The Oportun 2025 Holiday Savings Report highlights rising participation in automated Set & Save™ accounts and stronger household preparedness for a potentially more expensive holiday seasonSAN 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. Having saved over $6.5 million so far this year, a 30% increase from 2024, consumers appear to be budget ...

The Oportun 2025 Holiday Savings Report highlights rising participation in automated Set & Save™ accounts and stronger household preparedness for a potentially more expensive holiday seasonSAN 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. Having saved over $6.5 million so far this year, a 30% increase from 2024, consumers appear to be budget ...

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Core Viewpoint - Oportun Financial Corporation reported quarterly earnings of $0.39 per share, significantly exceeding the Zacks Consensus Estimate of $0.26 per share, and showing a substantial increase from $0.02 per share a year ago, indicating strong financial performance [1][2]. Financial Performance - The company achieved revenues of $238.7 million for the quarter ended September 2025, slightly missing the Zacks Consensus Estimate by 0.06%, and down from $250 million in the same quarter last year [2]. - Over the last four quarters, Oportun Financial has consistently surpassed consensus EPS estimates, achieving this four times [2]. Stock Performance - Oportun Financial shares have increased approximately 38.1% since the beginning of the year, outperforming the S&P 500's gain of 16.5% [3]. - The stock currently holds a Zacks Rank of 3 (Hold), indicating expected performance in line with the market in the near future [6]. Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is $0.30, with projected revenues of $241.56 million, and for the current fiscal year, the estimate is $1.24 on revenues of $952.28 million [7]. - The trend of earnings estimate revisions is mixed, which could influence future stock performance [6]. Industry Context - Oportun Financial operates within the Financial - Miscellaneous Services industry, which is currently ranked in the top 32% of over 250 Zacks industries, suggesting a favorable industry outlook [8].

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number 001-39050 OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) State or ...

Financial Data and Key Metrics Changes - The company reported a net income of $5.2 million for Q3 2025, reflecting a $35 million year-over-year improvement [5] - The return on equity (ROE) was 5%, up 40 percentage points year-over-year [5] - Operating expenses were $91 million, down 11% year-over-year, marking the second lowest quarterly expense level since going public in 2019 [6][17] - Adjusted EPS increased sharply from $0.02 to $0.39 year-over-year [10][18] - Total revenue for Q3 was $239 million, a decline of $11 million or 5% year-over-year, primarily due to the absence of credit card revenue [15][16] Business Line Data and Key Metrics Changes - Q3 originations were $512 million, up 7% year-over-year, with 70% of originations going to returning members [9][11] - Secured personal loan originations increased by 22% year-over-year, and the secured portfolio grew 48% year-over-year to $209 million [11][41] - The annualized net charge-off rate was 11.8%, a modest improvement from 11.9% in the prior year [6][20] Market Data and Key Metrics Changes - The company continues to monitor key indicators such as inflation, unemployment, and fuel prices, which are impacting consumer behavior [12][33] - The 30-plus day delinquency rate improved year-over-year by 44 basis points to 4.7% [6][20] Company Strategy and Development Direction - The company is focused on three strategic priorities: improving credit outcomes, strengthening business economics, and identifying high-quality originations [8][29] - The company plans to maintain a conservative credit posture while decreasing average loan sizes to ensure affordability for consumers [32][34] - The secured personal loans segment is identified as a key pillar for growth moving into 2026 [41] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in achieving full-year 2025 GAAP profitability and raised adjusted EPS guidance to a range of $1.30-$1.40 per share, reflecting strong year-over-year growth [13][29] - The company anticipates a slight increase in the annualized net charge-off rate to 12.1% for full-year 2025, expected to be temporary [12][26] - Management noted that consumer resilience remains despite macroeconomic pressures, with a focus on maintaining affordability in loan offerings [33][34] Other Important Information - The debt-to-equity ratio improved to 7.1 times, down from 8.7 times a year ago, with a target of 6 times [8][22] - The company executed ABS financings at weighted average yields below 6% and expanded warehouse financing capacity [8][24] Q&A Session Summary Question: Insights on consumer behavior beyond delinquencies and charge-offs - Management noted a focus on reducing average loan sizes to make payments more affordable, reflecting the complexity of consumers' financial lives [31][32] Question: Trends in repayments during Q3 - Repayment rates remained elevated, attributed to smaller loan sizes making them easier to pay off [35] Question: Details on operating expense reductions - Operating expenses were reduced across various line items, including sales and marketing, personnel, and general administrative costs [36] Question: Expectations for net charge-off rates - Management expects a temporary increase in net charge-off rates due to recent credit tightening, with confidence in a return to lower rates by mid-2026 [37][39] Question: Characteristics of secured personal loan customers - The secured portfolio has grown significantly, with dedicated marketing campaigns aimed at attracting customers interested in secured loans [40][41] Question: Timeline for achieving a 6:1 debt-to-equity ratio - Management indicated a positive trajectory towards the 6 times target but did not provide a specific timeline [42]

Oportun 3Q 2025 Earnings Presentation November 4, 2025 Forward-looking statements This presencation and the easomariy poral presentation contain forward Housing statements of histian nents other ther statements of isitericas fract contained in the succ statements as to future performance, results of cceation and financial position achiever of our stransept of our stransept sinci ites and qadest on regercines con experion conditions and julye continins cour de change cif rate cologic innsan le exceptations o ...

Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance Operating expenses reduced 11% year-over-year, supporting continued margin expansion SAN CARLOS, CA – November 4, 2025 – Oportun Financial Corporation (Nasdaq: OPRT) ("Oportun", or the "Company") today reported financial results for the third quarter ended September 30, 2025. "Our third quarter results were strong, marking our fourth consecutive quarter of GAAP profitability as we delivered a $3 ...

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 e ...

The market expects Oportun Financial Corporation (OPRT) to deliver a year-over-year increase in earnings on lower revenues when it reports results for the quarter ended September 2025. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is exp ...