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Dec 31, 2025
Oportun Q4 2025 Earnings Report
Oportun Q4 2025 Earnings Report
Key Takeaways
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.
Achieved fifth consecutive quarter of GAAP profitability with Q4 net income of $3.4 million.
Adjusted EBITDA of $42 million exceeded the top end of the company's guidance range by 15%.
Full year 2025 GAAP net income increased by $104 million compared to the prior year.
The company successfully completed the sale of its credit card portfolio and integrated the Pathward portfolio acquisition.
Revenue by Segment
Forward Guidance
Oportun expects improved profitability in 2026, guiding to a full-year Adjusted EPS between $1.50 and $1.65, representing 11% to 21% year-over-year growth.
Positive Outlook
- Full year 2026 revenue guidance of $935M to $955M.
- Expected Adjusted EBITDA of $150M to $165M for the full year.
- Projected Adjusted Net Income between $74M and $82M.
- Anticipated improvement in Net Charge-Off Rate to approximately 11.9% for the full year.
- Guidance reflects 11% to 21% growth in Adjusted EPS.
Challenges Ahead
- 1Q 2026 Net Charge-Off Rate expected to be higher at 12.65% +/- 15 bps.
- 1Q 2026 Adjusted EBITDA guidance of $25M to $30M is lower than Q4 2025 levels.
- Uncertainty in macroeconomic conditions impacting fair value mark-to-market adjustments.
- Potential quarterly volatility in loan portfolio valuations.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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