Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the operating margin high or low?
The operating margin of 5.83% is 174% above its 5-year average of -7.89%, near the high end of its 5-year range (-323.12%–26.37%).
1.90% above its 12-month average of 5.72%.
Reported quarterly operating margin; no daily interpolation. Q2 FY2026 (2026-06-30): 6.69%.
OPERATING MARGIN
5.83%
OPERATING MARGIN AVG TTM
5.72%
OPERATING MARGIN AVG 3Y
-11.19%
OPERATING MARGIN AVG 5Y
-7.89%
OPERATING MARGIN AVG 10Y
4.53%
OPERATING MARGIN AVG 15Y
N/A
OPERATING MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
+1.90%
CURRENT VS 3Y AVG
+152.09%
CURRENT VS 5Y AVG
+173.90%
CURRENT VS 10Y AVG
+28.82%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
16.32%
median of 616 covered companies
CURRENT VS SECTOR MEDIAN
-64.28%
vs the sector median at left
Oportun Financial Corporation
Market Cap
$378.47M
Operating Margin
5.83%
TTM Avg
5.72%
3Y Avg
-11.19%
5Y Avg
-7.89%
Market Cap
$381.12M
Operating Margin
23.76%
TTM Avg
21.66%
3Y Avg
27.82%
5Y Avg
31.78%
Market Cap
$373.54M
Operating Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$373.02M
Operating Margin
39.45%
TTM Avg
40.36%
3Y Avg
43.98%
5Y Avg
39.48%
Market Cap
$371.97M
Operating Margin
25.49%
TTM Avg
12.91%
3Y Avg
22.18%
5Y Avg
25.89%
Market Cap
$384.21M
Operating Margin
13.63%
TTM Avg
12.61%
3Y Avg
11.97%
5Y Avg
21.18%
Market Cap
$385.96M
Operating Margin
21.59%
TTM Avg
5.92%
3Y Avg
4.85%
5Y Avg
10.93%
Market Cap
$386.12M
Operating Margin
28.62%
TTM Avg
23.01%
3Y Avg
24.91%
5Y Avg
29.68%
| NAME | MARKET CAP | OPERATING MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Oportun Financial Corporation (OPRT) | $378.47M | 5.83% | 5.72% | -11.19% | -7.89% |
| The First Bancorp, Inc. (FNLC)vs › | $381.12M | 23.76% | 21.66% | 27.82% | 31.78% |
| Siddhi Acquisition Corp (SDHI)vs › | $373.54M | 0.00% | 0.00% | 0.00% | 0.00% |
| Northeast Community Bancorp, Inc. (NECB)vs › | $373.02M | 39.45% | 40.36% | 43.98% | 39.48% |
| Norwood Financial Corp. (NWFL)vs › | $371.97M | 25.49% | 12.91% | 22.18% | 25.89% |
| MVB Financial Corp. (MVBF)vs › | $384.21M | 13.63% | 12.61% | 11.97% | 21.18% |
| Primis Financial Corp (FRST)vs › | $385.96M | 21.59% | 5.92% | 4.85% | 10.93% |
| Citizens Financial Services, Inc. (CZFS)vs › | $386.12M | 28.62% | 23.01% | 24.91% | 29.68% |
| GSR V Acquisition Corp. (GSRV)vs › | $367.25M | N/A | N/A | N/A | N/A |
| Berto Acquisition Corp. II (GUAC)vs › | $390.33M | N/A | N/A | N/A | N/A |
Operating Margin
5.8%
Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Operating Margin = Operating Income / Revenue
Operating margin is the percentage of revenue remaining after operating expenses, reflecting operating efficiency.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | OPERATING MARGIN |
|---|---|
| 2026-06-30 | 6.69% |
| 2026-03-31 | 2.52% |
| 2025-12-31 | 4.43% |
| 2025-09-30 | 8.81% |
| 2025-06-30 | 6.16% |
| 2025-03-31 | 8.06% |
| 2024-12-31 | 2.34% |
| 2024-09-30 | -33.34% |
| 2024-06-30 | -43.01% |
| 2024-03-31 | -22.81% |
| 2023-12-31 | -46.15% |
| 2023-09-30 | -28.29% |
| 2023-06-30 | -10.91% |
| 2023-03-31 | -323.12% |
| 2022-12-31 | -4.42% |
| 2022-09-30 | -64.71% |
| 2022-06-30 | -7.81% |
| 2022-03-31 | 26.37% |
| 2021-12-31 | 12.15% |
| 2021-09-30 | 18.74% |
| 2021-06-30 | 7.41% |
| 2021-03-31 | 3.21% |
| 2020-12-31 | 11.45% |
| 2020-09-30 | -7.32% |
| 2020-06-30 | -76.60% |
| 2020-03-31 | -18.58% |
| 2019-12-31 | 21.24% |
| 2019-09-30 | 11.13% |
| 2019-06-30 | 16.61% |
| 2019-03-31 | 17.68% |
| 2018-12-31 | 27.23% |
| 2018-09-30 | 23.91% |
| 2018-06-30 | 40.13% |
| 2018-03-31 | 38.27% |
| 2017-12-31 | -4.35% |
| 2017-09-30 | -0.60% |
| 2017-06-30 | 9.15% |
| 2017-03-31 | 11.64% |
