NASDAQ$OPRT

Oportun Financial Corporation · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

OPRT Q3 2024 — $1.6M revenue

These statements are unaudited and reflect all normal, recurring adjustments that are, in management's opinion, necessary for the fair presentation of results. Oportun Financial Corporation reported Q3 2024 results. Headline numbers extracted from the Form 10-Q press release; narrative is light because this row was processed without an LLM call.

  • Revenue: $1.6M.
  • Filed on Form 10-Q (accession 0001538716-24-000138).

Headline financials

Total Revenue

$250M

Previous: $268M-6.8%
EPS

-$0.75

Previous: -$0.46-63.0%
Capital Expenditures

-$4.75M

Previous: -$6.45M+26.4%
Free Cash Flow

-$30M

Previous: -$21.1M-41.7%
Net Income

-$30M

Previous: -$21.1M-41.7%
Operating Income

$168M

Previous: $171M-1.7%
Gross Profit

$250M

Previous: $268M-6.8%
Cash & Equivalents

$71.8M

Previous: $81.9M-12.3%
Total Assets

$3.25B

Previous: $3.43B-5.2%
Stock-Based Comp

$3.22M

Previous: $4.36M-26.2%

Revenue & EPS history

Oportun · Revenue · Quarterly

$250M

Q3 2024-6.8%vs Q3 2023
Beat estimate in 10 of 15 quarters(67%)
ActualEstimate

Revenue by segment

Oportun · $260M total across 2 segments · Q1 2023

  • Interest Income
    $238M
  • Non-interest Income
    $21.9M

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2024

Historical avgQ3 2024

+3.1%

Avg return

Earnings day

+4.2%

Avg return

5 days after

+1.2%

Avg return

30 days after

71%

22 / 31 earnings

Positive

+37.6%

Q1 2023

Best reaction

-51.5%

Q3 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+0.3%-7.5%-17.1%
Q4 2025-5.1%-2.7%-17.9%
Q3 2025+1.6%-7.6%+3.9%
Q1 2025+9.1%+16.3%+14.3%
Q4 2024+8.3%+47.2%-6.6%
Q3 2024-6.3%-3.1%+20.9%
Q2 2024-2.4%+7.3%-1.4%
Q1 2024+21.4%+16.2%-19.2%
Q4 2023-2.1%-17.7%-37.5%
Q3 2023-51.5%-59.0%-52.6%
Q2 2023+27.4%+24.4%+39.5%
Q1 2023+37.6%+26.9%+51.0%
Q4 2022-36.6%-15.7%-7.4%
Q3 2022+22.0%+53.1%+28.1%
Q2 2022-24.1%-24.1%-50.6%
Q1 2022+1.8%-1.6%+4.5%
Q4 2021-0.5%-10.2%-20.0%
Q3 2021+8.9%+15.1%-11.4%
Q2 2021+15.1%+14.9%+18.7%
Q1 2021+10.8%+2.6%+4.5%
Q4 2020-1.1%-3.8%+27.3%
Q3 2020+5.8%+10.5%+20.7%
Q2 2020+5.3%+0.4%-11.5%
Q1 2020+9.4%+9.9%+104.5%
Q4 2017+9.5%+9.3%-41.7%
Q4 2019+4.7%+5.4%-42.8%
Q2 2019+4.4%+3.8%+8.0%
Q4 2018+4.4%+3.8%+8.0%
Q3 2018+4.4%+3.8%+8.0%
Q1 2019+4.4%+3.8%+8.0%
Q3 2019+8.5%+7.7%+6.3%
Q2 2018
Q1 2018
Q3 2017
Q2 2017
Q1 2017

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