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Visual31 Oct 2025
Three decades of Rolls-Royce
Oportun Financial (OPRT) investor relations material
Oportun Financial Small-Cap Virtual Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Small-Cap Virtual Conference summary18 Sep, 2025
Business overview and product strategy
Offers unsecured and secured personal loans, plus an automated savings product, targeting underserved, low-to-moderate income individuals, with a bilingual approach and advanced AI-driven underwriting.
Originated over 7.7 million loans and extended $20.8 billion in credit since 2005, generating $1 billion in 2024 revenue and $105 million in adjusted EBITDA.
Secured personal loans grew 58% year over year, now 7% of portfolio, with lower credit losses and higher revenue per loan than unsecured loans.
Automated underwriting leverages AI, alternative data, and 100% income verification, enabling rapid adaptation to market changes.
Set and Save savings product helps members save $1,800 annually on average, with $11.9 billion saved since 2015.
Financial performance and guidance
Achieved third consecutive quarter of GAAP profitability, with $6.9 million net income and $0.14 diluted EPS in Q2; adjusted net income was $15 million and adjusted EPS $0.31.
Q2 originations reached $481 million, up 11% year over year; net revenue rose 74% year over year to $105 million, driven by improved credit performance and cost discipline.
Adjusted ROE improved to 16%, up 12 percentage points year over year; operating expenses fell 13% from prior year.
Full-year 2025 adjusted EPS guidance raised to $1.20–$1.40, representing 67%–94% growth over 2024; operating expenses expected to decline 7% year over year.
Deleveraged balance sheet, reducing debt-to-equity from 8.7x to 7.3x, with $105 million in operating cash flow and $618 million in available funding capacity.
Credit quality and risk management
Front book loans (originated since July 2022) show annualized net charge-off rate of 11.6%, outperforming back book and within target range.
Ongoing refinements to credit model and focus on existing members have improved credit outcomes and reduced losses.
Borrowers are resilient, with stable employment and housing; median gross income of $50,000 and average job/residence tenure over five years.
Delinquencies and dollar losses have declined year over year for six and seven consecutive quarters, respectively.
Minimal exposure to borrowers without ITIN or SSN, limiting impact from immigration policy changes.
Strategy for SPL geographic expansion?
Impact of PlaidCheck on underwriting decisions?
When will back book NCO impact be negligible?
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Next Oportun Financial earnings date
Q3 20254 Nov, 2025
Next Oportun Financial earnings date
Q3 20254 Nov, 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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