Oportun delivered its fifth consecutive quarter of GAAP profitability in Q4 2025, exceeding its Adjusted EBITDA guidance by 15%. Despite a slight year-over-year decline in total revenue due to the exit of its credit card business, the company saw significant improvements in full-year net income and adjusted efficiency metrics, driven by disciplined expense management and a focus on high-quality originations.

Oportun Financial Corporation reported a strong first quarter in 2025, achieving GAAP net income of $9.8 million, a $36 million increase year-over-year, and GAAP EPS of $0.21, up $0.89 year-over-year. Adjusted EPS increased to $0.40, and operating expenses were reduced by 15% year-over-year. The company reiterated its full-year 2025 credit performance and profit expectations.

Oportun finished the year stronger than anticipated, returning to GAAP profitability in Q4 2024 with $9 million in net income, a significant increase from a net loss in the prior year. Adjusted EBITDA more than quadrupled, and operating expenses were substantially reduced, contributing to improved financial performance.

Oportun announced the closing of a new $245 million long-term warehouse facility with Deutsche Bank AG as senior lender and Jefferies as mezzanine lender. This financing is expected to support the company's responsible growth.

Oportun reported a net loss of $26 million, significantly improved from the prior year's $102 million loss. The company returned to adjusted profitability with an adjusted net income of $3.6 million. Total revenue was $250 million, and operating expenses decreased by 25% year-over-year.

Oportun Financial Corporation reported its Q4 and full year 2023 financial results, with Q4 total revenue of $263 million and FY23 total revenue reaching a record $1.1 billion, up 11% year-over-year. The company focused on improving profitability and operating efficiencies, reducing quarterly operating expenses by 15%. Initial full year 2024 guidance reflects expectations for markedly improved profitability on an adjusted basis, supported by an additional $30 million in run-rate operating expense savings to be achieved by 4Q24.

Oportun Financial Corporation reported record revenue of $268 million, a 7% year-over-year growth. The company's operating expenses were the lowest in two years. However, the impact of fair value adjustments and higher interest expense caused the company to fall short of Adjusted EBITDA expectations.

Oportun Financial Corporation reported a record revenue of $267 million, representing an 18% year-over-year growth. The company's operating expenses were the lowest since mid-2021, with a 14% year-over-year decline. Oportun executed two new whole loan flow sale agreements totaling up to $700 million and has over 2 million members.

Oportun Financial Corporation reported its Q1 2023 financial results, which showed a 21% increase in revenue year-over-year to $260 million. The company also outperformed each guidance metric and is implementing further expense optimization measures to provide an additional $78M to $83M in annualized savings.

Oportun Financial Corporation reported a resilient fourth quarter amidst macroeconomic challenges, delivering a profitable quarter on an adjusted basis. Total revenue reached $262 million, driven by sequential growth in the average daily principal balance. The company focused on returning borrowers and driving down first payment defaults to pre-pandemic levels.

Oportun reported a strong third quarter with total revenue of $250 million, a 57% increase year-over-year. The company is raising its full year 2022 revenue and earnings guidance.

Oportun Financial Corporation reported strong second-quarter results, exceeding guidance metrics with significant growth in originations and total revenue. Membership and product adoption also saw substantial increases. However, the company is revising its charge-off guidance upward and lowering profit expectations due to a weakening macroeconomic backdrop.

Oportun reported a strong first quarter in 2022, with significant growth in originations, revenue, and EPS. The company's member base and product adoption also saw substantial increases. Oportun is raising its full-year 2022 guidance for revenue and adjusted EPS.

Oportun reported record originations and revenue for Q4 2021. The acquisition of Digit expanded the company's member base to 1.5 million and provided a new digital banking platform.

Oportun Financial Corporation reported strong financial results for the third quarter ended September 30, 2021. The company saw significant growth in aggregate originations, revenue, and earnings. Oportun's AI-driven digital platform now reaches 45 states, contributing to robust production across all channels and partnerships.

Oportun Financial Corporation reported strong second-quarter results, with aggregate originations growth of 175% year-over-year. Diluted EPS was $0.24, and Adjusted EPS was $0.56. The company's growth is attributed to broader engagement with new and returning customers across its digital platform and delivering some of the best credit metrics in the company's history.

Oportun Financial Corporation reported strong first quarter 2021 financial results with GAAP diluted EPS of $0.10 and Adjusted EPS of $0.41. The company's credit performance demonstrated the efficacy of its A.I.-driven models and reflected the favorable economic environment and stimulus impact.

Oportun Financial Corporation reported solid fourth-quarter results, with a net income of $8.5 million, or $0.29 per diluted share, and an adjusted net income of $17.5 million, or $0.60 per diluted share. The company is focusing on enhancing its digital capabilities to drive more capital-efficient growth.

Oportun's Q3 2020 results showed a near doubling of originations quarter over quarter, profitable Adjusted EPS, strong credit performance, and a strengthened capital and liquidity position. The company also announced a partnership agreement with MetaBank to expand services across the nation.

Oportun Financial Corporation reported second quarter 2020 financial results. The company's CEO noted improving credit trends, steadily increasing originations, and a continued strong balance sheet due to actions taken during the quarter. The company remains committed to financial inclusion and affordable financial services, innovating with technology to serve customers during the economic uncertainty.

Oportun Financial Corporation reported financial results for the first quarter ended March 31, 2020. Total revenue increased by 18% year-over-year, but the company experienced a net loss compared to net income in the prior-year period, primarily due to the economic changes associated with the COVID-19 pandemic.