John Hecht

Brendan Michael McCarthy

Richard Shane

Vincent Caintic

Gowshihan Sriharan

Harold Goetsch

Goshi Sri

Hal Goetsch

Joichi Sakai

Kyle Joseph

- Oportun Financial Corporation entered into an **Amendment to its Program Agreement with Pathward, National Association** on **September 26, 2025**, which will result in Pathward ceasing to retain Oportun loans by the end of **February 2026**.  **[1538716_0001538716-25-000098_oprt-20250926.htm:1]** 
- Effective **October 1, 2025**, Oportun will purchase **100% of all loans originated by Pathward** under the program, eliminating retained loan balance obligations and the associated **derivative accounting**.  **[1538716_0001538716-25-000098_oprt-20250926.htm:1]** 
- The Company will make an **initial purchase of approximately $115 million** of Pathward's existing retained loan portfolio, scheduled to close on **October 3, 2025**, and expects to fund this using its existing warehouse facilities.  **[1538716_0001538716-25-000098_oprt-20250926.htm:1]**

Oportun Financial Amends Pathward Program Agreement and Acquires Loan Portfolio

- Oportun Financial achieved **GAAP profitability for the third consecutive quarter** in Q2 2025, reporting **$0.14 diluted EPS** and **$0.31 adjusted EPS**.  **[1538716_2147557_4]** 
- The company reiterated its full-year 2025 guidance, projecting **adjusted EPS of $1.20 to $1.40 per share** and **loan originations growth in the 10% range**.  **[1538716_2147557_5]** **[1538716_2147557_6]** 
- The secured personal loan portfolio demonstrated significant growth, increasing **58% year-over-year to $195 million** in Q2 2025, now comprising **7% of the total portfolio**.  **[1538716_2147557_1]** 
- Oportun continued to deleverage, reducing its debt-to-equity ratio to **7.3x** in Q2 2025, and successfully issued **$538 million in ABS notes at a 5.29% weighted average yield**.  **[1538716_2147557_5]**

Oportun Financial Reports Strong Q2 2025 Results and Reiterates Full-Year Guidance

Oportun Financial (OPRT)