Education
About Us
Working with TipRanks
Follow Us
Oportun Financial Corp (OPRT)
NASDAQ:OPRT
Earnings Data
Report Date
Feb 12, 2026After Close (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.28Last Year’s EPS
0.49Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflected a positive sentiment overall with continued profitability, improved credit performance, and effective cost management. However, challenges such as slightly lower originations and higher than expected delinquency rates were acknowledged.Company Guidance
Fourth Consecutive Quarter of GAAP Profitability
Oportun Financial reported GAAP profitability for the fourth consecutive quarter with a net income of $5.2 million, reflecting a $35 million year-over-year improvement.
Improved Credit Performance
The annualized net charge-off rate improved slightly to 11.8% from 11.9% in the prior year period, with a year-over-year improvement in 30-plus day delinquency rate by 44 basis points to 4.7%.
Expense Reduction
Operating expenses were reduced by 11% year-over-year to $91 million, marking the second lowest quarterly expense level since going public in 2019.
Enhanced Capital Structure
The debt-to-equity ratio decreased to 7.1x from 8.7x the previous year, with new ABS financings at weighted average yields below 6% and expanded warehouse financing capacity.
Growth in Secured Personal Loans
Secured personal loan originations increased 22% year-over-year, and the secured portfolio grew 48% year-over-year to $209 million.
OPRT Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
OPRT Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Nov 04, 2025 | $5.13 | $5.21 | +1.56% |
Aug 06, 2025 | $6.34 | $5.88 | -7.26% |
May 08, 2025 | $6.15 | $6.71 | +9.11% |
Feb 12, 2025 | $5.91 | $6.40 | +8.29% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Oportun Financial Corp (OPRT) report earnings?
Oportun Financial Corp (OPRT) is schdueled to report earning on Feb 12, 2026, After Close (Confirmed).
What is Oportun Financial Corp (OPRT) earnings time?
Oportun Financial Corp (OPRT) earnings time is at Feb 12, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is OPRT EPS forecast?
OPRT EPS forecast for the fiscal quarter 2025 (Q4) is 0.28.