OPORTUN FINANCIAL CORPORATION (OPRT) Spending and interest coverage
- R&D / revenue · 12 months: Value (m); Formula and calculation Research and development expense / revenue. Period ending 2026-06-30..
- Stock-based compensation / revenue · 12 months: Value 63.38%; Formula and calculation Share-based compensation / revenue. Period ending 2026-06-30..
- Interest coverage · 12 months: Value (m); Formula and calculation Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified..
Spending and interest coverage
Overview →Financial period ending 2026-06-30; current quote (m). Amounts retain their stated periods and units.
| Metric | Value | Formula and calculation |
|---|---|---|
| R&D / revenue · 12 months | (m) | Research and development expense / revenue. Period ending 2026-06-30. Calculation unavailable: missing inputs remain (m). |
| Stock-based compensation / revenue · 12 months | 63.38% | Share-based compensation / revenue. Period ending 2026-06-30. $12.23M ÷ $19.30M × 100 ≈ 63.38% |
| Interest coverage · 12 months | (m) | Estimated: average term debt × dated USD coupon proxy + average commercial paper × matching-currency disclosed rate at or before period end. Swaps, foreign-exchange, lease interest and amortization are not quantified. Calculation unavailable: missing inputs remain (m). |
Calculation inputs
| Input | Amount with unit | Raw financial data |
|---|---|---|
| Research and development spending | (m) | |
| Revenue | 19.30M USD | Revenue from Contract with Customer, Excluding Assessed Tax |
| Stock-based compensation | 12.23M USD | Share-based Payment Arrangement, Noncash Expense |
| Operating income | (m) | |
| Interest expense · reported / estimated | (m) | · Estimated expense assumptions |
Latest interest expense basis: (m). Estimated values carry *; expand each history row’s basis for its dated balances and rate assumptions.
Calculated history
Changes compare with the next older row (previous quarter), unless explicitly labeled otherwise. Rolling 12-month growth compares two successive quarter-end rolling totals; it is not year-over-year growth.
| Period ending | Research and development spending (USD) | Revenue (USD) | Stock-based compensation (USD) | Operating income (USD) | Interest expense · reported / estimated (USD) | R&D / revenue | SBC / revenue | Interest coverage | Interest expense basis |
|---|---|---|---|---|---|---|---|---|---|
| 2026-06-30 | (m) | $19.30M | $12.23M | (m) | (m) | (m) | 63.38% | (m) | (m) |
| 2026-03-31 | (m) | $18.97M | $12.00M | (m) | (m) | (m) | 63.24% | (m) | (m) |
| 2025-12-31 | (m) | $19.46M | $10.69M | (m) | (m) | (m) | 54.90% | (m) | (m) |
| 2025-09-30 | (m) | $19.18M | $10.88M | (m) | (m) | (m) | 56.70% | (m) | (m) |
| 2025-06-30 | (m) | $20.60M | $11.60M | (m) | (m) | (m) | 56.34% | (m) | (m) |
| 2025-03-31 | (m) | $21.19M | $11.84M | (m) | (m) | (m) | 55.86% | (m) | (m) |
| 2024-12-31 | (m) | $22.67M | $12.99M | (m) | (m) | (m) | 57.30% | (m) | (m) |
| 2024-09-30 | (m) | $24.46M | $15.03M | (m) | (m) | (m) | 61.43% | (m) | (m) |
| 2024-06-30 | (m) | $24.35M | $16.17M | (m) | (m) | (m) | 66.42% | (m) | (m) |
| 2024-03-31 | (m) | $25.21M | $17.70M | (m) | (m) | (m) | 70.20% | (m) | (m) |
| 2023-12-31 | (m) | $25.57M | $18.59M | (m) | (m) | (m) | 72.72% | (m) | (m) |
| 2023-09-30 | (m) | $26.48M | $20.58M | (m) | (m) | (m) | 77.72% | (m) | (m) |
| 2023-06-30 | (m) | $27.82M | $23.27M | (m) | (m) | (m) | 83.63% | (m) | (m) |
| 2023-03-31 | (m) | $28.72M | $25.73M | (m) | (m) | (m) | 89.56% | (m) | (m) |
| 2022-12-31 | (m) | $31.19M | $27.62M | (m) | (m) | (m) | 88.57% | (m) | (m) |
| 2022-09-30 | (m) | $884.73M | $25.07M | (m) | (m) | (m) | 2.83% | (m) | (m) |
| 2022-06-30 | (m) | $793.74M | $22.11M | (m) | (m) | (m) | 2.78% | (m) | (m) |
| 2022-03-31 | (m) | $706.19M | $20.54M | (m) | (m) | (m) | 2.91% | (m) | (m) |
| 2021-12-31 | (m) | $626.78M | $18.86M | (m) | (m) | (m) | 3.01% | (m) | (m) |
| 2021-09-30 | (m) | $573.48M | $19.71M | (m) | (m) | (m) | 3.44% | (m) | (m) |
| 2021-06-30 | (m) | $551.17M | $20.82M | (m) | (m) | (m) | 3.78% | (m) | (m) |
| 2021-03-31 | (m) | $555.62M | $20.43M | (m) | (m) | (m) | 3.68% | (m) | (m) |
| 2020-12-31 | (m) | $583.73M | $19.49M | (m) | (m) | (m) | 3.34% | (m) | (m) |
| 2020-09-30 | (m) | $608.25M | $18.32M | (m) | (m) | (m) | 3.01% | (m) | (m) |
| 2020-06-30 | (m) | $625.36M | $24.29M | (m) | (m) | (m) | 3.88% | (m) | (m) |
| 2020-03-31 | (m) | $625.25M | $21.35M | (m) | (m) | (m) | 3.42% | (m) | (m) |
| 2019-12-31 | (m) | $600.15M | $19.18M | (m) | (m) | (m) | 3.20% | (m) | (m) |
| 2019-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2019-06-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2019-03-31 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2018-12-31 | (m) | $497.58M | $6.77M | (m) | (m) | (m) | 1.36% | (m) | (m) |
| 2018-09-30 | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) | (m) |
| 2017-12-31 | (m) | $360.95M | $5.71M | (m) | (m) | (m) | 1.58% | (m) | (m) |
(m) means missing inputs. Historical market-based ratios use the saved close on or immediately before period ending and that period’s reported shares; current quotes are not substituted. Five-year projections repeat historical CAGR, not analyst forecasts.
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