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Prosper Marketplace earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 13, 2026
Q2 2026 Revenue up 38% year over year to $71.4M · 9¢ of every $1 of revenue kept as net profit · operating margin 9.3%
Prosper Marketplace made $71.4M in Q2 2026 (+38% Y/Y): Personal Loan $60.8M, Credit Card $10.5M. Operating margin 9.3%, net earnings $6.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 13, 2026.
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What changed this quarter
Revenue was $71.4M in Q2 2026, up 38% year over year and up 22% from the previous quarter. Personal Loan was the largest line at 85% of revenue. Personal Loan added $10.5M year over year (up 21%), 53% of the total change.
Operating profit was $6.6M, a 9.3% margin (up 121.0 points year over year). Total costs fell 41% while revenue rose 38%. The fastest-growing cost line was Sales & marketing (+46%). Net earnings were $6.4M. The effective tax rate was 3.9%.
Operating cash flow was $62.4M (up 59% year over year), 979% of net earnings. Non-cash charges added back $3.5M of depreciation and amortization and $331K of share-based compensation. Working capital and other items added $52.2M. Capital expenditures of $3.7M left free cash flow of $58.8M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 13, 2026 | $71.4M | +38% | 9.3% | $6.4M | $62.4M |
| Q1 2026 | 10-Q | May 14, 2026 | $58.4M | +37% | 110.8% | $64.7M | $56.1M |
| Q4 2025 | 10-K | Mar 26, 2026 | $59.0M | +24% | 2.1% | $1.1M | −$21.6M |
| Q3 2025 | 10-Q | Nov 13, 2025 | $59.2M | +13% | -49.8% | −$29.5M | $50.5M |
| Q2 2025 | 10-Q | Aug 14, 2025 | $51.6M | +71% | -111.7% | −$57.7M | $39.4M |
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About Prosper Marketplace
Our vision is to transform lives by providing affordable financial solutions through the simplest and most trusted platform. We currently offer access to consumer lending products which support our vision: (i) unsecured personal loans through a personal loan marketplace which connects eligible consumer borrowers with individual and institutional investors, and (ii) a Credit Card product available to eligible borrowers. We are a pioneer of peer-to-peer lending in the U.S. and first launched our personal loan lending product in 2006. Our personal loan marketplace facilit ated $2.7 billion in Borrower Loan originations during 2025 and $30.5 billion in Bor rower Loan originations since launch.
In its own words, from its 10-K, filed Mar 26, 2026.
Prosper Marketplace against its Finance Services peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +38% against the peers' median +18%. Operating margin: 9.3% against the peers' median 9.3%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| Prosper Marketplace | Q2 2026 | $71.4M | +38% | 9.3% |
| AXP American Express | Q3 2026 | $20.1B | +9% | 22.6% |
| BTGO Bitgo Holdings | Q2 FY27 | $4.3B | +80% | -0.4% |
| General Motors Financial Company | Q3 2026 | $4.3B | -0.6% | 15.3% |
| SOFI SoFi Technologies | Q3 2026 | $1.4B | +44% | 22.9% |
| COIN Coinbase Global | Q3 2026 | $1.2B | -35% | 5.1% |
| CRCL Circle Internet Group | Q3 2026 | $865M | +17% | 24.1% |
| CHYM Chime Financial | Q3 2026 | $718M | +32% | 4.8% |
| GDOT Green DOT | Q2 2026 | $596M | +18% | -0.1% |
Source: Prosper Marketplace 10-Q on SEC EDGAR · CIK 1416265 · Finance Services