Oportun Financial Reports Record Revenue, Outlines 2026 Credit and Funding Plan

Oportun Financial reported $1B in revenue in 2025, its fifth consecutive quarter of GAAP profitability, and Q4 net income of $3.4M. The company is focused on improving credit outcomes, business economics, and sourcing higher-quality originations in 2026. Oportun is prioritizing funding optimization, paying down a high-cost corporate facility, expanding warehouse capacity, and expects a 10% reduction in interest expense and a target leverage of ~6:1 by late 2026.