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Oportun Financial
Oportun Financial (OPRT) investor relations material
Oportun Financial Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Achieved fifth consecutive quarter of GAAP profitability in Q4 2025, meeting or exceeding all guidance metrics, with full-year GAAP net income up $104 million year-over-year to $25 million and Adjusted EPS up 89%.
Originations grew 10% for the year, while operating expenses declined 12% and interest expense fell 3%.
Strategic focus on improving credit outcomes, strengthening business economics, and identifying high-quality originations drove performance.
CEO Raul Vazquez announced his planned departure, with a transition to an advisory role through July 2024.
Financial highlights
FY2025 total revenue was $957 million, down $45 million year-over-year due to the credit card portfolio sale and credit tightening, but net revenue rose $111 million (37%) to $406 million.
Adjusted EPS for FY2025 was $1.36, up 89% year-over-year; Adjusted Net Income was $65 million, up 122%.
Adjusted EBITDA for FY2025 was $148 million, up 42% year-over-year.
Q4 2025 total revenue was $248 million, down 1% year-over-year due to the absence of credit card revenue after portfolio sale.
Q4 net income was $3.4 million; Q4 Adjusted EPS was $0.27.
Outlook and guidance
FY2026 guidance: Adjusted EPS of $1.50–$1.65, total revenue of $935–$955 million, Adjusted EBITDA of $150–$165 million, and annualized net charge-off rate of 11.9% ± 50 bps.
Expect mid-single-digit originations growth, 1–2% decline in average daily principal balance, and at least 10% reduction in interest expense.
Anticipate higher profitability in the second half of 2026 as originations ramp and loss rates improve.
Modest incremental profit expected from risk-based pricing initiatives in 2026, with greater impact anticipated in 2027.
Q1 2026 guidance: Total revenue of $225–$230 million, Adjusted EBITDA of $25–$30 million, and Adjusted EPS of $0.50–$0.55.
Impact of risk-based pricing reintroduction
Why 2026 OpEx flat despite Q4 record low?
Conditions for loosening credit box
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Next Oportun Financial earnings date
Sidoti March Small-Cap Virtual Conference18 Mar, 2026
Oportun Financial
Next Oportun Financial earnings date
Sidoti March Small-Cap Virtual Conference18 Mar, 2026
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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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