Oportun Financial Corporation (OPRT Quick QuoteOPRT - Free Report) reported $234.3 million in revenue for the quarter ended June 2025, representing a year-over-year decline of 6.4%. EPS of $0.31 for the same period compares to $0.08 a year ago.

The reported revenue represents a surprise of -2.14% over the Zacks Consensus Estimate of $239.43 million. With the consensus EPS estimate being $0.22, the EPS surprise was +40.91%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Oportun Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Revenue- Non-interest income: $16.1 million compared to the $14.94 million average estimate based on five analysts. The reported number represents a change of -15.3% year over year.
• Revenue- Interest income: $218.3 million versus $224.51 million estimated by five analysts on average. Compared to the year-ago quarter, this number represents a -5.7% change.
• Non-interest income- Servicing fees: $3.6 million compared to the $2.96 million average estimate based on two analysts. The reported number represents a change of +4.1% year over year.

View all Key Company Metrics for Oportun Financial here>>>

Shares of Oportun Financial have returned -11.5% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.