Oportun Financial

OPRT

Market cap $233M

Oportun Financial remains a Buy as the stock trades at a 25% discount to tangible book value despite steady profitability. OPRT posted its fourth consecutive profitable quarter, with improved capital structure, reduced cost of capital, and lower operating expenses. Management is proactively preparing for macroeconomic stress by prioritizing secured loans and maintaining a cautious approach to loan sizes.

The Oportun 2025 Holiday Savings Report highlights rising participation in automated Set & Save™ accounts and stronger household preparedness for a potentially more expensive holiday season The Oportun 2025 Holiday Savings Report highlights rising participation in automated Set & Save™ accounts and stronger household preparedness for a potentially more expensive holiday season

SAN CARLOS, Calif., Nov. 19, 2025 (GLOBE NEWSWIRE) -- Oportun  (Nasdaq: OPRT) today shared results from its 2025 Holiday Savings Report showing that Americans are saving more aggressively for this year's holiday season.

Oportun Financial Corporation ( OPRT ) Q3 2025 Earnings Call November 4, 2025 5:00 PM EST Company Participants Raul Vazquez - President, CEO & Director Dorian Hare - Senior Vice President of Investor Relations Paul Appleton - Treasurer & Head of Capital Markets Conference Call Participants Brendan Michael McCarthy - Sidoti & Company, LLC John Hecht - Jefferies LLC, Research Division Richard Shane - JPMorgan Chase & Co, Research Division Presentation Operator " Raul Vazquez President, CEO & Director " Dorian Hare Senior Vice President of Investor Relations " Paul Appleton Treasurer & Head of Capital Markets " Brendan Michael McCarthy Sidoti & Company, LLC " Sidoti & Company, LLC John Hecht Jefferies LLC, Research Division " Jefferies LLC, Research Division Richard Shane JPMorgan Chase & Co, Research Division " JPMorgan Chase & Co, Research Division Operator Greetings, and welcome to the Oportun Financial Third Quarter 2025 Earnings Call. [Operator Instructions] As a reminder, this conference is being recorded.

Oportun Financial Corporation (OPRT) came out with quarterly earnings of $0.39 per share, beating the Zacks Consensus Estimate of $0.26 per share. This compares to earnings of $0.02 per share a year ago.

Meets or exceeds all third quarter guidance metrics GAAP Net income of $5.2 million reflects $35 million year-over-year improvement GAAP EPS of $0.11 , up $0.86 versus prior-year period Adjusted EPS of $0.39 , up sharply versus $0.02 in 3Q24 Operating expenses reduced 11% year-over-year, supporting continued margin expansion   SAN CARLOS, Calif., Nov. 04, 2025 (GLOBE NEWSWIRE) -- Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") today reported financial results for the third quarter ended September 30, 2025.

Oportun Financial (OPRT) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

SAN CARLOS, Calif., Oct. 21, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, will release financial results for its third quarter 2025 on Tuesday, November 4, 2025, after market close.

5.77% average yield, demonstrates Oportun's continued access to low-cost funding  Third consecutive transaction with AAA rating on most senior bonds SAN CARLOS, Calif., Oct. 20, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the issuance of $441 million of two-year revolving fixed rate asset-backed notes secured by a pool of unsecured and secured installment loans.

Adds a new $247 million warehouse facility with Citizens Financial Group, Inc. and Community Investment Management Extends the term of an existing warehouse facility with Goldman Sachs and Jefferies by 12 months Increases weighted average remaining term of combined warehouse facilities from 17 months to 25 months Proactively paid down $17.5 million of higher cost corporate debt in October, resulting in $50 million of total corporate debt paid down since October 2024 SAN CARLOS, Calif., Oct. 14, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced several enhancements to its debt capital structure: The closing of a new $247 million, three-year revolving term committed warehouse facility with Citizens Financial Group, Inc., as senior lender and Community Investment Management, as mezzanine lender.