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Oportun Financial Corp
Oportun Financial Corp. is a holding company, which engages in the provision of financial services for customers with credit invisibles. The company is headquartered in San Carlos, California and currently employs 2,729 full-time employees. The company went IPO on 2019-09-26. The firm leverage its digital platform to provide consumer credit to people. The company uses artificial intelligence (AI) models to provide its customers with alternatives to payday and auto title loans. The firm offers personal loans, credit cards and auto loans. Its personal loan consists of amortizing personal installment loan with fixed payments throughout the life of the loan. The company offers Oportun Visa Credit Card product in over 33 states. The Company’s digital platform enables end-to-end process management, from loan application through disbursement, to servicing and collections, allowing its customers to interact with and move between online, over-the-phone, and in person experiences. The company enables its customers to complete a loan application online through a mobile phone, tablet, or computer.
Oportun Financial Corp. is a holding company, which engages in the provision of financial services for customers with credit invisibles. The company is headquartered in San Carlos, California and currently employs 2,729 full-time employees. The company went IPO on 2019-09-26. The firm leverage its digital platform to provide consumer credit to people. The company uses artificial intelligence (AI) models to provide its customers with alternatives to payday and auto title loans. The firm offers personal loans, credit cards and auto loans. Its personal loan consists of amortizing personal installment loan with fixed payments throughout the life of the loan. The company offers Oportun Visa Credit Card product in over 33 states. The Company’s digital platform enables end-to-end process management, from loan application through disbursement, to servicing and collections, allowing its customers to interact with and move between online, over-the-phone, and in person experiences. The company enables its customers to complete a loan application online through a mobile phone, tablet, or computer.
GAAP Profitability: Oportun delivered its fourth consecutive quarter of GAAP profitability in Q3, with net income of $5.2 million, a $35 million improvement year-over-year.
Guidance Beat: The company met or exceeded all of its guidance metrics for the quarter, with adjusted EBITDA coming in $2 million above the top end of guidance.
Strengthened Capital Structure: Oportun reduced its debt-to-equity ratio to 7.1x from a 8.7x peak, repaid higher-cost debt, and issued new ABS at lower yields, improving its cost of capital.
Expense Discipline: Operating expenses dropped by 11% year-over-year, and full-year 2025 OpEx guidance was reduced by $10 million to $370 million.
Credit Performance: Annualized net charge-off rate improved slightly to 11.8%; 30+ day delinquencies improved by 44 bps to 4.7%, although delinquencies were at the high end of internal expectations.
Adjusted EPS Outlook Raised: Full-year 2025 adjusted EPS guidance was increased to $1.30–$1.40, up 4% at the midpoint, reflecting year-over-year growth of 81%–94%.
Origination Growth Slowed: Full-year 2025 originations are now expected to grow in the high single digits (down from about 10%), due to ongoing credit tightening.
Temporary Uptick in Losses: Net charge-off rates are expected to rise temporarily into early 2026 before easing, as recent credit tightening actions take effect.
