OPRT
Oportun Financial·NASDAQ
--
--(--)
Market Open: --
--
--(--)
Pre-Market: --
OPRT fundamentals
Oportun Financial (OPRT) released its earnings on Nov 4, 2025: revenue was 239.00M (YoY -4.40%), beat estimates; EPS was 0.39 (YoY +1850.00%), beat estimates.
Revenue / YoY
239.00M
-4.40%
EPS / YoY
0.39
+1850.00%
Report date
Nov 4, 2025
OPRT Earnings Call Summary for Q3,2025
- 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.
EPS
Revenue
Revenue & Expenses
Key Indicators
Oportun Financial (OPRT) key financial stats and ratios, covering profitability, financial health, and leverage.
Oportun Financial (OPRT)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
Trend
Breakdown
Oportun Financial (OPRT)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
Trend
Breakdown
Oportun Financial (OPRT)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
Trend
Breakdown
Where does Oportun Financial (OPRT) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
Data source:
By Region
Data source:
Track Oportun Financial (OPRT) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What factors drove the changes in Oportun Financial's revenue and profit?What does Oportun Financial do and what are its main business segments?What is Oportun Financial's gross profit margin?What is the market's earnings forecast for Oportun Financial next quarter?What is Oportun Financial's latest dividend and current dividend yield?Did Oportun Financial beat or miss consensus estimates last quarter?What were the key takeaways from Oportun Financial's earnings call?What were the key takeaways from Oportun Financial’s earnings call?
