Latest financial results
FY 2024
Fiscal Year ended December 31, 2024
$9M
Return to GAAP Profitability
$41M
Adjusted EBITDA up 315% Y/Y
$89M
Operating expenses, reduced 31% Y/Y
19%
Return to originations growth
11.7%
Lowest annualized net charge-off rate since 2022
For complete information regarding our financials, see our periodic filings
For the non-GAAP reconciliation to the most comparable GAAP measure see page 30 of the presentation.
Latest annual filing
For fiscal year ending December 31, 2024
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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
83%
In the U.S. identify as members of an underrepresented group
54%
Globally identify as female
$2.4B+
Saved cumulatively by members using lending products1
1.2M
People we have helped to establish a credit history
$11.4B
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 February 12, 2025 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, 2024 • 10-K 2024
*Adjusted net income is a Non-GAAP measure. View full reconciliation in our 2024 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, 2024 • 10-K 2024
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