UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number 001-39050 OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Indicate by check ...

分组1 - Oportun Financial Corporation reported quarterly earnings of $0.27 per share, exceeding the Zacks Consensus Estimate of $0.26 per share, but down from $0.49 per share a year ago, resulting in an earnings surprise of +3.85% [1] - The company achieved revenues of $247.7 million for the quarter ended December 2025, surpassing the Zacks Consensus Estimate by 1.40%, although this is a decrease from year-ago revenues of $250.9 million [2] - Oportun Financial has outperformed the S&P 500 with a share price increase of about 4.2% since the beginning of the year, compared to the S&P 500's gain of 1.5% [3] 分组2 - The current consensus EPS estimate for the upcoming quarter is $0.27 on revenues of $238.11 million, and for the current fiscal year, it is $1.43 on revenues of $972.14 million [7] - The Zacks Industry Rank for Financial - Miscellaneous Services is in the top 35% of over 250 Zacks industries, indicating that the industry outlook can significantly impact stock performance [8]

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Oportun Financial (NasdaqGS:OPRT) Q4 2025 Earnings call February 26, 2026 05:00 PM ET Company ParticipantsDorian Hare - SVP of Investor RelationsHal Goetsch - Senior Managing Director and Head of FinTech and FinancialPaul Appleton - Interim CFO, Treasurer, and Head of Capital MarketsRaul Vazquez - Chief Executive OfficerZach Milam - Equity Research AssociateConference Call ParticipantsBrendan McCarthy - Equity Research AnalystOperatorGreetings, welcome to the Oportun Financial fourth quarter 2025 earnings c ...

Oportun Financial (NasdaqGS:OPRT) Q4 2025 Earnings call February 26, 2026 05:00 PM ET Company ParticipantsDorian Hare - SVP of Investor RelationsHal Goetsch - Senior Managing Director and Head of FinTech and FinancialPaul Appleton - Interim CFO, Treasurer, and Head of Capital MarketsRaul Vazquez - Chief Executive OfficerZach Milam - Equity Research AssociateConference Call ParticipantsBrendan McCarthy - Equity Research AnalystOperatorGreetings, welcome to the Oportun Financial fourth quarter 2023 earnings c ...

Oportun Financial (NasdaqGS:OPRT) Q4 2025 Earnings call February 26, 2026 05:00 PM ET Speaker3Greetings, welcome to the Oportun Financial fourth quarter 2025 earnings call. At this time, all participants are in listen-only mode. A question and answer session will follow the formal presentation. If anyone should require operator assistance, please press star zero on your telephone keypad. As a reminder, this conference is being recorded. It is now my pleasure to introduce Dorian Hare of Investor Relations. P ...

4Q 2025 Earnings Presentation February 26, 2026 Forward -looking statements This presentation and the accompanying oral presentation contain forward-looking statements. All statements other than statements of historical fact contained in this presentation and the accompanying oral presentation, including statements as to future performance, results of operations and financial position; achievement of our strategic priorities and goals; our expectations regarding loan origination growth; our expectations reg ...

Achieves fifth consecutive quarter of GAAP profitability Full year 2025 GAAP EPS of $0.53, up $2.48 year-over-year Full year 2025 Adjusted EPS of $1.36, reflecting 89% growth Meets or outperforms each fourth quarter and full year guidance metric SAN MATEO, Calif., Feb. 26, 2026 (GLOBE NEWSWIRE) -- Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") reported financial results today for the fourth quarter and full year ended December 31, 2025. “We finished 2025 with another solid perf ...

Core Viewpoint - Oportun is set to release its financial results for the fourth quarter of 2025 on February 26, 2026, after market close [1]. Group 1: Financial Results Announcement - Oportun will host a conference call and earnings webcast on February 26, 2026, at 5:00 pm ET / 2:00 pm PT to discuss the financial results [2]. - A live webcast will be available on Oportun's investor relations website, with a replay accessible for one year [2]. Group 2: Company Overview - Oportun is a mission-driven financial services company focused on helping members achieve their financial goals through intelligent borrowing, savings, and budgeting [3]. - Since its inception, Oportun has provided over $21.3 billion in responsible and affordable credit and saved its members more than $2.5 billion in interest and fees [3]. - On average, Oportun has helped its members set aside more than $1,800 annually [3].

Core Viewpoint - Oportun has successfully issued $485 million in two-year revolving fixed rate asset-backed notes, demonstrating its ability to raise capital at favorable terms while maintaining a strong financial performance [1][4]. Group 1: Financial Performance - The company repaid $37.5 million of corporate debt during the fourth quarter of 2025 and a total of $70 million throughout the year [1][4]. - Oportun has raised over $1.9 billion in capital through the ABS market in the last nine months at sub-6% yields [4]. Group 2: ABS Transaction Details - The recent ABS transaction had a weighted average coupon of 5.25% and a weighted average yield of 5.32% [3]. - The offering included five classes of fixed rate notes, rated from AAA to BB- by Fitch [2][3]. Group 3: Company Overview - Oportun is a mission-driven financial services company that has provided over $21.3 billion in responsible and affordable credit since its inception [6]. - The company has saved its members more than $2.5 billion in interest and fees, helping them set aside an average of over $1,800 annually [6].