Latest financial results
Q2 2024
Quarter ended June 30, 2024
$250M
Total revenue, top end of guidance range
20%
Decline in operating expenses
13%
Decline in dollar 30+ day delinquencies
10%
Decline in dollar net charge-offs
191
Basis points Y/Y improvement in risk adjusted portfolio yield
For complete information regarding our financials, see our periodic filings
Latest annual filing
For fiscal year ending December 31, 2023
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Corporate overview
Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its 2.0 million members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $16.6 billion in responsible and affordable credit, saved its members more than $2.4 billion in interest and fees, and helped its members save an average of more than $1,800 annually. Oportun has been certified as a Community Development Financial Institution (CDFI) since 2009.
Platform featuring both lending and savings products
Oportun is making an impact
82%
In the U.S. identify as members of an underrepresented group
53%
Globally identify as female
$2.4B+
Saved cumulatively by members using lending products1
1.1M
People we have helped to establish a credit history
$9.9B
In aggregate member savings
$1.8K+
Avg. annually set aside per member
1 Amount calculated based on a study prepared for Oportun by FHN "Oportun: The True Cost of a Loan," October 2021, calculated as of September 30, 2023
As of November 6, 2023, earnings release date
For complete information regarding our financials, see our periodic filings.
Annual performance
Adjusted net income*
In millions
Show source info
As of Dec. 31, 2022 • 10-K 2022
*Adjusted net income is a Non-GAAP measure. View full reconciliation in our 2022 10-K.
For complete information regarding our financials, see our periodic filings.
Net cash provided by operating activities
In millions
Show source info
As of Dec. 31, 2022 • 10-K 2022
For complete information regarding our financials, see our periodic filings.
Excellence in business, operations and ratings
A+ rating by the Better Business Bureau (BBB)
Best consumer lending product by Fintech Breakthrough
CDFI certified by the U.S. Treasury Department
Diversity Responsibility Sustainability
Our environmental, social and governance priorities support all of our stakeholders as we continue to provide financial accessibility to all.
View our ESG progressIR contacts
Corporate office
Oportun Financial Corporation
2 Circle Star Way
San Carlos, CA 94070
United States
Investor relations
Dorian Hare
Senior Vice President, Investor Relations
T: 650-590-4323
[email protected]
Transfer agent
Equiniti
P.O. Box 64854
St. Paul, MN 55164-0854
United States
T: 800-937-5449
[email protected]
https://www.equiniti.com