Oportun Financial Corp Earnings Per Share Disclosure
| 3. | Earnings (Loss) per Share | ||||
| Year Ended December 31, | ||||||||||||||
| (in thousands, except share and per share data) | 2025 | 2024 | ||||||||||||
| Net income (loss) | $ | 25,246 | $ | (78,682) | ||||||||||
| Net income (loss) attributable to common stockholders | $ | 25,246 | $ | (78,682) | ||||||||||
Basic weighted-average common shares outstanding (1) | 46,418,934 | 40,356,025 | ||||||||||||
| Weighted average effect of dilutive securities: | ||||||||||||||
| Stock options | — | — | ||||||||||||
| Restricted stock units | 1,439,697 | — | ||||||||||||
| Diluted weighted-average common shares outstanding | 47,858,631 | 40,356,025 | ||||||||||||
| Earnings (loss) per share: | ||||||||||||||
| Basic | $ | 0.54 | $ | (1.95) | ||||||||||
| Diluted | $ | 0.53 | $ | (1.95) | ||||||||||
| Year Ended December 31, | ||||||||||||||
| 2025 | 2024 | |||||||||||||
| Stock options | 1,638,792 | 2,192,211 | ||||||||||||
| Restricted stock units | 1,457,851 | 4,360,532 | ||||||||||||
| Total anti-dilutive common share equivalents | 3,096,643 | 6,552,743 | ||||||||||||
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Historical Timeline
| Fiscal Year | Filed | |
|---|---|---|
| 2025 | Feb 27, 2026 | Showing above |
| 2024 | Feb 20, 2025 | |
| 2023 | Mar 15, 2024 | |
| 2022 | Mar 14, 2023 | |
| 2021 | Mar 1, 2022 | |
| 2020 | Feb 23, 2021 | |
About Earnings Per Share Disclosures
The earnings per share disclosure breaks down the calculation from net income to both basic and diluted EPS, revealing the full impact of a company's capital structure on per-share economics. The reconciliation between basic and diluted share counts exposes how many stock options, RSUs, convertible securities, and warrants are potentially dilutive to existing shareholders.
Key signals: a widening gap between basic and diluted shares indicates growing dilution from equity compensation or convertible instruments. Anti-dilutive securities excluded from the diluted calculation deserve attention — they represent latent dilution that will materialize if the stock price rises. Watch for the effect of share buybacks on per-share metrics: EPS growth driven primarily by repurchases rather than income growth signals weakening fundamentals. Compare year-over-year changes in the diluted share count against equity compensation expense to assess whether management is effectively managing dilution.