Oportun Financial (OPRT) Company Report

Analyst Earnings Quarterly Reports

Earnings summaries and quarterly performance for Oportun Financial.

Analyst Coverage

Research analysts who have asked questions during Oportun Financial earnings calls.

Brendan Michael McCarthy

Sidoti & Company, LLC

5 questions for OPRT

Also covers: AGM, ALEX, BENF +5 more

John Hecht

Jefferies

4 questions for OPRT

Also covers: AFRM, ARCC, BFH +25 more

Hal Goetsch

B. Riley Securities

3 questions for OPRT

Also covers: BTM, CPIG, ML +5 more

Richard Shane

JPMorgan Chase & Co.

3 questions for OPRT

Also covers: ABR, ACRE, ACT +21 more

Vincent Caintic

Stephens Inc.

3 questions for OPRT

Also covers: AFRM, BFH, CRMT +9 more

Gowshihan Sriharan

Singular Research

2 questions for OPRT

Also covers: APOG, CNDT, FTK +6 more

Harold Goetsch

B. Riley Securities

2 questions for OPRT

Also covers: ANTA, BTM, CCRD +10 more

Zach Milam

Citizens

2 questions for OPRT

Gowshi Sri

Singular Research

1 question for OPRT

Also covers: APOG, CNDT, HBB +1 more

Joichi Sakai

Singular Research

1 question for OPRT

Also covers: AE, APOG, FSTR +5 more

Kyle Joseph

Jefferies

1 question for OPRT

Also covers: AFRM, CACC, CRMT +14 more

Latest news

Recent press releases and 8-K filings for OPRT.

Oportun Financial Announces Q4 and Full Year 2025 Results, 2026 Outlook, and CEO Transition

OPRT

Earnings

Guidance Update

CEO Change

Oportun Financial reported $3.4 million in GAAP net income for Q4 2025 and $25 million for the full year 2025, marking a $104 million improvement from 2024, with full-year adjusted EPS growing 89% to $1.36.
The company demonstrated strong operational discipline, with Q4 operating expenses at $84 million, its lowest as a public company, contributing to a 12% reduction in full-year GAAP operating expenses to $362 million from 2024.
Oportun reduced its debt-to-equity ratio to 7.2 times by year-end 2025 and repaid $70 million of its high-cost corporate debt, while also increasing total committed warehouse capacity to $1.14 billion.
For full year 2026, the company projects 16% adjusted EPS growth at the midpoint, with total revenue between $935 million-$955 million and an annualized net charge-off rate of 11.9% \u00b150 basis points.
CEO Raul Vazquez will step down by April 3rd, 2026, and will serve as an advisor through July 3rd to ensure a smooth transition.

1 day ago

Transcript

Oportun Financial Reports Strong Q4 2023 Results, Issues 2024 Guidance, and Announces CEO Transition

OPRT

Earnings

Guidance Update

CEO Change

Oportun Financial reported $3.4 million in GAAP net income for Q4 2023 and $25 million for the full year 2023, with full-year adjusted EPS growing 89% to $1.36.
The company provided full-year 2024 guidance, projecting total revenue of $935 million-$955 million, an annualized net charge-off rate of 11.9% ±50 basis points, and adjusted EPS growth of 16% at the midpoint to $1.50-$1.65. Q1 2024 is expected to be the peak quarterly net charge-off rate at 12.65% ±15 basis points, with moderation anticipated from Q2 onwards.
Oportun is exploring the reintroduction of risk-based pricing above 36% APRs for select higher-risk segments on shorter-term loans, with modest incremental profitability expected in the second half of 2024 and higher earnings power in 2025 and beyond.
Raul Vazquez, Chief Executive Officer, will step down by April 3rd, 2024, and will serve as an advisor through July 3rd, 2024, to support a smooth transition.
The company continued its balance sheet optimization initiatives, reducing corporate debt by $70 million in 2023, including $37.5 million in Q4, and increased unrestricted cash to $106 million by year-end 2023.

1 day ago

Transcript

Oportun Financial Reports Strong Q4 2025 Results, Provides 2026 Guidance, and Announces CEO Transition

OPRT

Earnings

Guidance Update

CEO Change

Oportun Financial reported GAAP net income of $3.4 million for Q4 2025 and $25 million for the full year 2025, with full-year adjusted EPS growing 89% to $1.36. The annualized net charge-off rate was 12.3% in Q4 2025, and operating expenses of $84 million in Q4 2025 marked the lowest quarterly spend as a public company.
The company reduced corporate debt by $70 million in 2025, including $37.5 million in Q4, and completed a $485 million ABS transaction at a 5.32% weighted average yield. Oportun is also exploring the reintroduction of risk-based pricing above 36% APRs for select higher-risk segments, with modest incremental profitability expected in the second half of 2026 and higher earnings power in 2027 and beyond.
For full year 2026, Oportun expects total revenue between $935 million and $955 million, an annualized net charge-off rate of 11.9% ±50 basis points, adjusted EBITDA of $150 million-$165 million, and adjusted EPS of $1.50-$1.65. The company anticipates lowering interest expense by more than 10% and maintaining substantially flat operating expenses.
Raul Vazquez will step down as Chief Executive Officer and from the board by April 3rd, 2026, after nearly 14 years in the role, and will serve as an advisor through July 3rd to support a smooth transition.

1 day ago

Transcript

Oportun Financial Corp Reports Strong Fourth Quarter and Full Year 2025 Results

OPRT

Earnings

Guidance Update

Oportun achieved its fifth consecutive quarter of GAAP profitability and reported a full year 2025 GAAP net income increase of $104 million.
For the full year 2025, GAAP EPS was $0.53 and Adjusted EPS grew 89% to $1.36. Total revenue for the full year was $957 million.
The company met or outperformed all fourth quarter and full year guidance metrics for 2025.
Oportun provided full year 2026 Adjusted EPS guidance between $1.50 and $1.65, representing 11% to 21% year-over-year growth.
Full year 2025 originations grew 10% to $2.0 billion, and operating expenses decreased 12% compared to 2024.

1 day ago

8-K

Oportun Announces $485 Million Asset-Backed Securitization and Corporate Debt Repayments

OPRT

Debt Issuance

Oportun issued $485 million of two-year revolving fixed rate asset-backed notes on February 9, 2026, with a weighted average yield of 5.32%.
The weighted average yield of 5.32% for this 2026-A Securitization was 45 basis points lower than the prior October 2025 ABS transaction, marking the fourth consecutive sub-6% ABS transaction.
The company repaid $37.5 million of corporate debt during the fourth quarter of 2025, contributing to a total of $70 million in corporate debt repayments for the full year 2025.

Feb 10, 2026, 9:48 PM

8-K

Oportun Announces $485 Million Asset-Backed Securitization and Corporate Debt Repayments

OPRT

Debt Issuance

Oportun issued $485 million of two-year revolving fixed rate asset-backed notes with a weighted average yield of 5.32%.
This transaction's yield was 45 basis points lower than the prior October 2025 ABS transaction, representing the fourth consecutive sub-6% ABS transaction.
The company has raised over $1.9 billion of capital through the ABS market in the last 9 months at sub-6% yields.
Oportun repaid $70 million of corporate debt in 2025, including $37.5 million in the fourth quarter.

Feb 9, 2026, 11:11 PM

Press Release

Oportun Financial Announces CEO Transition and Preliminary 2025 Results

OPRT

CEO Change

Guidance Update

Earnings

Raul Vazquez will step down as CEO and Board member of Oportun Financial Corporation no later than April 3, 2026, with a search for his successor currently underway.
The company announced preliminary unaudited financial and operating results for the fourth quarter and full year ended December 31, 2025, and expects to meet or outperform each of its year-end 2025 guidance metrics.
For Q4 2025, preliminary results indicate Total Revenue between $246 million and $248 million, Net Income between $1 million and $3 million, and Adjusted EPS between $0.23 and $0.27.
For Full Year 2025, preliminary results indicate Total Revenue between $955 million and $957 million, Net Income between $23 million and $25 million, and Adjusted EPS between $1.32 and $1.36.
These preliminary results are unaudited, based on management's estimates, and are subject to revision in connection with Oportun's financial closing procedures.

Jan 21, 2026, 9:05 PM

Press Release

Oportun Financial Reports Strong Q3 2025 Results and Raises Full-Year Adjusted EPS Guidance

OPRT

Guidance Update

Earnings

Debt Issuance

Oportun Financial reported Q3 2025 revenue of $239 million and adjusted EPS of $0.39, marking its fourth consecutive quarter of GAAP profitability.
The company raised its full-year 2025 Adjusted EPS guidance by 4% at the midpoint to $1.30-$1.40 per share, projecting 81%-94% growth year-over-year, and expects further Adjusted EPS growth in 2026.
Strategic initiatives include tightening credit, with 70% of Q3 originations from existing members , and significant growth in Secured Personal Loans (SPL), which now represent 8% of the portfolio and have 500 basis points lower credit losses than unsecured loans.
Oportun has strengthened its capital structure by reducing its debt to equity ratio from 7.3 times to 7.1 times quarter-over-quarter and achieving sub-6% funding costs on recent ABS transactions.
The company achieved an Adjusted ROE of 20% in Q3, a 19 percentage point year-over-year improvement, and aims for long-term ROE targets of 20%-28%.

Dec 10, 2025, 9:00 PM

Transcript

Oportun Financial Reports Q3 2025 Profitability and Raises Full-Year EPS Guidance

OPRT

Earnings

Guidance Update

Revenue Acceleration/Inflection

Oportun Financial reported its fourth consecutive quarter of GAAP profitability in Q3 2025, with $5.2 million in net income and $0.11 diluted EPS, and $0.39 adjusted EPS.
The company raised its full-year 2025 Adjusted EPS guidance by 4% at the midpoint to $1.30-$1.40 per share, projecting 81%-94% year-over-year growth, and expects further Adjusted EPS growth in 2026.
Originations increased 7% year-over-year to $512 million in Q3 2025, driven by strong growth in secured personal loans, which now comprise 8% of the portfolio.
Oportun is actively strengthening its capital structure, reducing its debt-to-equity ratio from 7.3x to 7.1x in Q3 2025 and repaying $50 million of high-cost corporate debt.
Management anticipates slightly elevated loss rates in Q4 2025 and Q1 2026, primarily due to a mix shift, but expects these to ease by Q2 2026 as credit tightening measures take effect.

Dec 10, 2025, 9:00 PM

Transcript

Oportun Financial Reports Strong Q3 2025 Results and Raises Full-Year Adjusted EPS Guidance

OPRT

Earnings

Guidance Update

Debt Issuance

Oportun Financial reported strong Q3 2025 results, including $239 million in total revenue, $5.2 million in GAAP net income, and $0.39 in Adjusted EPS, marking its fourth consecutive quarter of GAAP profitability and seventh consecutive quarter of adjusted profitability.
The company raised its full-year 2025 Adjusted EPS guidance to $1.30-$1.40 per share, representing 81%-94% year-over-year growth, and anticipates further Adjusted EPS growth in 2026.
Oportun is actively strengthening its capital structure by deleveraging, reducing its debt-to-equity ratio from 7.3 times to 7.1 times in Q3, and repaying $50 million of high-cost corporate debt since October 2024, leading to an annualized interest expense reduction of $7.5 million.
Credit performance shows improvement with the front book of loans outperforming older vintages, though the company expects a temporary elevated net charge-off rate of 12.45% at the midpoint for Q4 2025, easing by Q2 2026 due to prior originations mix and recent tightening.
Strategic focus includes shifting originations to existing members (70% in Q3) and growing Secured Personal Loans, which now represent 8% of the portfolio and have 500 basis points lower credit losses than unsecured loans.