Fiscal Year Ended Dec 31, 2025
$3.4M
4Q25 GAAP net income, fifth consecutive GAAP profitable quarter
$104M
Increase in FY25 GAAP net income Y/Y
89%
Growth in FY25 Adjusted EPS Y/Y
17.5%
FY25 Adjusted ROE, increased 10 percentage points Y/Y
10%-21%
Growth in FY26 Adjusted EPS Y/Y reflected in guidance
For complete information regarding our financials, see our periodic filings
Fiscal Year ended December 31, 2025
$3.4M
4Q25 GAAP net income, fifth consecutive GAAP profitable quarter
$104M
Increase in FY25 GAAP net income Y/Y
89%
Growth in FY25 Adjusted EPS Y/Y
17.5%
FY25 Adjusted ROE, increased 10 percentage points Y/Y
10%-21%
Growth in FY26 Adjusted EPS Y/Y reflected in guidance
For complete information regarding our financials, see our periodic filings
For fiscal year ending December 31, 2025
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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.
In the U.S. identify as members of an underrepresented group
Globally identify as female
Saved cumulatively by members using lending products1
People we have helped to establish a credit history
In aggregate member savings
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 December 31, 2025.
As of February 26, 2026 earnings release date
For complete information regarding our financials, see our periodic filings.
In millions
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.
In millions
As of Dec. 31, 2024 • 10-K 2024
For complete information regarding our financials, see our periodic filings.
A+ rating by the Better Business Bureau (BBB)
Best consumer lending product by Fintech Breakthrough
CDFI certified by the U.S. Treasury Department
Our environmental, social and governance priorities support all of our stakeholders as we continue to provide financial accessibility to all.
Oportun Financial Corporation
1825 South Grant Street
Suite 850
San Mateo, CA 94402
United States
Dorian Hare
Senior Vice President, Investor Relations
T: 650-590-4323
[email protected]
Equiniti
P.O. Box 64854
St. Paul, MN 55164-0854
United States
T: 800-937-5449
[email protected]
https://www.equiniti.com
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