Funding & Liquidity • 1Q23: delayed $42M residual financing facility amortization to 2024, increased capacity of senior secured term loan by up to $75M • Kept 2H22 Adjusted Operating Expenses flat from 1H22 Cost Measures • 52.4% 4Q adjusted operating efficiency ratio (post-IPO record); 1,215 bps improvement • $48-53M 2023 run-rate expense savings; targeting 75% reduction in hiring and backfills Underwriting 14 32.0% (10) (11) 20.5% (11.5)% 15.5% (5.0)% Gross Yield Net Charge-Offs Risk-Adjusted Yield Servici ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 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) Delaware 45-336198 ...

Oportun Financial Corporation (NASDAQ:OPRT) Q4 2022 Earnings Conference Call March 13, 2023 5:00 PM ET Company Participants Dorian Hare – Vice President-Investor Relations Raul Vazquez – Chief Executive Officer Jonathan Coblentz – Chief Financial Officer and Chief Administrative Officer Conference Call Participants Sanjay Sakhrani – KBW Matthew Hurwit – Jefferies Rick Shane – JPMorgan Hal Goetsch – Loop Capital Markets David Scharf – JMP Securities Operator Hello and welcome to the Oportun Financial Fourth ...

March 13, 2023 In some cases, you can identify forward-looking statements by terminology such as "aim," "anticipate," "assume," "believe," "contemplate," "continue," "could," "due," "estimate," "expect," "goal," "intend," "may," "objective," "plan," "predict," "potential," "positioned," "seek," "should," "target," "will," "would," or the negative of these terms or other similar words. These forward-looking statements are subject to the safe harbor provisions under the Private Securities Litigation Reform Ac ...

Oportun Financial Corp. (NASDAQ:OPRT) Q3 2022 Results Conference Call November 7, 2022 5:00 PM ET Company Participants Dorian Hare - SVP, IR Raul Vazquez - CEO Jonathan Coblentz - CFO, CAO Conference Call Participants Mark DeVries - Barclays Sanjay Sakhrani - KBW Rick Shane - JPMorgan David Scharf - JMP John Hecht - Jefferies Hal Goetsch - Loop Capital Operator Good evening, and welcome to Oportun Financial Third Quarter 2022 Earnings Conference Call. [Operator Instructions]. Please note, this event is bein ...

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, 2022 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 San Carlos, CA 94070 Address of Principal Executive Offices Zip ...

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 June 30, 2022 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) Delaware 45-33 ...

Oportun Financial Corporation (NASDAQ:OPRT) Q2 2022 Earnings Conference Call August 8, 2022 5:00 PM ET Company Participants Dorian Hare - Senior Vice President, Investor Relations Raul Vazquez - Chief Executive Officer Jonathan Coblentz - Chief Financial Officer and Chief Administrative Officer Conference Call Participants John Hecht - Jefferies Sanjay Sakhrani - KBW Mark DeVries - Barclays Rick Shane - JPMorgan Hal Goetsch - Loop Capital Operator Welcome to Oportun Financial Corporation’s Second Quarter 20 ...

OP * RTUN | --- | --- | --- | --- | --- | --- | |------------------|----------------------------------------|-----------|-------|-------|--------------| | | | | | | | | 2Q 2022 Earnings | Congratulations, Your loan is approved | | | | | | | | | | | | | Presentation | $5,000 | Alex Cruz | | | digit DEBIT | August 8, 2022 Forward-looking statements This presentation and the accompanying oral presentation contain forward-looking statements. All statements other than statements of historical fact contained in t ...

Oportun Financial Corporation (NASDAQ:OPRT) Q1 2022 Earnings Conference Call May 9, 2022 5:00 PM ET Company Participants Dorian Hare - Senior Vice President of Investor Relations Raul Vazquez - President & Chief Executive Officer Jonathan Coblentz - Chief Financial Officer & Chief Administrative Officer Conference Call Participants John Hecht - Jefferies Sanjay Sakhrani - KBW David Scharf - JMP Securities Rick Shane - J.P. Morgan Hal Goetsch - Loop Capital Operator Good day and welcome to Oportun Financial ...