Oportun Financial (OPRT) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Oportun Financial Corporation reported a revenue of $234.3 million for the quarter ended June 2025, reflecting a year-over-year decline of 6.4% [1] - The earnings per share (EPS) for the same period was $0.31, compared to $0.08 a year ago, indicating a significant increase [1] - The revenue fell short of the Zacks Consensus Estimate of $239.43 million by 2.14%, while the EPS exceeded the consensus estimate of $0.22 by 40.91% [1] Revenue Breakdown - Non-interest income was reported at $16.1 million, surpassing the average estimate of $14.94 million, but showing a year-over-year decline of 15.3% [4] - Interest income amounted to $218.3 million, which was below the estimated $224.51 million, representing a 5.7% decrease compared to the previous year [4] - Non-interest income from servicing fees reached $3.6 million, exceeding the average estimate of $2.96 million, and showing a year-over-year increase of 4.1% [4] Stock Performance - Oportun Financial's shares have returned -11.5% over the past month, contrasting with the Zacks S&P 500 composite's increase of 1.2% [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential for outperformance in the near term [3]