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Oportun Financial (OPRT) investor relations material
Oportun Financial Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Achieved fourth consecutive quarter of GAAP profitability, with Q3 2025 net income of $5.2 million, a $35 million year-over-year improvement, and net income of $21.8 million for the nine months ended September 30, 2025.
Adjusted EPS rose to $0.39 from $0.02 in the prior-year quarter; adjusted ROE reached 20% versus 1.1% a year ago.
Operating expenses declined 11% year-over-year, supporting margin expansion and profitability.
Aggregate loan originations grew 6.6%–7% year-over-year to $511.8–$512 million for Q3 2025, with referral-based and secured personal loan originations up 25% and 22%, respectively.
Leverage reduced to 7.1x from 8.7x prior year, and capital structure strengthened for future growth.
Financial highlights
Q3 2025 total revenue was $238.7–$239 million, down 4.5%–5% year-over-year due to the sale of the credit card portfolio.
Net revenue increased 68% year-over-year to $105 million, driven by improved fair value marks and lower net charge-offs.
Adjusted EBITDA was $41–$41.2 million for Q3 2025, up $10 million year-over-year and exceeding guidance.
Adjusted net income was $19 million, up from $0.9 million in the prior-year quarter.
Operating expenses for Q3 2025 decreased 11% year-over-year; year-to-date OpEx reduced by $43 million.
Outlook and guidance
Raised full-year 2025 Adjusted EPS guidance to $1.30–$1.40, reflecting 81%–94% year-over-year growth; Adjusted EBITDA expected at $137–$143 million.
Full-year 2025 revenue expected at $950–$955 million; annualized net charge-off rate forecasted at 12.1% ±10 bps.
Q4 2025 guidance: total revenue $241–$246 million, adjusted EBITDA $31–$37 million.
Expect high single-digit % originations growth for 2025, slightly below prior 10% guidance.
Management expects continued improvement in credit performance due to tightened underwriting and a higher mix of lower-risk, returning members.
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Next Oportun Financial earnings date
Sidoti's Year End Virtual Investor Conference10 Dec, 2025
Next Oportun Financial earnings date
Sidoti's Year End Virtual Investor Conference10 Dec, 2025
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Frequently asked questions
Oportun Financial Corporation is a financial services company that provides affordable lending products to individuals with limited or no credit history. The company offers personal loans, credit cards, and financial tools designed to help consumers build credit and achieve financial stability. Oportun primarily serves underbanked communities, leveraging technology to provide responsible and accessible credit options to a diverse customer base. The company is headquartered in San Carlos, California, and its shares are listed on the NASDAQ.
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