Filing Flows › Oportun Financial (OPRT) › Q3 2026 › vs Q3 2025
Oportun Financial (OPRT) Q3 2026 vs Q3 2025 (year over year)
Oportun Financial's revenue rose $7.6M (+3%) from $239M in Q3 2025 to $246M in Q3 2026. Operating margin 14.0% against 6.0% (+8.1 pts).
Oportun Financial, Q3 2026: revenue $246M (+3% year over year), operating margin 14.0%, net earnings $22.9M, operating cash flow $119M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 14.0% | 6.0% | +8.1 pts |
| Net margin | 9.3% | 2.2% | +7.1 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $246M | $239M | $7.6M | +3% |
| Operating profit | $34.6M | $14.2M | $20.3M | +143% |
| Costs & expenses | $212M | $224M | −$12.8M | -6% |
| Pre-tax earnings | $34.6M | $14.2M | $20.3M | +143% |
| SG&A | $2.2M | $10.5M | −$8.3M | -79% |
| Other operating costs | $210M | $214M | −$4.4M | -2% |
| Net earnings | $22.9M | $5.2M | $17.7M | +341% |
| Income tax | $11.7M | $9.0M | $2.6M | +29% |
| Depreciation & amortization | $8.8M | $10.2M | −$1.3M | -13% |
| Share-based compensation | $3.3M | $2.5M | $779K | +31% |
| Working capital & other | $83.9M | $81.2M | $2.7M | +3% |
| Operating cash flow | $119M | $99.0M | $19.9M | +20% |
Questions
How much did Oportun Financial's revenue grow year over year in Q3 2026?
Oportun Financial's revenue rose $7.6M (+3%) from $239M in Q3 2025 to $246M in Q3 2026. Operating margin 14.0% against 6.0% (+8.1 pts).