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Oportun Financial Fourth Quarter 2023 Earnings Conference Call

Mar 12, 2024 5:00 pm EDT
Earnings release
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Presentation
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Financial supplement
SPREADSHEET
10-K Filing
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10-K/A Filing
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XBRL
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Prepared Remarks
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Oportun Financial Corporation
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View state licenses and notices. 

New Jersey residents: This is an advertisement for a consumer loan.

New Mexico residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL: Customer Experience – Contact Manager, Oportun, PO Box 4085, Menlo Park, CA 94026; 888-408-3020; [email protected]. This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at 505-476-4885 or visit the website

NMLS #1671904. Click here for the NMLS Consumer Access Database.

Oportun’s website terms, privacy, and security policies don’t apply to outside sites we reference. Please review those websites for their terms, privacy, and security policies to see how they apply to you. Oportun isn’t responsible for (and doesn’t provide) any products, services or content at this third-party site or app, except for products and services that explicitly carry our name. 

Personal loans information

Secured personal loans are available for residents of: Arizona, California, Florida, New Jersey, and Texas.

Lender information: Personal loans in NM and WI are originated by Oportun Inc. NV loans originated by Oportun, LLC. Personal loans in AL, AK, AR, AZ, CA, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, and WY are originated by Pathward®, N.A. THIS IS A LOAN SOLICITATION ONLY. OPORTUN MAY NOT BE THE LENDER. INFORMATION RECEIVED WILL BE SHARED WITH PATHWARD IN CONNECTION WITH YOUR LOAN INQUIRY. THE LENDER MAY NOT BE SUBJECT TO ALL VERMONT OR OTHER STATE LENDING LAWS. THE LENDER MAY BE SUBJECT TO FEDERAL LENDING LAWS.

Product Terms: Lending products are subject to credit approval. Terms may vary by applicant and state and are subject to change. While a prior credit history is not required to qualify, credit reports will be requested and considered for all applicants. Account payment history is reported to select nationwide credit bureaus. Prequalification will not impact your credit score with the nationwide credit reporting agencies until you submit for final approval. Typical personal loan amounts are $500 to $4,500 for new customers, $2,500 to $9,500 for returning customers, and secured personal loan amounts are $3,700 to $14,200, based on information from previously approved loans which may not represent current terms.

Pricing information: Amounts financed for unsecured personal loans vary by state: amounts above $6,000 are not available for first-time borrowers; amounts below $3,100 are not available in GA; and amounts below $1,600 are not available in HI. A secured personal loan with an amount financed from $2,525 to $18,500 is only offered through the personal loan application to qualifying customers in select states from Pathward®, N.A. subject to certain terms and conditions. For example, for an unsecured personal loan with a principal amount of $3,333, a term of 40 months, a 10% administrative fee of $333, an APR of 35.95%, the borrower will receive $3,000 and make 52 payments of $81, due every 2 weeks. For example, for a secured personal loan with a principal amount of $7,778 for a term of 39 months, a 10% administrative fee of $778, and an APR of 34.95%, the borrower will receive $7,000 and make 84 payments of $140 , due every every 2 weeks.

Customer recommendation based on member survey updated quarterly. 9 out of 10 is based on loan members and 4 out of 5 is based on credit card members.

Google and Trustpilot reviews are solicited from credit customers only. Google rating is currently based on all Oportun store locations.

Member savings based on average saves of all paying app members in the prior 12 months. Not a guarantee; results will vary based on your income and spending.

Community partners like SpringFour, UnidosUS, and Steady, are not affiliates or agents of Oportun, Inc. or its affiliates. Community partners are optional services and are not partner bank services through Pathward, N.A. or WebBank. Oportun is not responsible for any third-party content and opinions provided by community partners.

True Cost of a Loan: Based on research commissioned by Oportun and conducted by the Financial Health Network (FHN), the True Cost of a Loan analysis calculates the expected cost over the life of the loan for nonprime customers and those with little to no credit history, coupling typical borrower behavior and cash flow constraints with loan terms. For the national True Cost of a Loan estimates, FHN analyzed the rates, fees, and terms for payday, installment, credit card, and rent-to-own products for customers fitting the two different credit profiles and calculated the total cost of those products for common loan amounts compared to the cost for those same loan amount from Oportun. FHN considered the loan repayment structure and time frame for each product, borrower income, the potential for rollovers and refinancings, and legal parameters that prevent or constrain borrowing. On a quarterly basis, Oportun calculates the total amount saved by consumers getting unsecured personal loans through Oportun, since 2006, in interest and fees compared to the alternative products. This amount is calculated based on the total figure from the prior study, with information on first-time personal loan borrowers through Q3 2021, added to the results using the new nationwide study with new and returning personal loan borrowers starting Q4 2021. The actual savings for each customer will vary based on specific loan terms and alternative products available in your area.

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