Quarter Ended Sep 30, 2026
$7.6M
First Y/Y total revenue growth since 4Q23
12%
Originations growth Y/Y under disciplined credit posture
10.6%
Annualized net charge-off rate, lowest since 3Q22
21.6%
GAAP ROE, improved to within 20-28% target range
5
Raised each FY26 Guidance metric
For complete information regarding our financials, see our periodic filings
Quarter ended September 30, 2026
$7.6M
First Y/Y total revenue growth since 4Q23
12%
Originations growth Y/Y under disciplined credit posture
10.6%
Annualized net charge-off rate, lowest since 3Q22
21.6%
GAAP ROE, improved to within 20-28% target range
5
Raised each FY26 Guidance metric
For complete information regarding our financials, see our periodic filings
For fiscal year ending December 31, 2025
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Saved cumulatively by members using lending products
People we have helped to establish a credit history
In aggregate member savings
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 September 30, 2026 earnings release date
For complete information regarding our financials, see our periodic filings.
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.
For complete information regarding our financials, see our periodic filings.
In millions
As of Dec. 31, 2025 • 10-K 2025
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
dorian.hare@oportun.com
Equiniti
P.O. Box 64854
St. Paul, MN 55164-0854
United States
T: 800-937-5449
HelpAST@equiniti.com
https://www.equiniti.com