Symbols

OPRT

Oportun Financial·NASDAQ

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OPRT fundamentals

OPRT Q4 2025 Earnings

Oportun Financial (OPRT) released its earnings on Feb 26, 2026: revenue was 247.70M (YoY -1.28%), beat estimates; EPS was 0.27 (YoY -44.90%), beat estimates.

Revenue / YoY

247.70M

-1.28%

EPS / YoY

0.27

-44.90%

Report date

Feb 26, 2026

OPRT Earnings Call Summary for Q4,2025

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.

Earnings

EPS

Revenue

Revenue & Expenses

Key Indicators

Oportun Financial (OPRT) key financial stats and ratios, covering profitability, financial health, and leverage.

Income Statement

Oportun Financial (OPRT)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.

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Balance Sheet

Oportun Financial (OPRT)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.

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Breakdown

Cash Flow

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.

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