$OPRT
Oportun Financial Corp

2022 Q3 Form 10-Q Financial Statement

#000153871622000166 Filed on August 09, 2022

View on sec.gov

Income Statement

Concept 2022 Q3 2022 Q2 2022 Q1
Revenue $250.1M $225.8M $214.7M
YoY Change 57.2% 63.32% 58.68%
Cost Of Revenue $18.62M $17.16M
YoY Change
Gross Profit $204.8M $191.5M
YoY Change
Gross Profit Margin 81.89% 84.83%
Selling, General & Admin $14.40M $16.94M $13.36M
YoY Change 436.15% 66.38% 33.65%
% of Gross Profit 7.03% 8.84%
Research & Development $9.000M $8.200M
YoY Change
% of Gross Profit 4.39% 4.28%
Depreciation & Amortization $1.300M $1.300M $1.300M
YoY Change 0.0% -66.67% -62.86%
% of Gross Profit 0.63% 0.68%
Operating Expenses $14.40M $16.94M $13.36M
YoY Change 436.15% 66.38% 33.65%
Operating Profit $190.4M $174.6M
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net -$230.0M -$19.27M
YoY Change
Pretax Income -$112.4M -$12.67M $57.67M
YoY Change -499.56% -229.27% 1350.82%
Income Tax -$6.500M -$3.500M $12.00M
% Of Pretax Income 20.81%
Net Earnings -$105.8M -$9.157M $45.66M
YoY Change -560.54% -226.3% 1412.52%
Net Earnings / Revenue -42.32% -4.06% 21.27%
Basic Earnings Per Share -$3.21 -$0.28 $1.42
Diluted Earnings Per Share -$3.21 -$0.28 $1.37
COMMON SHARES
Basic Shares Outstanding 32.93M shares 32.83M shares 32.22M shares
Diluted Shares Outstanding 33.01M shares 32.83M shares 33.32M shares

Balance Sheet

Concept 2022 Q3 2022 Q2 2022 Q1
SHORT-TERM ASSETS
Cash & Short-Term Investments $175.9M $66.71M $109.9M
YoY Change 4.42% -51.81% -21.75%
Cash & Equivalents $175.9M $66.71M $109.9M
Short-Term Investments
Other Short-Term Assets $25.06M $20.36M $26.24M
YoY Change 39.5% 23.71% 45.8%
Inventory
Prepaid Expenses
Receivables $2.991B $2.855B
Other Receivables $48.59M $35.73M
Total Short-Term Assets $231.5M $114.8M $158.9M
YoY Change 14.24% -31.63% -7.44%
LONG-TERM ASSETS
Property, Plant & Equipment $9.442M $9.237M $9.585M
YoY Change -2.58% -9.69% -27.07%
Goodwill $0.00 $104.2M $104.2M
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $98.22M $71.14M $64.26M
YoY Change 71.21% -67.88% 44.08%
Total Long-Term Assets $3.308B $3.235B $2.834B
YoY Change 54.23% 57.54% 55.66%
TOTAL ASSETS
Total Short-Term Assets $231.5M $114.8M $158.9M
Total Long-Term Assets $3.308B $3.235B $2.834B
Total Assets $3.540B $3.350B $2.993B
YoY Change 50.77% 50.8% 50.22%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $3.470M $5.690M $4.253M
YoY Change -36.34% 164.04% 77.21%
Accrued Expenses $89.62M $93.09M $95.44M
YoY Change -10.13% 7.3% 15.41%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due $3.720M $7.380M
YoY Change
Total Short-Term Liabilities $106.0M $111.6M $128.6M
YoY Change -13.95% 7.02% 28.84%
LONG-TERM LIABILITIES
Long-Term Debt $2.845B $2.556B $2.171B
YoY Change 68.52% 58.37% 54.43%
Other Long-Term Liabilities -$102.7M $2.342M
YoY Change
Total Long-Term Liabilities $2.845B $2.558B $2.171B
YoY Change 68.52% 58.51% 54.43%
TOTAL LIABILITIES
Total Short-Term Liabilities $106.0M $111.6M $128.6M
Total Long-Term Liabilities $2.845B $2.558B $2.171B
Total Liabilities $2.991B $2.702B $2.343B
YoY Change 62.86% 55.53% 54.11%
SHAREHOLDERS EQUITY
Retained Earnings $14.53M $120.4M $129.5M
YoY Change -79.15% 157.71% 228.28%
Common Stock $540.9M $534.2M $526.7M
YoY Change 20.68% 20.25% 19.96%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $549.1M $648.2M $649.9M
YoY Change
Total Liabilities & Shareholders Equity $3.540B $3.350B $2.993B
YoY Change 50.77% 50.8% 50.22%

Cashflow Statement

Concept 2022 Q3 2022 Q2 2022 Q1
OPERATING ACTIVITIES
Net Income -$105.8M -$9.157M $45.66M
YoY Change -560.54% -226.3% 1412.52%
Depreciation, Depletion And Amortization $1.300M $1.300M $1.300M
YoY Change 0.0% -66.67% -62.86%
Cash From Operating Activities $67.70M $53.08M $38.57M
YoY Change 35.7% 48.93% 112.41%
INVESTING ACTIVITIES
Capital Expenditures -$14.53M -$14.00M -$11.73M
YoY Change 104.89% 87.19% -1443.76%
Acquisitions
YoY Change
Other Investing Activities -$263.3M -$501.5M $1.090M
YoY Change 4.29% 754.78% 24.86%
Cash From Investing Activities -$277.9M -$515.5M -$122.5M
YoY Change 7.04% 679.32% -1463.04%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 348.5M 425.7M $61.53M
YoY Change 361.68% 107.39% -590.19%
NET CHANGE
Cash From Operating Activities 67.70M 53.08M $38.57M
Cash From Investing Activities -277.9M -515.5M -$122.5M
Cash From Financing Activities 348.5M 425.7M $61.53M
Net Change In Cash 138.4M -36.70M -$22.40M
YoY Change -203.08% -121.0% -253.53%
FREE CASH FLOW
Cash From Operating Activities $67.70M $53.08M $38.57M
Capital Expenditures -$14.53M -$14.00M -$11.73M
Free Cash Flow $82.23M $67.07M $50.30M
YoY Change 44.31% 55.57% 191.01%

Facts In Submission

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dei Document Type
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dei Document Quarterly Report
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dei Document Period End Date
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2022-06-30
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dei Entity Registrant Name
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OPORTUN FINANCIAL CORPORATION
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us-gaap Debt Securities Realized Gain Loss
DebtSecuritiesRealizedGainLoss
-17470000 usd
us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
11351000 usd
us-gaap Amortization Of Deferred Loan Origination Fees Net
AmortizationOfDeferredLoanOriginationFeesNet
6677000 usd
us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
5714000 usd
us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
9755000 usd
us-gaap Share Based Compensation
ShareBasedCompensation
13702000 usd
us-gaap Share Based Compensation
ShareBasedCompensation
10454000 usd
us-gaap Other Noncash Income Expense
OtherNoncashIncomeExpense
-20732000 usd
us-gaap Other Noncash Income Expense
OtherNoncashIncomeExpense
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us-gaap Payments For Origination And Purchases Of Loans Held For Sale
PaymentsForOriginationAndPurchasesOfLoansHeldForSale
48972000 usd
us-gaap Payments For Origination And Purchases Of Loans Held For Sale
PaymentsForOriginationAndPurchasesOfLoansHeldForSale
75023000 usd
us-gaap Proceeds From Sale Of Other Loans Held For Sale
ProceedsFromSaleOfOtherLoansHeldForSale
55064000 usd
us-gaap Proceeds From Sale Of Other Loans Held For Sale
ProceedsFromSaleOfOtherLoansHeldForSale
84474000 usd
us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
50178000 usd
us-gaap Increase Decrease In Other Operating Capital Net
IncreaseDecreaseInOtherOperatingCapitalNet
21317000 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
91642000 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
53838000 usd
us-gaap Payments To Acquire Loans Held For Investment
PaymentsToAcquireLoansHeldForInvestment
1560495000 usd
us-gaap Payments To Acquire Loans Held For Investment
PaymentsToAcquireLoansHeldForInvestment
595849000 usd
us-gaap Proceeds From Sale Of Loans Held For Investment
ProceedsFromSaleOfLoansHeldForInvestment
247230000 usd
us-gaap Proceeds From Sale Of Loans Held For Investment
ProceedsFromSaleOfLoansHeldForInvestment
0 usd
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
700968000 usd
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
552675000 usd
us-gaap Payments For Software
PaymentsForSoftware
23580000 usd
us-gaap Payments For Software
PaymentsForSoftware
12132000 usd
us-gaap Payments For Proceeds From Other Investing Activities
PaymentsForProceedsFromOtherInvestingActivities
2147000 usd
us-gaap Payments For Proceeds From Other Investing Activities
PaymentsForProceedsFromOtherInvestingActivities
1845000 usd
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-638024000 usd
CY2022Q2 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0 shares
us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
21093000 usd
us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
425005000 usd
CY2021Q2 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
0 usd
us-gaap Payments Of Financing Costs
PaymentsOfFinancingCosts
314000 usd
us-gaap Payments Of Financing Costs
PaymentsOfFinancingCosts
0 usd
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-57151000 usd
us-gaap Proceeds From Long Term Lines Of Credit
ProceedsFromLongTermLinesOfCredit
1331000000 usd
us-gaap Proceeds From Long Term Lines Of Credit
ProceedsFromLongTermLinesOfCredit
150000000 usd
us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
404984000 usd
us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
867462000 usd
us-gaap Repayments Of Long Term Lines Of Credit
RepaymentsOfLongTermLinesOfCredit
1220000000 usd
us-gaap Repayments Of Long Term Lines Of Credit
RepaymentsOfLongTermLinesOfCredit
396994000 usd
us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-7299000 usd
us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-2771000 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
487278000 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
192692000 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
-59104000 usd
CY2022Q2 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
189379000 usd
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
192960000 usd
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
168590000 usd
CY2022Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
133856000 usd
CY2021Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
357969000 usd
CY2022Q2 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
66712000 usd
CY2021Q2 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
138429000 usd
CY2022Q2 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
67144000 usd
CY2021Q2 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
219540000 usd
CY2022Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
133856000 usd
CY2021Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
357969000 usd
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
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us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
1809000 usd
us-gaap Interest Paid Net
InterestPaidNet
27032000 usd
us-gaap Interest Paid Net
InterestPaidNet
25588000 usd
us-gaap Operating Lease Payments
OperatingLeasePayments
7772000 usd
us-gaap Operating Lease Payments
OperatingLeasePayments
9520000 usd
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
1862000 usd
us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
5187000 usd
us-gaap Noncash Or Part Noncash Acquisition Fixed Assets Acquired1
NoncashOrPartNoncashAcquisitionFixedAssetsAcquired1
1852000 usd
us-gaap Noncash Or Part Noncash Acquisition Fixed Assets Acquired1
NoncashOrPartNoncashAcquisitionFixedAssetsAcquired1
806000 usd
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
36506000 usd
us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
10269000 usd
CY2022Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
32831499 shares
CY2021Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
30050847 shares
us-gaap Use Of Estimates
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<span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Use of Estimates ‑ </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The preparation of the condensed consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the condensed consolidated financial statements, and the reported amounts of income and expenses during the reporting period. These estimates are based on information available as of the date of the condensed consolidated financial statements; therefore, actual results could differ from those estimates and assumptions.</span>
CY2022Q2 us-gaap Net Income Loss
NetIncomeLoss
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CY2021Q2 us-gaap Net Income Loss
NetIncomeLoss
7250000 usd
us-gaap Net Income Loss
NetIncomeLoss
36506000 usd
us-gaap Net Income Loss
NetIncomeLoss
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CY2022Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
-9157000 usd
CY2021Q2 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
7250000 usd
CY2021Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
28004699 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
32525768 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
27888029 shares
CY2022Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
32831499 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
33241681 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
29836089 shares
CY2022Q2 us-gaap Earnings Per Share Basic Undistributed
EarningsPerShareBasicUndistributed
-0.28
CY2021Q2 us-gaap Earnings Per Share Basic Undistributed
EarningsPerShareBasicUndistributed
0.26
us-gaap Earnings Per Share Basic Undistributed
EarningsPerShareBasicUndistributed
1.12
us-gaap Earnings Per Share Basic Undistributed
EarningsPerShareBasicUndistributed
0.37
CY2022Q2 us-gaap Earnings Per Share Diluted Undistributed
EarningsPerShareDilutedUndistributed
-0.28
CY2021Q2 us-gaap Earnings Per Share Diluted Undistributed
EarningsPerShareDilutedUndistributed
0.24
us-gaap Earnings Per Share Diluted Undistributed
EarningsPerShareDilutedUndistributed
1.10
us-gaap Earnings Per Share Diluted Undistributed
EarningsPerShareDilutedUndistributed
0.34
CY2022Q2 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
8292851 shares
CY2021Q2 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
2268423 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
5749779 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
2568257 shares
CY2022Q2 oprt Minimum Loan Sale Rate Whole Loan Sale Program
MinimumLoanSaleRateWholeLoanSaleProgram
0.10
CY2022Q2 oprt Incremental Optional Loan Sale Rate Whole Loan Sale Program
IncrementalOptionalLoanSaleRateWholeLoanSaleProgram
0.05
CY2022Q2 us-gaap Goodwill Purchase Accounting Adjustments
GoodwillPurchaseAccountingAdjustments
0 usd
CY2022Q2 us-gaap Capitalized Computer Software Accumulated Amortization
CapitalizedComputerSoftwareAccumulatedAmortization
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CY2021Q4 us-gaap Capitalized Computer Software Accumulated Amortization
CapitalizedComputerSoftwareAccumulatedAmortization
45433000 usd
CY2022Q2 us-gaap Capitalized Computer Software Net
CapitalizedComputerSoftwareNet
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CY2021Q4 us-gaap Capitalized Computer Software Net
CapitalizedComputerSoftwareNet
87617000 usd
CY2022Q2 us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
14200000 usd
CY2021Q2 us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
6600000 usd
us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
25400000 usd
us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
12400000 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
4253000 usd
CY2022Q2 oprt Finite Lived Intangible Asset Expected Amortization
FiniteLivedIntangibleAssetExpectedAmortization
39310000 usd
CY2021Q4 us-gaap Goodwill Acquired During Period
GoodwillAcquiredDuringPeriod
104000000 usd
CY2021Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
300000 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
39673000 usd
CY2021Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
43564000 usd
CY2022Q2 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
2000000 usd
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
4000000 usd
us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
0 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year
FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear
3996000 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
7949000 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
7798000 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
4929000 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
4929000 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive
4929000 usd
CY2022Q2 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive
4780000 usd
us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0 usd
CY2021Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0 shares
us-gaap Goodwill Purchase Accounting Adjustments
GoodwillPurchaseAccountingAdjustments
100000 usd
CY2022Q2 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0 usd
CY2022Q2 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
44333000 usd
CY2021Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
44100000 usd
CY2022Q2 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
35096000 usd
CY2021Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
34185000 usd
CY2022Q2 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
9237000 usd
CY2021Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
9915000 usd
CY2022Q2 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
114000 usd
CY2021Q4 us-gaap Loans Receivable Held For Sale Amount
LoansReceivableHeldForSaleAmount
491000 usd
CY2022Q2 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
20361000 usd
CY2021Q4 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
25355000 usd
CY2022Q2 us-gaap Deferred Income Tax Assets Net
DeferredIncomeTaxAssetsNet
3998000 usd
CY2021Q4 us-gaap Deferred Income Tax Assets Net
DeferredIncomeTaxAssetsNet
3923000 usd
CY2022Q2 us-gaap Income Tax Receivable
IncomeTaxReceivable
7985000 usd
CY2021Q4 us-gaap Income Tax Receivable
IncomeTaxReceivable
13330000 usd
CY2022Q2 us-gaap Other Assets Miscellaneous
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17535000 usd
CY2021Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
19330000 usd
CY2022Q2 us-gaap Other Assets
OtherAssets
59230000 usd
CY2021Q4 us-gaap Other Assets
OtherAssets
72344000 usd
CY2022Q2 us-gaap Depreciation
Depreciation
1300000 usd
CY2021Q2 us-gaap Depreciation
Depreciation
3900000 usd
us-gaap Depreciation
Depreciation
2600000 usd
us-gaap Depreciation
Depreciation
7300000 usd
CY2022Q2 us-gaap Line Of Credit Facility Maximum Borrowing Capacity
LineOfCreditFacilityMaximumBorrowingCapacity
750000000 usd
CY2022Q2 us-gaap Warehouse Agreement Borrowings
WarehouseAgreementBorrowings
505727000 usd
CY2021Q4 us-gaap Warehouse Agreement Borrowings
WarehouseAgreementBorrowings
393889000 usd
CY2022Q2 us-gaap Line Of Credit Facility Maximum Borrowing Capacity
LineOfCreditFacilityMaximumBorrowingCapacity
20900000 usd
CY2022Q2 us-gaap Accounts Payable Current And Noncurrent
AccountsPayableCurrentAndNoncurrent
5690000 usd
CY2021Q4 us-gaap Accounts Payable Current And Noncurrent
AccountsPayableCurrentAndNoncurrent
8343000 usd
CY2022Q2 us-gaap Employee Related Liabilities Current And Noncurrent
EmployeeRelatedLiabilitiesCurrentAndNoncurrent
13404000 usd
CY2021Q4 us-gaap Employee Related Liabilities Current And Noncurrent
EmployeeRelatedLiabilitiesCurrentAndNoncurrent
36417000 usd
CY2022Q2 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
31133000 usd
CY2021Q4 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
36464000 usd
CY2022Q2 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
6187000 usd
CY2021Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
3276000 usd
CY2022Q2 us-gaap Servicing Liability At Amortized Value Balance
ServicingLiabilityAtAmortizedValueBalance
2342000 usd
CY2021Q4 us-gaap Servicing Liability At Amortized Value Balance
ServicingLiabilityAtAmortizedValueBalance
14062000 usd
CY2022Q2 us-gaap Deferred Income Tax Liabilities Net
DeferredIncomeTaxLiabilitiesNet
34731000 usd
CY2021Q4 us-gaap Deferred Income Tax Liabilities Net
DeferredIncomeTaxLiabilitiesNet
28424000 usd
CY2022Q2 us-gaap Other Accrued Liabilities Current And Noncurrent
OtherAccruedLiabilitiesCurrentAndNoncurrent
10455000 usd
CY2021Q4 us-gaap Other Accrued Liabilities Current And Noncurrent
OtherAccruedLiabilitiesCurrentAndNoncurrent
8372000 usd
CY2022Q2 us-gaap Other Liabilities
OtherLiabilities
103942000 usd
CY2021Q4 us-gaap Other Liabilities
OtherLiabilities
135358000 usd
CY2022Q2 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
100000000 shares
CY2021Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
100000000 shares
CY2021Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2022Q2 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
1000000000 shares
CY2021Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
1000000000 shares
CY2021Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.0001
CY2022Q2 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.0001
CY2022Q2 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
33171619 shares
CY2022Q2 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
32899596 shares
CY2022Q2 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
272023 shares
CY2021Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
32276419 shares
CY2021Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
32004396 shares
CY2021Q4 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
272023 shares
CY2022Q2 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
6929000 usd
CY2021Q2 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
5113000 usd
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
13702000 usd
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
9936000 usd
CY2022Q2 us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
700000 usd
us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
1400000 usd
CY2021Q2 us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
300000 usd
us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
500000 usd
CY2022Q2 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
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us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
-900000 usd
CY2022Q2 oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
201904000 usd
CY2021Q2 oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
127280000 usd
oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
389291000 usd
oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
252962000 usd
CY2022Q2 oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
5751000 usd
CY2021Q2 oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
1309000 usd
oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
10601000 usd
oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
2818000 usd
CY2022Q2 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
207655000 usd
CY2021Q2 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
128589000 usd
us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
399892000 usd
us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
255780000 usd
CY2022Q2 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
-1000 usd
CY2021Q2 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
5321000 usd
us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
5714000 usd
us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
9755000 usd
CY2022Q2 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
6321000 usd
CY2021Q2 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
2963000 usd
us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
10278000 usd
us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
6041000 usd
CY2022Q2 us-gaap Other Income
OtherIncome
11827000 usd
CY2021Q2 us-gaap Other Income
OtherIncome
1381000 usd
us-gaap Other Income
OtherIncome
24638000 usd
us-gaap Other Income
OtherIncome
1991000 usd
CY2022Q2 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
18147000 usd
CY2021Q2 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
9665000 usd
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
40630000 usd
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
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0.277
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.189
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IncomeTaxExpenseBenefit
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us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
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EffectiveIncomeTaxRateContinuingOperations
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CY2021Q2 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
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0 usd
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0 usd
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1200000 usd
us-gaap Restructuring Costs
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CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
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7375000 usd
CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
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13362000 usd
CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due Year Two
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11331000 usd
CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due Year Three
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CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
3463000 usd
CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due Year Five
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640000 usd
CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
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7000 usd
CY2022Q2 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
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CY2022Q2 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
3202000 usd
CY2022Q2 us-gaap Operating Lease Liability
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0 usd
CY2022Q2 oprt Operating Lease Asset
OperatingLeaseAsset
0 usd
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OperatingLeaseLiabilityNet
42362000 usd
CY2022Q2 us-gaap Operating Lease Weighted Average Remaining Lease Term1
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P3Y6M
CY2022Q2 us-gaap Operating Lease Weighted Average Discount Rate Percent
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0.0397
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
14927000 usd
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
13214000 usd
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
11142000 usd
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
9238000 usd
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
3387000 usd
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
706000 usd
CY2021Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
52614000 usd
CY2021Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
4030000 usd
CY2021Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
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CY2021Q4 us-gaap Lessor Operating Lease Payments To Be Received Next Twelve Months
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896000 usd
CY2021Q4 oprt Lessor Operating Lease Payment To Be Received After Year Two
LessorOperatingLeasePaymentToBeReceivedAfterYearTwo
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CY2021Q4 us-gaap Lessor Operating Lease Payments To Be Received
LessorOperatingLeasePaymentsToBeReceived
896000 usd
CY2021Q4 oprt Lessor Operating Lease Asset Undiscounted Excess Amount
LessorOperatingLeaseAssetUndiscountedExcessAmount
11000 usd
CY2021Q4 oprt Operating Lease Asset
OperatingLeaseAsset
885000 usd
CY2021Q4 oprt Operating Lease Liability Net
OperatingLeaseLiabilityNet
47699000 usd
CY2021Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P3Y10M24D
CY2021Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
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0.0401
CY2022Q2 us-gaap Operating Lease Expense
OperatingLeaseExpense
5700000 usd
us-gaap Operating Lease Expense
OperatingLeaseExpense
10100000 usd
CY2021Q2 us-gaap Operating Lease Expense
OperatingLeaseExpense
6200000 usd
us-gaap Operating Lease Expense
OperatingLeaseExpense
15600000 usd
CY2022Q2 oprt Minimum Loan Sale Rate Whole Loan Sale Program
MinimumLoanSaleRateWholeLoanSaleProgram
0.10
CY2022Q2 oprt Incremental Optional Loan Sale Rate Whole Loan Sale Program
IncrementalOptionalLoanSaleRateWholeLoanSaleProgram
0.05
CY2022Q2 us-gaap Other Commitment
OtherCommitment
58500000 usd
CY2021Q4 us-gaap Other Commitment
OtherCommitment
39800000 usd
CY2022Q2 us-gaap Loss Contingency Accrual Carrying Value Period Increase Decrease
LossContingencyAccrualCarryingValuePeriodIncreaseDecrease
2800000 usd

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