Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 2.84% is 182% above its 5-year average of -3.44%, near the high end of its 5-year range (-233.07%–20.88%).
5.50% below its 12-month average of 3.01%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 3.64%.
NET PROFIT MARGIN
2.84%
NET PROFIT MARGIN AVG TTM
3.01%
NET PROFIT MARGIN AVG 3Y
-8.08%
NET PROFIT MARGIN AVG 5Y
-3.44%
NET PROFIT MARGIN AVG 10Y
1.80%
NET PROFIT MARGIN AVG 15Y
N/A
NET PROFIT MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-5.50%
CURRENT VS 3Y AVG
+135.16%
CURRENT VS 5Y AVG
+182.44%
CURRENT VS 10Y AVG
+57.47%
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
-78.49%
vs the sector median at left
Oportun Financial Corporation
Market Cap
$378.33M
Net Profit Margin
2.84%
TTM Avg
3.01%
3Y Avg
-8.08%
5Y Avg
-3.44%
Market Cap
$380.11M
Net Profit Margin
21.66%
TTM Avg
17.86%
3Y Avg
22.93%
5Y Avg
26.30%
Market Cap
$380.18M
Net Profit Margin
60.27%
TTM Avg
61.82%
3Y Avg
54.97%
5Y Avg
56.05%
Market Cap
$374.25M
Net Profit Margin
0.00%
TTM Avg
0.00%
3Y Avg
0.00%
5Y Avg
0.00%
Market Cap
$384.60M
Net Profit Margin
17.71%
TTM Avg
9.40%
3Y Avg
10.83%
5Y Avg
17.94%
Market Cap
$371.59M
Net Profit Margin
19.97%
TTM Avg
10.12%
3Y Avg
17.64%
5Y Avg
20.78%
Market Cap
$371.36M
Net Profit Margin
27.87%
TTM Avg
28.84%
3Y Avg
31.51%
5Y Avg
28.90%
Market Cap
$386.08M
Net Profit Margin
16.99%
TTM Avg
6.64%
3Y Avg
5.00%
5Y Avg
10.44%
Market Cap
$386.70M
Net Profit Margin
23.34%
TTM Avg
18.80%
3Y Avg
20.42%
5Y Avg
24.41%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| Oportun Financial Corporation (OPRT) | $378.33M | 2.84% | 3.01% | -8.08% | -3.44% |
| The First Bancorp, Inc. (FNLC)vs › | $380.11M | 21.66% | 17.86% | 22.93% | 26.30% |
| Value Line, Inc. (VALU)vs › | $380.18M | 60.27% | 61.82% | 54.97% | 56.05% |
| Siddhi Acquisition Corp (SDHI)vs › | $374.25M | 0.00% | 0.00% | 0.00% | 0.00% |
| MVB Financial Corp. (MVBF)vs › | $384.60M | 17.71% | 9.40% | 10.83% | 17.94% |
| Norwood Financial Corp. (NWFL)vs › | $371.59M | 19.97% | 10.12% | 17.64% | 20.78% |
| Northeast Community Bancorp, Inc. (NECB)vs › | $371.36M | 27.87% | 28.84% | 31.51% | 28.90% |
| Primis Financial Corp (FRST)vs › | $386.08M | 16.99% | 6.64% | 5.00% | 10.44% |
| Citizens Financial Services, Inc. (CZFS)vs › | $386.70M | 23.34% | 18.80% | 20.42% | 24.41% |
| GSR V Acquisition Corp. (GSRV)vs › | $368.74M | N/A | N/A | N/A | N/A |
Operating Margin
5.8%
Net Profit Margin
2.8%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 3.64% |
| 2026-03-31 | 1.68% |
| 2025-12-31 | 2.29% |
| 2025-09-30 | 3.22% |
| 2025-06-30 | 4.19% |
| 2025-03-31 | 5.98% |
| 2024-12-31 | 5.23% |
| 2024-09-30 | -25.31% |
| 2024-06-30 | -27.15% |
| 2024-03-31 | -19.78% |
| 2023-12-31 | -33.70% |
| 2023-09-30 | -16.00% |
| 2023-06-30 | -9.31% |
| 2023-03-31 | -233.07% |
| 2022-12-31 | -4.70% |
| 2022-09-30 | -60.94% |
| 2022-06-30 | -5.64% |
| 2022-03-31 | 20.88% |
| 2021-12-31 | 8.24% |
| 2021-09-30 | 15.31% |
| 2021-06-30 | 5.48% |
| 2021-03-31 | 2.44% |
| 2020-12-31 | 6.65% |
| 2020-09-30 | -5.64% |
| 2020-06-30 | -55.94% |
| 2020-03-31 | -13.72% |
| 2019-12-31 | 15.79% |
| 2019-09-30 | 7.74% |
| 2019-06-30 | 12.12% |
| 2019-03-31 | 12.94% |
| 2018-12-31 | 19.77% |
| 2018-09-30 | 17.14% |
| 2018-06-30 | 29.03% |
| 2018-03-31 | 28.02% |
| 2017-12-31 | -16.57% |
| 2017-09-30 | 0.97% |
| 2017-06-30 | 5.25% |
| 2017-03-31 | 6.66% |
