2024 Q1 Form 10-K Financial Statement

#000153871624000032 Filed on March 15, 2024

View on sec.gov

Income Statement

Concept 2024 Q1 2023 Q4 2023
Revenue $250.5M $72.10M $1.057B
YoY Change -3.48% -68.15% 10.96%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin $11.78M $129.4M $72.39M
YoY Change -38.54% -61.23% 23.02%
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $1.100M $13.78M $4.300M
YoY Change -15.38% -1277.03% -17.31%
% of Gross Profit
Operating Expenses $109.6M $129.4M $534.3M
YoY Change -25.08% -61.23% 808.12%
Operating Profit
YoY Change
Interest Expense
YoY Change
% of Operating Profit
Other Income/Expense, Net
YoY Change
Pretax Income -$30.48M -$57.28M -$253.7M
YoY Change -78.47% 623.22% 236.92%
Income Tax -$4.000M -$15.46M -$73.70M
% Of Pretax Income
Net Earnings -$26.44M -$41.82M -$180.0M
YoY Change -74.1% 396.72% 131.47%
Net Earnings / Revenue -10.56% -58.01% -17.03%
Basic Earnings Per Share -$0.68 -$4.88
Diluted Earnings Per Share -$0.68 -$1.09 -$4.88
COMMON SHARES
Basic Shares Outstanding 34.56M shares 34.23M shares 36.88M shares
Diluted Shares Outstanding 38.90M shares 36.88M shares

Balance Sheet

Concept 2024 Q1 2023 Q4 2023
SHORT-TERM ASSETS
Cash & Short-Term Investments $69.20M $91.19M $91.19M
YoY Change -6.59% -7.72% -7.72%
Cash & Equivalents $69.20M $91.19M $91.19M
Short-Term Investments
Other Short-Term Assets $15.60M $15.76M $15.76M
YoY Change -89.48% -87.81% -87.81%
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $84.80M $106.9M $106.9M
YoY Change -97.41% -96.87% -96.87%
LONG-TERM ASSETS
Property, Plant & Equipment $6.017M $6.991M $28.10M
YoY Change -39.57% -33.57% -31.42%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $180.3M $163.0M $163.0M
YoY Change 435.51% 739.96% 739.96%
Total Long-Term Assets $3.193B $3.305B $3.305B
YoY Change 1305.69% 1536.39% 1536.35%
TOTAL ASSETS
Total Short-Term Assets $84.80M $106.9M $106.9M
Total Long-Term Assets $3.193B $3.305B $3.305B
Total Assets $3.278B $3.412B $3.412B
YoY Change -6.41% -5.58% -5.58%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $6.531M $5.288M $5.288M
YoY Change -6.57% -45.32% -45.32%
Accrued Expenses $70.03M $76.94M $76.94M
YoY Change 36.88% 63.22% 63.22%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $83.69M $89.37M $89.37M
YoY Change 7.32% -43.02% -43.02%
LONG-TERM LIABILITIES
Long-Term Debt $2.805B $2.910B $2.910B
YoY Change -4.46% 2.06% 2.06%
Other Long-Term Liabilities $6.941M $7.946M $7.946M
YoY Change -105.19% -106.92% -106.92%
Total Long-Term Liabilities $2.812B $2.918B $2.918B
YoY Change 0.35% 6.63% 6.63%
TOTAL LIABILITIES
Total Short-Term Liabilities $83.69M $89.37M $89.37M
Total Long-Term Liabilities $2.812B $2.918B $2.918B
Total Liabilities $2.896B $3.007B $3.007B
YoY Change -4.94% -1.91% -1.91%
SHAREHOLDERS EQUITY
Retained Earnings -$200.3M -$173.8M
YoY Change 108.66% -2949.05%
Common Stock $588.6M $584.6M
YoY Change 5.39% 6.71%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $382.0M $404.4M $404.4M
YoY Change
Total Liabilities & Shareholders Equity $3.278B $3.412B $3.412B
YoY Change -6.41% -5.58% -5.58%

Cashflow Statement

Concept 2024 Q1 2023 Q4 2023
OPERATING ACTIVITIES
Net Income -$26.44M -$41.82M -$180.0M
YoY Change -74.1% 396.72% 131.47%
Depreciation, Depletion And Amortization $1.100M $13.78M $4.300M
YoY Change -15.38% -1277.03% -17.31%
Cash From Operating Activities $85.88M $106.3M $392.8M
YoY Change 11.81% 410.37% 58.45%
INVESTING ACTIVITIES
Capital Expenditures $3.221M $6.316M $32.70M
YoY Change -74.26% -56.83% 445.5%
Acquisitions
YoY Change
Other Investing Activities $124.0K -$90.50M $1.442M
YoY Change -83.9% -508.01% -100.12%
Cash From Investing Activities $36.46M -$96.81M -$286.2M
YoY Change -191.96% -536.49% -75.57%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities -$131.8M -3.127M -$104.4M
YoY Change 237.43% -98.75% -111.17%
NET CHANGE
Cash From Operating Activities $85.88M 106.3M $392.8M
Cash From Investing Activities $36.46M -96.81M -$286.2M
Cash From Financing Activities -$131.8M -3.127M -$104.4M
Net Change In Cash -$9.463M 6.371M $2.199M
YoY Change 399.1% -103.08% -79.75%
FREE CASH FLOW
Cash From Operating Activities $85.88M $106.3M $392.8M
Capital Expenditures $3.221M $6.316M $32.70M
Free Cash Flow $82.66M $99.99M $360.1M
YoY Change 28.55% 1512.56% 48.86%

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CY2023 oprt Proceeds From Issuance Of Asset Backed Borowings At Amortized Cost
ProceedsFromIssuanceOfAssetBackedBorowingsAtAmortizedCost
626405000 usd
CY2022 oprt Proceeds From Issuance Of Asset Backed Borowings At Amortized Cost
ProceedsFromIssuanceOfAssetBackedBorowingsAtAmortizedCost
0 usd
CY2023 oprt Repayments Of Asset Backed Notes At Amortized Cost
RepaymentsOfAssetBackedNotesAtAmortizedCost
33615000 usd
CY2022 oprt Repayments Of Asset Backed Notes At Amortized Cost
RepaymentsOfAssetBackedNotesAtAmortizedCost
0 usd
CY2023 oprt Proceeds From Issuance Of Acquisition And Corporate Financing Debt
ProceedsFromIssuanceOfAcquisitionAndCorporateFinancingDebt
73355000 usd
CY2022 oprt Proceeds From Issuance Of Acquisition And Corporate Financing Debt
ProceedsFromIssuanceOfAcquisitionAndCorporateFinancingDebt
0 usd
CY2023 oprt Repayments Of Acquisition And Corporate Financing Debt
RepaymentsOfAcquisitionAndCorporateFinancingDebt
28442000 usd
CY2022 oprt Repayments Of Acquisition And Corporate Financing Debt
RepaymentsOfAcquisitionAndCorporateFinancingDebt
0 usd
CY2023 us-gaap Payments Of Financing Costs
PaymentsOfFinancingCosts
2719000 usd
CY2022 us-gaap Payments Of Financing Costs
PaymentsOfFinancingCosts
8189000 usd
CY2023 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-2699000 usd
CY2022 us-gaap Proceeds From Payments For Other Financing Activities
ProceedsFromPaymentsForOtherFinancingActivities
-8665000 usd
CY2023 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-104385000 usd
CY2022 us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
934530000 usd
CY2023 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
2199000 usd
CY2022 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Including Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect
10857000 usd
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
203817000 usd
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
192960000 usd
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
206016000 usd
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
203817000 usd
CY2023Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
91187000 usd
CY2022Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
98817000 usd
CY2023Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
114829000 usd
CY2022Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
105000000 usd
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
206016000 usd
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
203817000 usd
CY2023 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
-1860000 usd
CY2022 us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
-3457000 usd
CY2023 us-gaap Interest Paid Net
InterestPaidNet
183973000 usd
CY2022 us-gaap Interest Paid Net
InterestPaidNet
85775000 usd
CY2023 us-gaap Operating Lease Payments
OperatingLeasePayments
14070000 usd
CY2022 us-gaap Operating Lease Payments
OperatingLeasePayments
15696000 usd
CY2023 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
1835000 usd
CY2022 us-gaap Right Of Use Asset Obtained In Exchange For Operating Lease Liability
RightOfUseAssetObtainedInExchangeForOperatingLeaseLiability
4161000 usd
CY2023 oprt Non Cash Investment In Capitalized Assets
NonCashInvestmentInCapitalizedAssets
-305000 usd
CY2022 oprt Non Cash Investment In Capitalized Assets
NonCashInvestmentInCapitalizedAssets
2672000 usd
CY2023 oprt Other Noncash Financing Activities
OtherNoncashFinancingActivities
17807000 usd
CY2022 oprt Other Noncash Financing Activities
OtherNoncashFinancingActivities
1550000 usd
CY2023 us-gaap Use Of Estimates
UseOfEstimates
<div style="text-align:justify;text-indent:18pt"><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 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 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 consolidated financial statements; therefore, actual results could differ from those estimates and assumptions.</span></div>
CY2023 us-gaap Concentration Risk Credit Risk
ConcentrationRiskCreditRisk
<span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Concentration of Credit Risk ‑ </span>Financial instruments that potentially subject the Company to concentrations of credit risk consist principally of loans receivable at fair value.
CY2023Q4 us-gaap Financing Receivable Threshold Period Past Due
FinancingReceivableThresholdPeriodPastDue
P120D
CY2023 oprt Loans Held For Sale Sale Period From Origination
LoansHeldForSaleSalePeriodFromOrigination
P4D
CY2022 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
108500000 usd
CY2023 us-gaap Goodwill Impairment Loss
GoodwillImpairmentLoss
0 usd
CY2023 us-gaap Property Plant And Equipment Impairment
PropertyPlantAndEquipmentImpairment
<span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Impairment ‑ </span>The Company reviews long-lived assets, including fixed assets, right of use assets and system development costs, for impairment whenever events or changes in circumstances indicate that the carrying amount of the assets may not be fully recoverable. An impairment loss is recognized when estimated undiscounted future cash flows expected to result from the use of the asset and its eventual disposition are less than its carrying amount.
CY2022 us-gaap Impairment Of Long Lived Assets Held For Use
ImpairmentOfLongLivedAssetsHeldForUse
0 usd
CY2023 us-gaap Impairment Of Long Lived Assets Held For Use
ImpairmentOfLongLivedAssetsHeldForUse
0 usd
CY2023 us-gaap Revenue Recognition Interest
RevenueRecognitionInterest
<div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:700;line-height:120%">Revenue Recognition ‑ </span><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">The Company’s primary sources of revenue consist of interest and non-interest income. </span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-style:italic;font-weight:700;line-height:120%">Interest Income</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest income includes interest and fees on loans. Generally, the Company’s loans require semi-monthly or biweekly borrower payments of interest and principal. Fees on loans include billed late fees offset by charged-off fees. The Company charges borrowers a late fee if a scheduled installment payment becomes delinquent. Depending on the loan, late fees are assessed when the loan is <span style="-sec-ix-hidden:f-318">eight</span> to 16 days delinquent. Late fees are recognized when they are billed. When a loan is charged off, uncollected late fees are also written off. For Loans Receivable at Fair Value, interest income includes (i) billed interest and late fees, plus (ii) origination fees recognized at loan disbursement, less (iii) charged-off interest and late fees. Additionally, direct loan origination expenses are recognized in operating expenses as incurred. For Loans Receivable at Fair Value, loan origination fees and costs are recognized when incurred.</span></div><div style="text-align:justify;text-indent:18pt"><span><br/></span></div><div style="text-align:justify;text-indent:18pt"><span style="color:#000000;font-family:'Times New Roman',sans-serif;font-size:9pt;font-weight:400;line-height:120%">Interest income on our personal loans receivable is recognized based upon the amount the Company expects to collect from its borrowers. When a loan becomes delinquent for a period of 90 days or more, interest income continues to be recorded until the loan is charged off. Delinquent loans are charged off at month-end during the month it becomes 120 days’ delinquent. Previously accrued and unpaid interest is also charged off in the month the Company receives a notification of bankruptcy, a judgment or mediated agreement by the court, or loss of life, unless there is evidence that the principal and interest are collectible. </span></div>Interest income on our credit card receivables is recognized on the current balance on the account, inclusive of outstanding principal balance plus previously unpaid interest and fees, at the end of the monthly billing cycle. Delinquent credit card accounts, including unpaid interest and fees are charged off at month-end during the month they become 180 days contractually past due.
CY2023Q4 us-gaap Financing Receivable Threshold Period Past Due Writeoff
FinancingReceivableThresholdPeriodPastDueWriteoff
P120D
CY2022 us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
0 shares
CY2023 us-gaap Treasury Stock Shares Retired
TreasuryStockSharesRetired
0 shares
CY2022 us-gaap Treasury Stock Shares Retired
TreasuryStockSharesRetired
0 shares
CY2023 us-gaap Stock Issued During Period Shares Treasury Stock Reissued
StockIssuedDuringPeriodSharesTreasuryStockReissued
0 shares
CY2023 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
6663275 shares
CY2022 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
7874995 shares
CY2023 us-gaap Net Income Loss Available To Common Stockholders Diluted
NetIncomeLossAvailableToCommonStockholdersDiluted
-179951000 usd
CY2023 us-gaap Net Income Loss Available To Common Stockholders Basic
NetIncomeLossAvailableToCommonStockholdersBasic
-179951000 usd
CY2023 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
36875950 shares
CY2022 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
32825772 shares
CY2023 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
36875950 shares
CY2022 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
32825772 shares
CY2023 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
-4.88
CY2022 us-gaap Earnings Per Share Basic
EarningsPerShareBasic
-2.37
CY2023 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
-4.88
CY2022 us-gaap Earnings Per Share Diluted
EarningsPerShareDiluted
-2.37
CY2023Q4 us-gaap Capitalized Computer Software Accumulated Amortization
CapitalizedComputerSoftwareAccumulatedAmortization
119810000 usd
CY2022Q4 us-gaap Capitalized Computer Software Accumulated Amortization
CapitalizedComputerSoftwareAccumulatedAmortization
79679000 usd
CY2023Q4 us-gaap Capitalized Computer Software Net
CapitalizedComputerSoftwareNet
87267000 usd
CY2022Q4 us-gaap Capitalized Computer Software Net
CapitalizedComputerSoftwareNet
104124000 usd
CY2023 us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
31000000 usd
CY2022 us-gaap Capitalized Computer Software Additions
CapitalizedComputerSoftwareAdditions
51500000 usd
CY2023 us-gaap Capitalized Computer Software Impairments1
CapitalizedComputerSoftwareImpairments1
5600000 usd
CY2023Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
15658000 usd
CY2022Q4 us-gaap Finite Lived Intangible Assets Accumulated Amortization
FiniteLivedIntangibleAssetsAccumulatedAmortization
8249000 usd
CY2023Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
27468000 usd
CY2022Q4 us-gaap Finite Lived Intangible Assets Net
FiniteLivedIntangibleAssetsNet
35677000 usd
CY2023 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
7700000 usd
CY2022 us-gaap Amortization Of Intangible Assets
AmortizationOfIntangibleAssets
7900000 usd
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Next Twelve Months
FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths
7538000 usd
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Two
FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo
4929000 usd
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Three
FiniteLivedIntangibleAssetsAmortizationExpenseYearThree
4929000 usd
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Four
FiniteLivedIntangibleAssetsAmortizationExpenseYearFour
4929000 usd
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseYearFive
4780000 usd
CY2023Q4 us-gaap Finite Lived Intangible Assets Amortization Expense After Year Five
FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive
0 usd
CY2023Q4 oprt Finite Lived Intangible Asset Expected Amortization
FiniteLivedIntangibleAssetExpectedAmortization
27105000 usd
CY2023Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
48944000 usd
CY2022Q4 us-gaap Property Plant And Equipment Gross
PropertyPlantAndEquipmentGross
48212000 usd
CY2023Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
41953000 usd
CY2022Q4 us-gaap Accumulated Depreciation Depletion And Amortization Property Plant And Equipment
AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment
37688000 usd
CY2023Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
6991000 usd
CY2022Q4 us-gaap Property Plant And Equipment Net
PropertyPlantAndEquipmentNet
10524000 usd
CY2023Q4 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
15758000 usd
CY2022Q4 us-gaap Prepaid Expense Current And Noncurrent
PrepaidExpenseCurrentAndNoncurrent
24167000 usd
CY2023Q4 us-gaap Deferred Income Tax Assets Net
DeferredIncomeTaxAssetsNet
48123000 usd
CY2022Q4 us-gaap Deferred Income Tax Assets Net
DeferredIncomeTaxAssetsNet
1793000 usd
CY2023Q4 us-gaap Income Tax Receivable
IncomeTaxReceivable
4731000 usd
CY2022Q4 us-gaap Income Tax Receivable
IncomeTaxReceivable
8245000 usd
CY2023Q4 oprt Receivable From Banking Partner
ReceivableFromBankingPartner
4050000 usd
CY2022Q4 oprt Receivable From Banking Partner
ReceivableFromBankingPartner
2878000 usd
CY2023Q4 us-gaap Derivative Assets
DerivativeAssets
9307000 usd
CY2022Q4 us-gaap Derivative Assets
DerivativeAssets
725000 usd
CY2023Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
18720000 usd
CY2022Q4 us-gaap Other Assets Miscellaneous
OtherAssetsMiscellaneous
15848000 usd
CY2023Q4 us-gaap Other Assets
OtherAssets
107680000 usd
CY2022Q4 us-gaap Other Assets
OtherAssets
64180000 usd
CY2023 us-gaap Depreciation
Depreciation
4300000 usd
CY2022 us-gaap Depreciation
Depreciation
5200000 usd
CY2023Q4 us-gaap Line Of Credit Facility Maximum Borrowing Capacity
LineOfCreditFacilityMaximumBorrowingCapacity
700000000 usd
CY2023Q4 us-gaap Warehouse Agreement Borrowings
WarehouseAgreementBorrowings
289951000 usd
CY2022Q4 us-gaap Warehouse Agreement Borrowings
WarehouseAgreementBorrowings
317568000 usd
CY2023Q4 oprt Secured Debt At Amortized Cost
SecuredDebtAtAmortizedCost
581468000 usd
CY2023Q4 us-gaap Accounts Payable Current And Noncurrent
AccountsPayableCurrentAndNoncurrent
5288000 usd
CY2022Q4 us-gaap Accounts Payable Current And Noncurrent
AccountsPayableCurrentAndNoncurrent
9670000 usd
CY2023Q4 us-gaap Employee Related Liabilities Current And Noncurrent
EmployeeRelatedLiabilitiesCurrentAndNoncurrent
15359000 usd
CY2022Q4 us-gaap Employee Related Liabilities Current And Noncurrent
EmployeeRelatedLiabilitiesCurrentAndNoncurrent
12502000 usd
CY2023Q4 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
24791000 usd
CY2022Q4 us-gaap Accrued Liabilities And Other Liabilities
AccruedLiabilitiesAndOtherLiabilities
26193000 usd
CY2023Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
8415000 usd
CY2022Q4 us-gaap Interest Payable Current And Noncurrent
InterestPayableCurrentAndNoncurrent
8445000 usd
CY2023Q4 us-gaap Servicing Liability At Amortized Value Balance
ServicingLiabilityAtAmortizedValueBalance
4169000 usd
CY2022Q4 us-gaap Servicing Liability At Amortized Value Balance
ServicingLiabilityAtAmortizedValueBalance
3073000 usd
CY2023Q4 us-gaap Deferred Income Tax Liabilities Net
DeferredIncomeTaxLiabilitiesNet
0 usd
CY2022Q4 us-gaap Deferred Income Tax Liabilities Net
DeferredIncomeTaxLiabilitiesNet
30575000 usd
CY2023Q4 oprt Current Tax Liabilities Net
CurrentTaxLiabilitiesNet
7139000 usd
CY2022Q4 oprt Current Tax Liabilities Net
CurrentTaxLiabilitiesNet
5912000 usd
CY2023Q4 us-gaap Other Accrued Liabilities Current
OtherAccruedLiabilitiesCurrent
3777000 usd
CY2022Q4 us-gaap Other Accrued Liabilities Current
OtherAccruedLiabilitiesCurrent
3658000 usd
CY2023Q4 us-gaap Other Liabilities
OtherLiabilities
68938000 usd
CY2022Q4 us-gaap Other Liabilities
OtherLiabilities
100028000 usd
CY2023Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
100000000 shares
CY2022Q4 us-gaap Preferred Stock Shares Authorized
PreferredStockSharesAuthorized
100000000 shares
CY2022Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2023Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0 shares
CY2023Q4 us-gaap Preferred Stock Shares Outstanding
PreferredStockSharesOutstanding
0 shares
CY2022Q4 us-gaap Preferred Stock Shares Issued
PreferredStockSharesIssued
0 shares
CY2023Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
1000000000 shares
CY2022Q4 us-gaap Common Stock Shares Authorized
CommonStockSharesAuthorized
1000000000 shares
CY2022Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.0001
CY2023Q4 us-gaap Common Stock Par Or Stated Value Per Share
CommonStockParOrStatedValuePerShare
0.0001
CY2023Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
34741076 shares
CY2023Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
34469053 shares
CY2023Q4 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
272023 shares
CY2022Q4 us-gaap Common Stock Shares Issued
CommonStockSharesIssued
33626630 shares
CY2022Q4 us-gaap Common Stock Shares Outstanding
CommonStockSharesOutstanding
33354607 shares
CY2022Q4 us-gaap Treasury Stock Common Shares
TreasuryStockCommonShares
272023 shares
CY2023Q4 oprt Number Of Stockholder Approved Plan
NumberOfStockholderApprovedPlan
1 plan
us-gaap Stock Issued During Period Shares Employee Stock Purchase Plans
StockIssuedDuringPeriodSharesEmployeeStockPurchasePlans
0 shares
CY2023 oprt Employee Stock Ownership Plan Esop Number Of Additional Shares Authorized
EmployeeStockOwnershipPlanESOPNumberOfAdditionalSharesAuthorized
333546 shares
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Maximum Employee Subscription Rate
ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumEmployeeSubscriptionRate
0.15
CY2023 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Purchase Price Of Common Stock Percent
SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent
0.85
CY2023 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Purchase Price Of Common Stock Percent
SharebasedCompensationArrangementBySharebasedPaymentAwardPurchasePriceOfCommonStockPercent
0.85
CY2023 oprt Share Based Compensation Arrangement By Share Based Payment Award Options Exercise Period Upon Termination
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisePeriodUponTermination
P3M
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
3298538 shares
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
17.71
CY2022 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P5Y5M4D
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
202000 usd
CY2023 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Gross
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodGross
16210 shares
CY2023 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Grants In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageExercisePrice
5.78
CY2023 us-gaap Stock Issued During Period Shares Stock Options Exercised
StockIssuedDuringPeriodSharesStockOptionsExercised
182214 shares
CY2023 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice
4.41
CY2023 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriod
467333 shares
CY2023 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures And Expirations In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodWeightedAverageExercisePrice
20.16
CY2023 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Forfeitures In Period
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod
106048 shares
CY2023 us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Forfeitures In Period Weighted Average Exercise Price
ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice
14.74
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
2559153 shares
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice
18.25
CY2023 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Outstanding Weighted Average Remaining Contractual Term2
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2
P4Y3M21D
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
0 usd
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingNumber
2559153 shares
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageExercisePrice
18.25
CY2023 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Outstanding Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingWeightedAverageRemainingContractualTerm1
P4Y3M21D
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Vested And Expected To Vest Outstanding Aggregate Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestOutstandingAggregateIntrinsicValue
0 usd
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
2226861 shares
CY2023Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Weighted Average Exercise Price
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableWeightedAverageExercisePrice
18.80
CY2023 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Weighted Average Remaining Contractual Term1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableWeightedAverageRemainingContractualTerm1
P3Y10M20D
CY2023Q4 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
0 usd
CY2023 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
3.85
CY2022 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Grants In Period Weighted Average Grant Date Fair Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodWeightedAverageGrantDateFairValue
7.76
CY2023 oprt Proceeds Payments From Stock Options Exercised
ProceedsPaymentsFromStockOptionsExercised
-46000 usd
CY2022 oprt Proceeds Payments From Stock Options Exercised
ProceedsPaymentsFromStockOptionsExercised
-4636000 usd
CY2023 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
268000 usd
CY2022 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
11884000 usd
CY2023 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
3500000 usd
CY2022 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested In Period Fair Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedInPeriodFairValue1
3863000 usd
CY2023 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
800000 usd
CY2022 us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
1600000 usd
CY2023 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
800000 usd
CY2022 us-gaap Payments Related To Tax Withholding For Share Based Compensation
PaymentsRelatedToTaxWithholdingForShareBasedCompensation
6200000 usd
CY2023 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
18593000 usd
CY2022 us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
27620000 usd
CY2023 us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
1400000 usd
CY2022 us-gaap Employee Service Share Based Compensation Allocation Of Recognized Period Costs Capitalized Amount
EmployeeServiceShareBasedCompensationAllocationOfRecognizedPeriodCostsCapitalizedAmount
2500000 usd
CY2023 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
5100000 usd
CY2022 us-gaap Employee Service Share Based Compensation Tax Benefit From Compensation Expense
EmployeeServiceShareBasedCompensationTaxBenefitFromCompensationExpense
8100000 usd
CY2023 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount
3500000 usd
CY2022 us-gaap Effective Income Tax Rate Reconciliation Share Based Compensation Excess Tax Benefit Amount
EffectiveIncomeTaxRateReconciliationShareBasedCompensationExcessTaxBenefitAmount
3300000 usd
CY2023 us-gaap Defined Contribution Plan Employer Matching Contribution Percent
DefinedContributionPlanEmployerMatchingContributionPercent
0.04
CY2023 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
6200000 usd
CY2022 us-gaap Defined Contribution Plan Employer Discretionary Contribution Amount
DefinedContributionPlanEmployerDiscretionaryContributionAmount
6400000 usd
CY2023 oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
945118000 usd
CY2022 oprt Interest Income Loans Consumer
InterestIncomeLoansConsumer
854245000 usd
CY2023 oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
18378000 usd
CY2022 oprt Fee Income Loans Consumer
FeeIncomeLoansConsumer
21869000 usd
CY2023 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
963496000 usd
CY2022 us-gaap Interest And Fee Income Loans Consumer
InterestAndFeeIncomeLoansConsumer
876114000 usd
CY2023 us-gaap Gain Loss On Sale Of Notes Receivable
GainLossOnSaleOfNotesReceivable
8455000 usd
CY2022 us-gaap Gain Loss On Sale Of Notes Receivable
GainLossOnSaleOfNotesReceivable
5703000 usd
CY2023 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
14685000 usd
CY2022 us-gaap Contractually Specified Servicing Fees Amount
ContractuallySpecifiedServicingFeesAmount
19928000 usd
CY2023 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
25569000 usd
CY2022 us-gaap Revenue From Contract With Customer Excluding Assessed Tax
RevenueFromContractWithCustomerExcludingAssessedTax
31186000 usd
CY2023 oprt Interest On Members Accounts
InterestOnMembersAccounts
21075000 usd
CY2022 oprt Interest On Members Accounts
InterestOnMembersAccounts
3840000 usd
CY2023 us-gaap Other Income
OtherIncome
23639000 usd
CY2022 us-gaap Other Income
OtherIncome
15774000 usd
CY2023 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
93423000 usd
CY2022 us-gaap Noninterest Income Other Operating Income
NoninterestIncomeOtherOperatingIncome
76431000 usd
CY2023 us-gaap Income Loss From Continuing Operations Before Income Taxes Domestic
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
-261620000 usd
CY2022 us-gaap Income Loss From Continuing Operations Before Income Taxes Domestic
IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
-83793000 usd
CY2023 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign
7967000 usd
CY2022 us-gaap Income Loss From Continuing Operations Before Income Taxes Foreign
IncomeLossFromContinuingOperationsBeforeIncomeTaxesForeign
8507000 usd
CY2023 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
-253653000 usd
CY2022 us-gaap Income Loss From Continuing Operations Before Income Taxes Extraordinary Items Noncontrolling Interest
IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
-75286000 usd
CY2023 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
200000 usd
CY2022 us-gaap Current Federal Tax Expense Benefit
CurrentFederalTaxExpenseBenefit
-1217000 usd
CY2023 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
260000 usd
CY2022 us-gaap Current State And Local Tax Expense Benefit
CurrentStateAndLocalTaxExpenseBenefit
1505000 usd
CY2023 us-gaap Current Foreign Tax Expense Benefit
CurrentForeignTaxExpenseBenefit
2743000 usd
CY2022 us-gaap Current Foreign Tax Expense Benefit
CurrentForeignTaxExpenseBenefit
2227000 usd
CY2023 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
3203000 usd
CY2022 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
2515000 usd
CY2023 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-52885000 usd
CY2022 us-gaap Deferred Federal Income Tax Expense Benefit
DeferredFederalIncomeTaxExpenseBenefit
-712000 usd
CY2023 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
-23553000 usd
CY2022 us-gaap Deferred State And Local Income Tax Expense Benefit
DeferredStateAndLocalIncomeTaxExpenseBenefit
806000 usd
CY2023 us-gaap Deferred Foreign Income Tax Expense Benefit
DeferredForeignIncomeTaxExpenseBenefit
-467000 usd
CY2022 us-gaap Deferred Foreign Income Tax Expense Benefit
DeferredForeignIncomeTaxExpenseBenefit
-151000 usd
CY2023 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-76905000 usd
CY2022 us-gaap Deferred Income Taxes And Tax Credits
DeferredIncomeTaxesAndTaxCredits
-57000 usd
CY2023 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
-73702000 usd
CY2022 us-gaap Federal Income Tax Expense Benefit Continuing Operations
FederalIncomeTaxExpenseBenefitContinuingOperations
2458000 usd
CY2023 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-73700000 usd
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2500000 usd
CY2023 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.291
CY2022 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
-0.033
CY2023 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
-53267000 usd
CY2022 us-gaap Income Tax Reconciliation Income Tax Expense Benefit At Federal Statutory Income Tax Rate
IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate
-15810000 usd
CY2023 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
-19209000 usd
CY2022 us-gaap Income Tax Reconciliation State And Local Income Taxes
IncomeTaxReconciliationStateAndLocalIncomeTaxes
1403000 usd
CY2023 us-gaap Income Tax Reconciliation Foreign Income Tax Rate Differential
IncomeTaxReconciliationForeignIncomeTaxRateDifferential
603000 usd
CY2022 us-gaap Income Tax Reconciliation Foreign Income Tax Rate Differential
IncomeTaxReconciliationForeignIncomeTaxRateDifferential
289000 usd
CY2023 us-gaap Income Tax Reconciliation Tax Credits
IncomeTaxReconciliationTaxCredits
3030000 usd
CY2022 us-gaap Income Tax Reconciliation Tax Credits
IncomeTaxReconciliationTaxCredits
2621000 usd
CY2023 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost
2870000 usd
CY2022 us-gaap Income Tax Reconciliation Nondeductible Expense Share Based Compensation Cost
IncomeTaxReconciliationNondeductibleExpenseShareBasedCompensationCost
506000 usd
CY2023 us-gaap Income Tax Reconciliation Tax Contingencies
IncomeTaxReconciliationTaxContingencies
3038000 usd
CY2022 us-gaap Income Tax Reconciliation Tax Contingencies
IncomeTaxReconciliationTaxContingencies
1326000 usd
CY2023 oprt Effective Income Tax Rate Reconciliation Return To Provision Adjustment
EffectiveIncomeTaxRateReconciliationReturnToProvisionAdjustment
-5674000 usd
CY2022 oprt Effective Income Tax Rate Reconciliation Return To Provision Adjustment
EffectiveIncomeTaxRateReconciliationReturnToProvisionAdjustment
-5798000 usd
CY2023 us-gaap Income Tax Reconciliation Nondeductible Expense Impairment Losses
IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses
0 usd
CY2022 us-gaap Income Tax Reconciliation Nondeductible Expense Impairment Losses
IncomeTaxReconciliationNondeductibleExpenseImpairmentLosses
22779000 usd
CY2023 oprt Income Tax Reconciliation Fines And Penalties
IncomeTaxReconciliationFinesAndPenalties
14000 usd
CY2022 oprt Income Tax Reconciliation Fines And Penalties
IncomeTaxReconciliationFinesAndPenalties
578000 usd
CY2023 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
953000 usd
CY2022 us-gaap Income Tax Reconciliation Other Adjustments
IncomeTaxReconciliationOtherAdjustments
-194000 usd
CY2023 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
-73702000 usd
CY2022 us-gaap Income Tax Expense Benefit
IncomeTaxExpenseBenefit
2458000 usd
CY2023 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.291
CY2022 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
-0.033
CY2023Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
68677000 usd
CY2022Q4 us-gaap Deferred Tax Assets Operating Loss Carryforwards
DeferredTaxAssetsOperatingLossCarryforwards
41169000 usd
CY2023Q4 oprt Deferred Tax Assets Rightof Use Assets
DeferredTaxAssetsRightofUseAssets
7494000 usd
CY2022Q4 oprt Deferred Tax Assets Rightof Use Assets
DeferredTaxAssetsRightofUseAssets
10174000 usd
CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
6618000 usd
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Compensation And Benefits Share Based Compensation Cost
DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost
8335000 usd
CY2023Q4 oprt Deferred Tax Asset Capitalized Software
DeferredTaxAssetCapitalizedSoftware
5619000 usd
CY2022Q4 oprt Deferred Tax Asset Capitalized Software
DeferredTaxAssetCapitalizedSoftware
0 usd
CY2023Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals
3032000 usd
CY2022Q4 us-gaap Deferred Tax Assets Tax Deferred Expense Reserves And Accruals
DeferredTaxAssetsTaxDeferredExpenseReservesAndAccruals
3361000 usd
CY2023Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
972000 usd
CY2022Q4 us-gaap Deferred Tax Assets Other
DeferredTaxAssetsOther
245000 usd
CY2023Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
92412000 usd
CY2022Q4 us-gaap Deferred Tax Assets Gross
DeferredTaxAssetsGross
63284000 usd
CY2023Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
0 usd
CY2022Q4 us-gaap Deferred Tax Assets Valuation Allowance
DeferredTaxAssetsValuationAllowance
0 usd
CY2023Q4 oprt Deferred Tax Liabilities Fair Value Adjustment Bonds Payable
DeferredTaxLiabilitiesFairValueAdjustmentBondsPayable
24930000 usd
CY2022Q4 oprt Deferred Tax Liabilities Fair Value Adjustment Bonds Payable
DeferredTaxLiabilitiesFairValueAdjustmentBondsPayable
53210000 usd
CY2023Q4 oprt Deferred Tax Liabilities Fair Value Adjustments Loans Receivable
DeferredTaxLiabilitiesFairValueAdjustmentsLoansReceivable
7095000 usd
CY2022Q4 oprt Deferred Tax Liabilities Fair Value Adjustments Loans Receivable
DeferredTaxLiabilitiesFairValueAdjustmentsLoansReceivable
12077000 usd
CY2023Q4 us-gaap Deferred Tax Liabilities Leasing Arrangements
DeferredTaxLiabilitiesLeasingArrangements
5574000 usd
CY2022Q4 us-gaap Deferred Tax Liabilities Leasing Arrangements
DeferredTaxLiabilitiesLeasingArrangements
8163000 usd
CY2023Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
4232000 usd
CY2022Q4 us-gaap Deferred Tax Liabilities Property Plant And Equipment
DeferredTaxLiabilitiesPropertyPlantAndEquipment
6813000 usd
CY2023Q4 us-gaap Deferred Tax Liabilities Derivatives
DeferredTaxLiabilitiesDerivatives
2458000 usd
CY2022Q4 us-gaap Deferred Tax Liabilities Derivatives
DeferredTaxLiabilitiesDerivatives
0 usd
CY2023Q4 us-gaap Deferred Tax Liabilities Deferred Expense Capitalized Software
DeferredTaxLiabilitiesDeferredExpenseCapitalizedSoftware
0 usd
CY2022Q4 us-gaap Deferred Tax Liabilities Deferred Expense Capitalized Software
DeferredTaxLiabilitiesDeferredExpenseCapitalizedSoftware
11803000 usd
CY2023Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
44289000 usd
CY2022Q4 us-gaap Deferred Income Tax Liabilities
DeferredIncomeTaxLiabilities
92066000 usd
CY2023Q4 us-gaap Deferred Tax Assets Liabilities Net
DeferredTaxAssetsLiabilitiesNet
48123000 usd
CY2022Q4 us-gaap Deferred Tax Liabilities
DeferredTaxLiabilities
28782000 usd
CY2022Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
6608000 usd
CY2021Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
5170000 usd
CY2023 us-gaap Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions
1146000 usd
CY2022 us-gaap Unrecognized Tax Benefits Increases Resulting From Current Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromCurrentPeriodTaxPositions
894000 usd
CY2023 us-gaap Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions
1844000 usd
CY2022 us-gaap Unrecognized Tax Benefits Increases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsIncreasesResultingFromPriorPeriodTaxPositions
544000 usd
CY2023 us-gaap Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions
950000 usd
CY2022 us-gaap Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions
UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions
0 usd
CY2023Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
8648000 usd
CY2022Q4 us-gaap Unrecognized Tax Benefits
UnrecognizedTaxBenefits
6608000 usd
CY2023 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense
1200000 usd
CY2022 us-gaap Unrecognized Tax Benefits Income Tax Penalties And Interest Expense
UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestExpense
900000 usd
CY2022 us-gaap Income Tax Examination Penalties And Interest Expense
IncomeTaxExaminationPenaltiesAndInterestExpense
300000 usd
CY2023 us-gaap Income Tax Examination Penalties And Interest Expense
IncomeTaxExaminationPenaltiesAndInterestExpense
300000 usd
CY2023Q4 us-gaap Unrecognized Tax Benefits That Would Impact Effective Tax Rate
UnrecognizedTaxBenefitsThatWouldImpactEffectiveTaxRate
6800000 usd
CY2023Q4 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
2935487000 usd
CY2023Q4 oprt Loansand Leases Receivable Grossat Fair Value
LoansandLeasesReceivableGrossatFairValue
2962352000 usd
CY2022Q4 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
3130405000 usd
CY2022Q4 oprt Loansand Leases Receivable Grossat Fair Value
LoansandLeasesReceivableGrossatFairValue
3175449000 usd
CY2023Q4 us-gaap Secured Debt
SecuredDebt
1874406000 usd
CY2023Q4 oprt Secured Debt Fair Value
SecuredDebtFairValue
1780005000 usd
CY2022Q4 us-gaap Secured Debt
SecuredDebt
2582025000 usd
CY2022Q4 oprt Secured Debt Fair Value
SecuredDebtFairValue
2387674000 usd
CY2023Q4 us-gaap Derivative Assets
DerivativeAssets
9300000 usd
CY2023Q4 oprt Derivative Underlying Cash Flows
DerivativeUnderlyingCashFlows
12200000 usd
CY2022Q4 oprt Derivative Underlying Cash Flows
DerivativeUnderlyingCashFlows
0 usd
CY2023Q4 us-gaap Fair Value Option Loans Held As Assets90 Days Or More Past Due
FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue
5200000 usd
CY2023Q4 oprt Fair Value Option Principal Balanceof Loans Heldas Assets90 Daysor More Past Due
FairValueOptionPrincipalBalanceofLoansHeldasAssets90DaysorMorePastDue
41500000 usd
CY2022Q4 us-gaap Fair Value Option Loans Held As Assets90 Days Or More Past Due
FairValueOptionLoansHeldAsAssets90DaysOrMorePastDue
4100000 usd
CY2022Q4 oprt Fair Value Option Principal Balanceof Loans Heldas Assets90 Daysor More Past Due
FairValueOptionPrincipalBalanceofLoansHeldasAssets90DaysorMorePastDue
35200000 usd
CY2023 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Out Of Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersOutOfLevel3
0 usd
CY2023 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersIntoLevel3
0 usd
CY2022 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Out Of Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersOutOfLevel3
0 usd
CY2022 us-gaap Fair Value Net Derivative Asset Liability Measured On Recurring Basis Unobservable Inputs Reconciliation Transfers Into Level3
FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputsReconciliationTransfersIntoLevel3
0 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
12786000 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
10851000 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
4700000 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
1661000 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
435000 usd
CY2023Q4 oprt Lessee Operating Lease Liability To Be Paid Year Six
LesseeOperatingLeaseLiabilityToBePaidYearSix
40000 usd
CY2023Q4 oprt Lessee Operating Lease Liability To Be Paid After Year Six
LesseeOperatingLeaseLiabilityToBePaidAfterYearSix
0 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
30473000 usd
CY2023Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
2097000 usd
CY2023Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
28376000 usd
CY2023Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P2Y8M12D
CY2023Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0472
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Next Twelve Months
LesseeOperatingLeaseLiabilityPaymentsDueNextTwelveMonths
13879000 usd
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Two
LesseeOperatingLeaseLiabilityPaymentsDueYearTwo
11940000 usd
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Three
LesseeOperatingLeaseLiabilityPaymentsDueYearThree
9969000 usd
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Four
LesseeOperatingLeaseLiabilityPaymentsDueYearFour
3918000 usd
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due Year Five
LesseeOperatingLeaseLiabilityPaymentsDueYearFive
1032000 usd
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due After Year Five
LesseeOperatingLeaseLiabilityPaymentsDueAfterYearFive
25000 usd
CY2022Q4 us-gaap Lessee Operating Lease Liability Payments Due
LesseeOperatingLeaseLiabilityPaymentsDue
40763000 usd
CY2022Q4 us-gaap Lessee Operating Lease Liability Undiscounted Excess Amount
LesseeOperatingLeaseLiabilityUndiscountedExcessAmount
2816000 usd
CY2022Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
37947000 usd
CY2022Q4 us-gaap Operating Lease Weighted Average Remaining Lease Term1
OperatingLeaseWeightedAverageRemainingLeaseTerm1
P3Y2M12D
CY2022Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.0406
CY2023 us-gaap Operating Lease Expense
OperatingLeaseExpense
17400000 usd
CY2022 us-gaap Operating Lease Expense
OperatingLeaseExpense
18500000 usd
CY2023Q4 us-gaap Purchase Obligation Due In Next Twelve Months
PurchaseObligationDueInNextTwelveMonths
44800000 usd
CY2023Q4 us-gaap Purchase Obligation Due In Second Year
PurchaseObligationDueInSecondYear
26500000 usd
CY2023Q4 us-gaap Purchase Obligation Due In Third Year
PurchaseObligationDueInThirdYear
3300000 usd
CY2023Q4 us-gaap Purchase Obligation Due In Fourth Year
PurchaseObligationDueInFourthYear
1000000 usd
CY2023Q4 us-gaap Purchase Obligation Due After Fifth Year
PurchaseObligationDueAfterFifthYear
0 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
CY2022Q4 oprt Loan Sale Commitment Minimum Whole Loan Sale Program
LoanSaleCommitmentMinimumWholeLoanSaleProgram
2000000 usd
CY2022Q4 oprt Loan Sale Commitment Option Additional Sale Whole Loan Sale Program
LoanSaleCommitmentOptionAdditionalSaleWholeLoanSaleProgram
4000000 usd
CY2022Q4 oprt Loan Sale Commitment Option Additional Sale Period Whole Loan Sale Program
LoanSaleCommitmentOptionAdditionalSalePeriodWholeLoanSaleProgram
P1Y
CY2023Q4 us-gaap Other Commitment
OtherCommitment
32900000 usd
CY2022Q4 us-gaap Other Commitment
OtherCommitment
45000000 usd
CY2023Q1 us-gaap Class Of Warrant Or Right Number Of Securities Called By Each Warrant Or Right
ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight
4193453 shares
CY2023Q1 us-gaap Class Of Warrant Or Right Exercise Price Of Warrants Or Rights1
ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1
0.01

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