What is the revenue and EPS growth rate for Oportun Financial year over year?

What guidance did Oportun Financial's management provide for the next earnings period?

What is Oportun Financial's gross profit margin?

What were the key takeaways from Oportun Financial's earnings call?

What is Oportun Financial's latest dividend and current dividend yield?

Did Oportun Financial beat or miss consensus estimates last quarter?

What is the market's earnings forecast for Oportun Financial next quarter?

What were the key takeaways from Oportun Financial’s earnings call?

- **Record Profitability**: 2025 GAAP net income of $25 million, 89% adjusted EPS growth, and 12% operating expense reduction.
- **Credit Strength**: 12.3% Q4 net charge-off rate, 4.9% delinquency rate, and 600+ basis points lower loss rate for secured loans.
- **Balance Sheet Optimization**: $485M ABS transaction at 5.32%, 10%+ interest expense decline in 2026.
- **Growth Initiatives**: 
  - Risk-based pricing above 36% APR for higher-risk segments (2027+ growth potential).
  - Secured personal loans (51% originations growth in 2025).
- **2026 Outlook**: 16% adjusted EPS growth, flat operating expenses, and >$70M debt repayment.
- **Leadership Transition**: Raul Vazquez stepping down as CEO, with smooth transition planned.

**【CEO Summary Section】**
- **2025 Financial Highlights**: Achieved $25 million GAAP net income, 89% growth in adjusted EPS, and 12% reduction in operating expenses. Q4 GAAP net income was $3.4 million, with full year GAAP net income improving by $104 million.
- **Credit Performance**: Annualized net charge-off rate of 12.3% in Q4, driven by 74% of second-half originations from returning members. Delinquency rate of 4.9% in Q4, expected to decline in 2026.
- **Expense Management**: Full year 2025 operating expenses down 12% to $362 million, with Q4 expenses at $84 million (lowest as a public company).
- **Balance Sheet Optimization**: Completed $485 million ABS transaction at 5.32% yield, reducing interest expense by $4.1 million in Q4.
- **Strategic Initiatives**: 
  - **Risk-Based Pricing**: Testing APRs above 36% for higher-risk segments, with modest 2026 profitability and potential 2027+ growth.
  - **Secured Personal Loans (SPL)**: SPL originations grew 51% in 2025, now 8% of owned portfolio, with 600+ basis points lower loss rate than unsecured loans.
  - **2026 Outlook**: Mid-single-digit originations growth, 16% adjusted EPS growth, and 10%+ interest expense decline.

**【CFO Financial Commentary】**
- **Q4 Financials**: 
  - Total revenue: $248 million (down 1% YoY due to credit card portfolio sale).
  - Adjusted EBITDA: $42 million (up 1.5% YoY).
  - GAAP net income: $3.4 million (down 13% YoY due to tax headwinds).
- **2025 Full Year**: 
  - Adjusted ROE: 17.5% (up 1,000 basis points YoY).
  - Interest expense: $58 million (down 8% YoY).
  - Debt-to-equity ratio: 7.2x (down from 7.9x YoY).
- **2026 Guidance**: 
  - Total revenue: $935-$955 million.
  - Adjusted EPS: $1.50-$1.65 (16% growth at midpoint).
  - Interest expense: >10% decline YoY.

**【Q&A Key Highlights】**
- **Charge-Off Rate Path**: Q1 2026 net charge-off rate of 12.65% (peak), declining to 11.65% in Q2-Q4 due to tighter underwriting.
- **Operating Expenses**: Flat 2026 guidance reflects cost discipline and investments in: 
  - Risk-based pricing (modest 2026 impact, 2027+ growth).
  - SPL growth (mid-single-digit originations growth).
  - Marketing for mid-year originations ramp.
- **Debt Reduction**: Targeting >$70 million corporate debt repayment in 2026 (15% interest rate facility), aiming for 6:1 debt-to-equity ratio.
- **Risk-Based Pricing Market Impact**: Could expand addressable market for higher-risk segments, with pricing aligned to risk.
- **Transition Update**: Raul Vazquez stepping down as CEO by April 3, with smooth transition planned.

Oportun Financial Corporation (OPRT) Q4 2025 Earnings Call Transcript

- **GAAP Profitability Milestone**: Fourth consecutive quarter of GAAP net income ($5.2M) and 5% ROE, up 40 percentage points YoY.
- **Credit Improvement**: 11.8% annualized NCO rate, 44 basis point decline in 30+ day delinquency to 4.7%.
- **Cost Efficiency**: Operating expenses down 11% YoY to $91M, with full-year 2025 guidance of $370M.
- **Strategic Growth**: 7% YoY originations growth to $512M, 70% to returning members, and 48% YoY secured loan portfolio expansion.
- **Capital Strength**: Debt-to-equity ratio reduced to 7.1x, ABS issuances at sub-6% yields, and 20% adjusted ROE driven by unit economics progress.

**【CEO Summary Section】**
- Achieved GAAP net income of $5.2 million, marking the fourth consecutive quarter of profitability with a 5% ROE, up 40 percentage points year-over-year.
- Annualized net charge-off rate improved to 11.8%, with a 44 basis point decline in 30+ day delinquency to 4.7%.
- Operating expenses reduced by 11% YoY to $91 million, with full-year 2025 guidance of $370 million, a $40 million improvement from 2024.
- Originations growth of 7% YoY to $512 million, with 70% of Q3 originations to returning members, reflecting credit tightening.
- Full-year 2025 adjusted EPS guidance raised to $1.30-$1.40, up 81%-94% YoY, driven by expense discipline and lower cost of capital.

**【CFO Financial Commentary】**
- GAAP net income of $5.2 million, with adjusted EPS of $0.39, up 81% YoY.
- Risk-adjusted net interest margin improved 231 basis points YoY to 16.4%, with adjusted OpEx ratio at 12.6%, near 12.5% target.
- Debt-to-equity ratio reduced to 7.1x, down from 8.7x YoY, with $50 million repayment of high-cost corporate debt.
- ABS issuances at sub-6% yields, expanding warehouse capacity and extending average maturity.
- Unit economics progress: adjusted ROE of 20%, up 19 percentage points YoY, targeting 20%-28% GAAP ROE by 2026.

**【Q&A Key Highlights】**
- Consumer behavior: 5% YoY reduction in average loan size for unsecured loans, 7% for secured, driven by affordability focus.
- Repayment trends: Slight increase in repayment rates due to smaller loan sizes, no concern over portfolio health.
- OpEx reductions: Sales & marketing down $1M, personnel expenses down $2M, G&A down $2M YoY.
- Net charge-off outlook: Temporary 12.45% Q4 rate expected to ease by Q2 2026 due to credit tightening and returning member focus.
- Secured loan growth: $209M portfolio (8% of total), up 48% YoY, with dedicated marketing campaigns for car-owning customers.
- Balance sheet: Targeting 6x debt-to-equity ratio, with progress on cost of capital reduction and liquidity enhancement.

Oportun Financial Corporation (OPRT) Q3 2025 Earnings Call Transcript

- **GAAP Profitability Milestone**: Third straight quarter of GAAP net income ($6.9M) with ROE of 7%, up 41pts YoY.
- **Credit Quality Improves**: Net charge-off rate 11.9% (41bps better YoY), delinquency rate 4.4% (54bps decline YoY).
- **Cost Efficiency Boost**: Operating expenses down 13% YoY; full-year OpEx target cut to $380M (-$10M prior guidance).
- **Capital Market Success**: $439M ABS issuance at 5.67% yield (first AAA-rated tranche), reducing leverage to 7.3x.
- **EPS Guidance Raised**: Adjusted EPS now $1.20-$1.40 (67%-94% growth YoY), driven by cost savings and credit gains.

**【CEO Summary Section】**
- **GAAP Profitability**: Third consecutive quarter of GAAP net income ($6.9M) and ROE of 7%, up 41 percentage points year-over-year. Full-year 2025 GAAP profitability on track.
- **Credit Performance**: Annualized net charge-off rate of 11.9% (41bps improvement YoY), 30+ day delinquency rate at 4.4% (54bps decline YoY).
- **Expense Discipline**: Operating expenses down 13% YoY to $94M; full-year 2025 OpEx guidance revised to $380M (-$10M from prior target).
- **Balance Sheet Strength**: $439M ABS issuance at 5.67% yield (128bps improvement vs prior transaction), first AAA-rated tranche issued.
- **Originations Growth**: Q2 originations of $481M (+11% YoY), with 127% YoY growth in loan referral program originations.
- **Strategic Priorities**: Focus on smaller loans (avg size down 6% YoY), secured loans (39% of growth), and expanding SPL to 8 states.

**【CFO Financial Commentary】**
- **Revenue**: $234M (6% YoY decline due to credit card portfolio sale), portfolio yield 32.8% (-106bps YoY from higher repayments).
- **Profitability**: Adjusted EBITDA of $31M (+$1M YoY), adjusted EBITDA margin 13.3% (1.2pts YoY improvement). Adjusted ROE 16% (12pts YoY increase).
- **Leverage Reduction**: Debt-to-equity ratio down to 7.3x (from 7.6x QoQ), $55M used to pay down debt. Targeting 6x leverage long-term.
- **Liquidity**: $228M cash (including $97M unrestricted), $618M available on warehouse lines. Completed $187.5M warehouse facility in April.
- **Guidance Update**: Full-year 2025 adjusted EPS raised to $1.20-$1.40 (67%-94% growth YoY), driven by cost savings and credit performance.

**【Q&A Highlights】**
- **Repayment Trends**: Higher repayments due to smaller loan sizes, not adverse selection. Yield expected to stabilize at current levels.
- **Competitive Environment**: Strong value proposition vs peers; no evidence of competitive refinancing activity.
- **Macro Risks**: Blue-collar job market resilience, but potential inflation/tariff impacts on consumer behavior.
- **Cost of Funds**: ABS market improvements offsetting legacy low-cost debt runoff; AAA rating reflects credit strength.
- **Originations Outlook**: Mid-single-digit growth in H2, targeting 10% full-year originations growth.


Oportun Financial Corporation (OPRT) Q2 2025 Earnings Call Transcript

- **Q1 Profitability Milestone**: GAAP net income of $9.8 million (ROE 11%) and adjusted ROE of 21%, marking two consecutive profitable quarters.
- **Originations Surge**: $469 million (+39% YoY), with 19% growth from secured loans and 7% of originations sold to partners.
- **Credit Strength**: Net charge-off rate 12.2% (low end of guidance), 30+ day delinquency at 4.7% (56 bps YoY decline).
- **Cost Efficiency**: 15% YoY expense reduction to $93 million, with $4 million marketing boost for growth.
- **2025 Outlook**: Adjusted EPS $1.10-$1.30 (53-81% growth), originations growth revised to ~10% amid macro caution.

**【CEO Summary Section】**
- Q1 2025 GAAP net income of $9.8 million (ROE 11%) and adjusted net income of $19 million (adjusted ROE 21%), marking the second consecutive quarter of GAAP profitability.
- Originations reached $469 million (+39% YoY), driven by secured personal loans (19% of growth) and disciplined credit standards.
- Credit performance improved with annualized net charge-off rate of 12.2% (low end of guidance) and 30+ day delinquency rate at 4.7% (56 bps YoY decline).
- Operating expenses reduced 15% YoY to $93 million, with $4 million increase in marketing spend to support growth.
- Full year 2025 originations growth outlook revised to ~10% (down from 10-15% range) due to macroeconomic uncertainty.

**【CFO Financial Commentary】**
- Total revenue $236 million (-6% YoY due to credit card portfolio sale), adjusted EBITDA $34 million (+$32 million YoY).
- Adjusted ROE of 21% reflects 17ppt YoY improvement, driven by cost reductions and credit performance.
- Debt-to-equity ratio deleveraged to 7.6x (from 7.9x QoQ), with $101 million operating cash flow and $29 million debt repayment.
- 2025 full year guidance: adjusted EPS $1.10-$1.30 (53-81% growth vs. 2024), revenue $945-$970 million, adjusted EBITDA $135-$145 million.

**【Q&A Highlights】**
- **Channel Mix**: Online loan applications grew marginally (2ppt shift from physical to digital), with integrated channel strategy maintaining portfolio balance.
- **Secured Loan Growth**: 59% YoY increase in secured personal loans ($178 million, 7% of owned portfolio), targeting higher credit quality and lower loss rates (500 bps vs. unsecured loans).

Oportun Financial (OPRT)-8 May 25-2025 Q1 Earnings call transcript

- **GAAP Profitability Restored**: Q4 net income of $9M vs. -$42M YoY, GAAP ROE of 10%.
- **Credit Quality Improving**: Net charge-off rate 11.7% (down 55bps YoY), delinquency rate 4.8% (down 113bps YoY).
- **Originations Surge**: $522M (19% YoY), loan count up 23% despite conservative underwriting.
- **Cost Efficiency**: Operating expenses $89M (31% YoY decline), 2025 target of $97.5M/Q.
- **2025 Outlook**: Adjusted EPS $1.10-$1.30 (53%-81% YoY growth), ROE target in teens.
- **Credit Card Exit**: FY2025 guidance excludes $34M credit card revenue, focusing on core lending.
- **Back Book Shrinkage**: Back book to 1% of portfolio by end-2025, reducing loss exposure.

**【CEO Key Highlights】**
- **Return to GAAP Profitability**: Q4 net income of $9M (vs. -$42M YoY), GAAP ROE of 10%, and adjusted ROE of 25%.
- **Credit Performance Improvement**: Net charge-off rate of 11.7% (down 55bps YoY), 30+ day delinquency rate of 4.8% (down 113bps YoY).
- **Originations Growth**: $522M (19% YoY), driven by 23% increase in loan count despite conservative credit box.
- **Cost Discipline**: Operating expenses of $89M (31% YoY decline), lowest since Q2 2019.

**【CFO Financial Details】**
- **Revenue**: Total revenue $251M (down 4% YoY due to portfolio runoff), adjusted EBITDA $41M (315% YoY increase).
- **Net Income**: Adjusted net income $22M (140% YoY growth), EPS $0.49 (up $0.70 YoY).
- **Credit Card Sale Impact**: Q4 credit card revenue $4M (vs. $34M FY2024), Q1 2025 guidance excludes $12M YoY decline.
- **Capital Efficiency**: Debt-to-equity ratio reduced to 7.9x, $215M cash (including $60M unrestricted).

**【2025 Guidance】**
- **Revenue**: $945M-$970M (3% YoY decline excluding credit card, organic growth expected in H2).
- **Charge-offs**: Annualized net charge-off rate 11.5% (down 50bps YoY), dollar charge-offs down 7% YoY.
- **Adjusted EPS**: $1.10-$1.30 (53%-81% YoY growth), mid-point up 7% from prior guidance.
- **ROE Target**: Adjusted ROE in the teens for FY2025, long-term goal of 20%-28%.

**【Q&A Key Takeaways】**
- **Growth Drivers**: Incremental marketing spend ($2.5M/Q4) and V12 credit model stability.
- **Competitive Landscape**: Rational pricing from peers, no need to relax credit standards.
- **Back Book Impact**: Back book to shrink to 1% of portfolio by end-2025, reducing tail risk.
- **Macro Sensitivity**: V12 model built with inflation data, adjustments made to 12 credit vintages in 2024.
- **Leadership Transition**: Casey Mueller to serve as interim CFO, search underway for successor.

Actual			-0.04	-1.29	0.15	0.6	0.41	0.56	0.78	0.82	1.58	0.11	0.25	0.14	-2.6	0.06	-0.46	-0.54	0.09	0.08	0.02	0.49	0.4	0.31	0.39	0.27
Forecast			0.165	0.0752	-0.0573	0.1156	0.192	0.0467	0.4421	0.7172	0.6029	0.0867	-0.1104	0.2243	-1.3608	-0.119	0.3153	-0.3742	-0.2655	-0.1506	-0.0493	0.1463	0.0836	0.2193	0.2896	0.2623
Surprise	0.00%	0.00%	-124.24%	-1815.43%	+361.78%	+419.03%	+113.54%	+1099.14%	+76.43%	+14.33%	+162.07%	+26.87%	+326.45%	-37.58%	-91.06%	+150.42%	-245.89%	-44.31%	+133.90%	+153.12%	+140.57%	+234.93%	+378.47%	+41.36%	+34.67%	+2.94%

OPRT

OPRT fundamentals

OPRT Q4 2025 Earnings

Earnings Call

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OPRT

OPRT fundamentals

OPRT Q4 2025 Earnings

Earnings Call

OPRT Earnings Call Summary for Q4/20255:00 PM on Feb 26, 2026

OPRT Earnings Call Summary for Q3/20255:00 PM on Nov 4, 2025

OPRT Earnings Call Summary for Q2/20255:00 PM on Aug 6, 2025

OPRT Earnings Call Summary for Q1/20255:00 PM on May 8, 2025

OPRT Earnings Call Summary for Q4/20245:00 PM on Feb 12, 2025

You can ask Aime