$OPRT
Oportun Financial Corp

2022 Q4 Form 10-Q Financial Statement

#000153871622000218 Filed on November 08, 2022

View on sec.gov

Income Statement

Concept 2022 Q4 2022 Q3
Revenue $226.4M $250.1M
YoY Change 41.0% 57.2%
Cost Of Revenue $17.52M $18.62M
YoY Change
Gross Profit $208.8M $204.8M
YoY Change
Gross Profit Margin 92.26% 81.89%
Selling, General & Admin $333.7M $14.40M
YoY Change 138.96% 436.15%
% of Gross Profit 159.78% 7.03%
Research & Development $9.500M $9.000M
YoY Change
% of Gross Profit 4.55% 4.39%
Depreciation & Amortization -$1.171M $1.300M
YoY Change -117.42% 0.0%
% of Gross Profit -0.56% 0.63%
Operating Expenses $333.7M $14.40M
YoY Change 138.96% 436.15%
Operating Profit -$124.8M $190.4M
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net $116.9M -$230.0M
YoY Change
Pretax Income -$7.920M -$112.4M
YoY Change -137.91% -499.56%
Income Tax $502.0K -$6.500M
% Of Pretax Income
Net Earnings -$8.420M -$105.8M
YoY Change -159.44% -560.54%
Net Earnings / Revenue -3.72% -42.32%
Basic Earnings Per Share -$3.21
Diluted Earnings Per Share -$0.26 -$3.21
COMMON SHARES
Basic Shares Outstanding 33.19M shares 32.93M shares
Diluted Shares Outstanding 33.01M shares

Balance Sheet

Concept 2022 Q4 2022 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $98.82M $175.9M
YoY Change -24.54% 4.42%
Cash & Equivalents $98.82M $175.9M
Short-Term Investments
Other Short-Term Assets $129.2M $25.06M
YoY Change 409.64% 39.5%
Inventory
Prepaid Expenses
Receivables $3.144B $2.991B
Other Receivables $40.04M $48.59M
Total Short-Term Assets $3.412B $231.5M
YoY Change 1825.03% 14.24%
LONG-TERM ASSETS
Property, Plant & Equipment $10.52M $9.442M
YoY Change 6.14% -2.58%
Goodwill $0.00 $0.00
YoY Change -100.0%
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $19.40M $98.22M
YoY Change -70.57% 71.21%
Total Long-Term Assets $202.0M $3.308B
YoY Change -92.71% 54.23%
TOTAL ASSETS
Total Short-Term Assets $3.412B $231.5M
Total Long-Term Assets $202.0M $3.308B
Total Assets $3.614B $3.540B
YoY Change 22.64% 50.77%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $9.670M $3.470M
YoY Change 15.91% -36.34%
Accrued Expenses $47.14M $89.62M
YoY Change -61.94% -10.13%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due $90.45M $3.720M
YoY Change
Total Short-Term Liabilities $156.8M $106.0M
YoY Change 1.42% -13.95%
LONG-TERM LIABILITIES
Long-Term Debt $2.852B $2.845B
YoY Change 32.04% 68.52%
Other Long-Term Liabilities -$114.8M -$102.7M
YoY Change
Total Long-Term Liabilities $2.737B $2.845B
YoY Change 26.72% 68.52%
TOTAL LIABILITIES
Total Short-Term Liabilities $156.8M $106.0M
Total Long-Term Liabilities $2.737B $2.845B
Total Liabilities $3.066B $2.991B
YoY Change 30.88% 62.86%
SHAREHOLDERS EQUITY
Retained Earnings $6.102M $14.53M
YoY Change -92.72% -79.15%
Common Stock $547.8M $540.9M
YoY Change 4.08% 20.68%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $547.6M $549.1M
YoY Change
Total Liabilities & Shareholders Equity $3.614B $3.540B
YoY Change 22.64% 50.77%

Cashflow Statement

Concept 2022 Q4 2022 Q3
OPERATING ACTIVITIES
Net Income -$8.420M -$105.8M
YoY Change -159.44% -560.54%
Depreciation, Depletion And Amortization -$1.171M $1.300M
YoY Change -117.42% 0.0%
Cash From Operating Activities $20.83M $67.70M
YoY Change -65.12% 35.7%
INVESTING ACTIVITIES
Capital Expenditures $14.63M -$14.53M
YoY Change -182.63% 104.89%
Acquisitions
YoY Change
Other Investing Activities $22.18M -$263.3M
YoY Change -104.03% 4.29%
Cash From Investing Activities $22.18M -$277.9M
YoY Change -103.9% 7.04%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -249.8M 348.5M
YoY Change -152.3% 361.68%
NET CHANGE
Cash From Operating Activities 20.83M 67.70M
Cash From Investing Activities 22.18M -277.9M
Cash From Financing Activities -249.8M 348.5M
Net Change In Cash -206.7M 138.4M
YoY Change 571.34% -203.08%
FREE CASH FLOW
Cash From Operating Activities $20.83M $67.70M
Capital Expenditures $14.63M -$14.53M
Free Cash Flow $6.201M $82.23M
YoY Change -91.99% 44.31%

Facts In Submission

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CurrentFiscalYearEndDate
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dei Document Fiscal Year Focus
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dei Document Fiscal Period Focus
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dei Entity File Number
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dei Entity Registrant Name
EntityRegistrantName
OPORTUN FINANCIAL CORPORATION
dei Entity Incorporation State Country Code
EntityIncorporationStateCountryCode
DE
dei Entity Tax Identification Number
EntityTaxIdentificationNumber
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dei Security12b Title
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dei Trading Symbol
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CY2021Q3 us-gaap Adjustments To Additional Paid In Capital Sharebased Compensation Requisite Service Period Recognition Value
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4868000 usd
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NetIncomeLoss
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NetIncomeLoss
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us-gaap Net Income Loss
NetIncomeLoss
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DepreciationAmortizationAndAccretionNet
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us-gaap Depreciation Amortization And Accretion Net
DepreciationAmortizationAndAccretionNet
20390000 usd
us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
108472000 usd
us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
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us-gaap Debt Securities Realized Gain Loss
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us-gaap Debt Securities Realized Gain Loss
DebtSecuritiesRealizedGainLoss
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us-gaap Amortization Of Deferred Loan Origination Fees Net
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17699000 usd
us-gaap Amortization Of Deferred Loan Origination Fees Net
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9070000 usd
us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
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us-gaap Gain Loss On Sales Of Consumer Loans
GainLossOnSalesOfConsumerLoans
17083000 usd
us-gaap Share Based Compensation
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us-gaap Share Based Compensation
ShareBasedCompensation
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us-gaap Payments For Origination And Purchases Of Loans Held For Sale
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us-gaap Payments For Origination And Purchases Of Loans Held For Sale
PaymentsForOriginationAndPurchasesOfLoansHeldForSale
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ProceedsFromSaleOfOtherLoansHeldForSale
56800000 usd
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86052000 usd
us-gaap Increase Decrease In Other Operating Capital Net
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18004000 usd
us-gaap Net Cash Provided By Used In Operating Activities
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us-gaap Net Cash Provided By Used In Operating Activities
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us-gaap Payments To Acquire Loans Held For Investment
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us-gaap Payments To Acquire Loans Held For Investment
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us-gaap Proceeds From Sale Of Loans Held For Investment
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us-gaap Proceeds From Sale Of Loans Held For Investment
ProceedsFromSaleOfLoansHeldForInvestment
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us-gaap Proceeds From Collection Of Finance Receivables
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us-gaap Proceeds From Collection Of Finance Receivables
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us-gaap Payments For Software
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us-gaap Payments For Proceeds From Other Investing Activities
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us-gaap Net Cash Provided By Used In Investing Activities
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1687050000 usd
us-gaap Proceeds From Long Term Lines Of Credit
ProceedsFromLongTermLinesOfCredit
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us-gaap Proceeds From Issuance Of Secured Debt
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us-gaap Proceeds From Issuance Of Secured Debt
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1717050000 usd
us-gaap Repayments Of Long Term Lines Of Credit
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us-gaap Repayments Of Secured Debt
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us-gaap Repayments Of Secured Debt
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us-gaap Payments Of Financing Costs
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us-gaap Proceeds From Payments For Other Financing Activities
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us-gaap Net Cash Provided By Used In Financing Activities
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us-gaap Net Cash Provided By Used In Financing Activities
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79247000 usd
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us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
55165000 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
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
272207000 usd
CY2021Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
223755000 usd
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CashAndCashEquivalentsAtCarryingValue
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CY2021Q3 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
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RestrictedCashAndCashEquivalents
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CY2021Q3 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
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CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
272207000 usd
CY2021Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
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us-gaap Income Taxes Paid Net
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us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
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us-gaap Interest Paid Net
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us-gaap Interest Paid Net
InterestPaidNet
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us-gaap Operating Lease Payments
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us-gaap Operating Lease Payments
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us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
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us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
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us-gaap Noncash Or Part Noncash Acquisition Fixed Assets Acquired1
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OtherNoncashFinancingActivities
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CY2021Q3 us-gaap Net Income Loss Available To Common Stockholders Diluted
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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>
CY2022Q3 us-gaap Net Income Loss
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CY2021Q3 us-gaap Net Income Loss
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us-gaap Net Income Loss
NetIncomeLoss
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us-gaap Net Income Loss
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CY2022Q3 us-gaap Net Income Loss Available To Common Stockholders Basic
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us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
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us-gaap Net Income Loss Available To Common Stockholders Diluted
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CY2021Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
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CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
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33010107 shares
CY2021Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
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EarningsPerShareBasicUndistributed
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CY2021Q3 us-gaap Earnings Per Share Basic Undistributed
EarningsPerShareBasicUndistributed
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us-gaap Earnings Per Share Basic Undistributed
EarningsPerShareBasicUndistributed
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us-gaap Earnings Per Share Basic Undistributed
EarningsPerShareBasicUndistributed
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EarningsPerShareDilutedUndistributed
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CY2021Q3 us-gaap Earnings Per Share Diluted Undistributed
EarningsPerShareDilutedUndistributed
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us-gaap Earnings Per Share Diluted Undistributed
EarningsPerShareDilutedUndistributed
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us-gaap Earnings Per Share Diluted Undistributed
EarningsPerShareDilutedUndistributed
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CY2021Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
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us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
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us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
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MinimumLoanSaleRateWholeLoanSaleProgram
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CapitalizedComputerSoftwareAccumulatedAmortization
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CY2021Q4 us-gaap Capitalized Computer Software Net
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CapitalizedComputerSoftwareAdditions
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CY2021Q3 us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
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us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
39200000 usd
us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
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4929000 usd
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CY2022Q3 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
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FiniteLivedIntangibleAssetsAccumulatedAmortization
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FiniteLivedIntangibleAssetsNet
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CY2021Q3 us-gaap Amortization Of Intangible Assets
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us-gaap Amortization Of Intangible Assets
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us-gaap Amortization Of Intangible Assets
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CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Remainder Of Fiscal Year
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CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
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CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
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CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
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CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
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4929000 usd
CY2022Q3 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive
4780000 usd
CY2022Q3 oprt Finite Lived Intangible Asset Expected Amortization
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us-gaap Goodwill Purchase Accounting Adjustments
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us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
108500000 usd
us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
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CY2021Q3 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
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Goodwill
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us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
108472000 usd
CY2022Q3 us-gaap Goodwill
Goodwill
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45794000 usd
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CY2022Q3 us-gaap Property Plant And Equipment Net
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CY2021Q4 us-gaap Property Plant And Equipment Net
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CY2022Q3 us-gaap Loans Receivable Held For Sale Amount
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CY2021Q4 us-gaap Prepaid Expense Current And Noncurrent
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CY2022Q3 us-gaap Deferred Income Tax Assets Net
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CY2021Q4 us-gaap Deferred Income Tax Assets Net
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CY2022Q3 us-gaap Income Tax Receivable
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CY2021Q4 us-gaap Income Tax Receivable
IncomeTaxReceivable
13330000 usd
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CY2021Q3 us-gaap Depreciation
Depreciation
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us-gaap Depreciation
Depreciation
3800000 usd
us-gaap Depreciation
Depreciation
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CY2022Q3 us-gaap Warehouse Agreement Borrowings
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CY2021Q4 us-gaap Accrued Liabilities And Other Liabilities
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36464000 usd
CY2021Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
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CY2022Q3 us-gaap Interest Payable Current And Noncurrent
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CY2021Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
3276000 usd
CY2022Q3 us-gaap Servicing Liability At Amortized Value Balance
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2585000 usd
CY2021Q4 us-gaap Servicing Liability At Amortized Value Balance
ServicingLiabilityAtAmortizedValueBalance
14062000 usd
CY2022Q3 us-gaap Deferred Income Tax Liabilities Net
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39568000 usd
CY2021Q4 us-gaap Deferred Income Tax Liabilities Net
DeferredIncomeTaxLiabilitiesNet
28424000 usd
CY2022Q3 us-gaap Other Accrued Liabilities Current And Noncurrent
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OtherAccruedLiabilitiesCurrentAndNoncurrent
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CY2022Q3 us-gaap Other Liabilities
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105416000 usd
CY2021Q4 us-gaap Other Liabilities
OtherLiabilities
135358000 usd
CY2021Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
100000000 shares
CY2022Q3 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
100000000 shares
CY2022Q3 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
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CY2021Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
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CY2022Q3 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
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CY2022Q3 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
33460161 shares
CY2022Q3 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
33188138 shares
CY2022Q3 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
272023 shares
CY2021Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
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CY2021Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
32004396 shares
CY2021Q4 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
272023 shares
CY2022Q3 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
7050000 usd
CY2021Q3 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
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us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
20752000 usd
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
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CY2022Q3 us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
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us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
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CY2021Q3 us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
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us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
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CY2022Q3 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
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CY2021Q3 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
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CY2022Q3 oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
226103000 usd
CY2021Q3 oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
143582000 usd
oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
615394000 usd
oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
396544000 usd
CY2022Q3 oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
6012000 usd
CY2021Q3 oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
1862000 usd
oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
16613000 usd
oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
4680000 usd
CY2022Q3 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
232115000 usd
CY2021Q3 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
145444000 usd
us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
632007000 usd
us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
401224000 usd
CY2022Q3 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
-6000 usd
CY2021Q3 us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
7328000 usd
us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
5708000 usd
us-gaap Gain Loss On Sales Of Loans Net
GainLossOnSalesOfLoansNet
17083000 usd
CY2022Q3 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
5266000 usd
CY2021Q3 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
3250000 usd
us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
15544000 usd
us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
9291000 usd
CY2022Q3 us-gaap Other Income
OtherIncome
12701000 usd
CY2021Q3 us-gaap Other Income
OtherIncome
3062000 usd
us-gaap Other Income
OtherIncome
37339000 usd
us-gaap Other Income
OtherIncome
5053000 usd
CY2022Q3 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
17961000 usd
CY2021Q3 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
13640000 usd
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
58591000 usd
us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
31427000 usd
CY2022Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-6500000 usd
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2000000 usd
CY2022Q3 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.058
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
-0.029
CY2021Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
5100000 usd
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
8700000 usd
CY2021Q3 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.183
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.207
CY2022Q3 us-gaap Income Tax Reconciliation Other Reconciling Items
IncomeTaxReconciliationOtherReconcilingItems
-11700000 usd
CY2022Q3 us-gaap Effective Income Tax Rate Reconciliation Other Reconciling Items Percent
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent
-2.27
CY2021Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
5100000 usd
CY2022Q3 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-6500000 usd
us-gaap Income Tax Reconciliation Other Reconciling Items
IncomeTaxReconciliationOtherReconcilingItems
-6700000 usd
us-gaap Effective Income Tax Rate Reconciliation Other Reconciling Items Percent
EffectiveIncomeTaxRateReconciliationOtherReconcilingItemsPercent
-0.77
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
8700000 usd
us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2000000 usd
CY2022Q2 oprt Number Of Retail Locations Closed
NumberOfRetailLocationsClosed
27 retaillocation
CY2022Q3 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
2969656000 usd
CY2022Q3 oprt Loansand Leases Receivable Grossat Fair Value
LoansandLeasesReceivableGrossatFairValue
2991334000 usd
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2272864000 usd
CY2021Q4 oprt Loansand Leases Receivable Grossat Fair Value
LoansandLeasesReceivableGrossatFairValue
2386807000 usd
CY2022Q3 us-gaap Secured Debt
SecuredDebt
2408362000 usd
CY2022Q3 oprt Secured Debt Fair Value
SecuredDebtFairValue
2238331000 usd
CY2021Q4 us-gaap Secured Debt
SecuredDebt
1654412000 usd
CY2021Q4 oprt Secured Debt Fair Value
SecuredDebtFairValue
1651706000 usd
CY2022Q3 us-gaap Fair Value Option Loans Held As Assets90 Days Or More Past Due
FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue
7000000 usd
CY2022Q3 oprt Fair Value Option Principal Balanceof Loans Heldas Assets90 Daysor More Past Due
FairValueOptionPrincipalBalanceofLoansHeldasAssets90DaysorMorePastDue
39200000 usd
CY2021Q4 us-gaap Fair Value Option Loans Held As Assets90 Days Or More Past Due
FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue
3500000 usd
CY2021Q4 oprt Fair Value Option Principal Balanceof Loans Heldas Assets90 Daysor More Past Due
FairValueOptionPrincipalBalanceofLoansHeldasAssets90DaysorMorePastDue
20700000 usd
CY2022Q3 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Out Of Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersOutOfLevel3
0 usd
us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersIntoLevel3
0 usd
us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Out Of Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersOutOfLevel3
0 usd
us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersIntoLevel3
0 usd
CY2021Q3 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersIntoLevel3
0 usd
CY2022Q3 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersIntoLevel3
0 usd
us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Out Of Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersOutOfLevel3
0 usd
CY2021Q3 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Out Of Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersOutOfLevel3
0 usd
us-gaap Restructuring Costs
RestructuringCosts
1400000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Payments Remainder Of Fiscal Year
LesseeOperatingLeaseLiabilityPaymentsRemainderOfFiscalYear
3721000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
13678000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
11700000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
9713000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
3705000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
812000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
14000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
43343000 usd
CY2022Q3 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
3194000 usd
CY2022Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
40149000 usd
CY2022Q3 oprt Operating Lease Asset
OperatingLeaseAsset
0 usd
CY2022Q3 oprt Operating Lease Liability Net
OperatingLeaseLiabilityNet
40149000 usd
CY2022Q3 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P3Y4M24D
CY2022Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
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
48584000 usd
CY2021Q4 us-gaap Lessor Operating Lease Payments To Be Received Next Twelve Months
LessorOperatingLeasePaymentsToBeReceivedNextTwelveMonths
896000 usd
CY2021Q4 oprt Lessor Operating Lease Payment To Be Received After Year Two
LessorOperatingLeasePaymentToBeReceivedAfterYearTwo
0 usd
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
OperatingLeaseWeightedAverageDiscountRatePercent
0.0401
CY2022Q3 us-gaap Operating Lease Expense
OperatingLeaseExpense
4200000 usd
us-gaap Operating Lease Expense
OperatingLeaseExpense
14200000 usd
CY2021Q3 us-gaap Operating Lease Expense
OperatingLeaseExpense
4300000 usd
us-gaap Operating Lease Expense
OperatingLeaseExpense
19900000 usd
CY2022Q1 oprt Minimum Loan Sale Rate Whole Loan Sale Program
MinimumLoanSaleRateWholeLoanSaleProgram
0.10
CY2022Q1 oprt Incremental Optional Loan Sale Rate Whole Loan Sale Program
IncrementalOptionalLoanSaleRateWholeLoanSaleProgram
0.05
CY2022Q3 us-gaap Other Commitment
OtherCommitment
49900000 usd
CY2021Q4 us-gaap Other Commitment
OtherCommitment
39800000 usd

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