 |
Most recent annual filing with the SEC: February 27, 2026
Data sourced from SEC EDGAR public filings as of August 6, 2026.