Investor Relations

Latest financial results

Oportun Financial Second Quarter 2026 Earnings Conference Call

Aug 5, 2026 5:00 pm EDT

Quarter Ended Jun 30, 2026

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$8.5M

Net income, seventh consecutive GAAP profitable quarter

3

Q2 Guidance metrics; exceeded the high end of each

4.0%

30-plus day delinquency rate, lowest since 4Q21

20 bps

Midpoint guidance improvement in FY26 annualized net charge-off rate expectation

6.5x

Debt-to-equity leverage, reduced from 7.3x Y/Y

For complete information regarding our financials, see our periodic filings

Latest news

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Latest presentation

2Q 2026 Earnings Presentation

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Latest event

Oportun Financial Corporation 2026 Annual Meeting of Shareholders

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Latest financial results

Q2 2026.

Quarter ended June 30, 2026

$8.5M

Net income, seventh consecutive GAAP profitable quarter

3

Q2 Guidance metrics; exceeded the high end of each

4.0%

30-plus day delinquency rate, lowest since 4Q21

20 bps

Midpoint guidance improvement in FY26 annualized net charge-off rate expectation

6.5x

Debt-to-equity leverage, reduced from 7.3x Y/Y

For complete information regarding our financials, see our periodic filings

Latest annual filing

For fiscal year ending December 31, 2025

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Corporate overview

Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its 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 $22.2 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually. For more information, visit Oportun.com.
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Stock information

Oportun Financial Corporation

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View detailed stock information

Platform featuring both lending and savings products

Loans

Prequalify in minutes

Learn more

Save

Without thinking about it

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Addressing two fundamentally challenging problems

Helping provide financial health and resilience, with access to responsible and affordable credit and adequate savings

Oportun is making an impact

$2.5B

Saved cumulatively by members using lending products

$1.3M

People we have helped to establish a credit history

$13.2B

In aggregate member savings

$1.8K

Avg. annually set aside per member

1 Amount calculated as of June 2026, determined by internal calculations using data from an external survey of competitor loans.

As of June 30, 2026 earnings release date

For complete information regarding our financials, see our periodic filings.

Annual performance

Total revenue

In millions

As of Dec. 31, 2025 • 10-K 2025

Adjusted net income*

In millions

As of Dec. 31, 2025 • 10-K 2025

*Adjusted net income is a Non-GAAP measure. View full reconciliation in our 2025 10-K.

View reconciliation

For complete information regarding our financials, see our periodic filings.

Adjusted earnings (loss) per share*

As of Dec. 31, 2025 • 10-K 2025

*Adjusted earnings (loss) per share is a Non-GAAP measure. View full reconciliation in our 2025 10-K.

View reconciliation

For complete information regarding our financials, see our periodic filings.

Net cash provided by operating activities

In millions

As of Dec. 31, 2025 • 10-K 2025

View reconciliation

For complete information regarding our financials, see our periodic filings.

Excellence in business, operations and ratings

A+ rating by the Better Business Bureau (BBB)

A+ rating by the Better Business Bureau (BBB)

Best consumer lending product by Fintech Breakthrough

Best consumer lending product by Fintech Breakthrough

CDFI certified by the U.S. Treasury Department

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.

IR contacts

Corporate office

Oportun Financial Corporation
1825 South Grant Street
Suite 850
San Mateo, CA 94402
United States

Investor relations

Dorian Hare
Senior Vice President, Investor Relations
T: 650-590-4323
dorian.hare@oportun.com

Transfer agent

Equiniti
P.O. Box 64854
St. Paul, MN 55164-0854
United States
T: 800-937-5449
HelpAST@equiniti.com
https://www.equiniti.com