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Oportun Financial Corp (OPRT)
NASDAQ:OPRT
Earnings Data
Report Date
Nov 18, 2025After Close (Confirmed)
Period Ending
2025 (Q3)Consensus EPS Forecast
0.28Last Year’s EPS
0.02Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The earnings call presented a generally positive outlook with significant achievements in maintaining GAAP profitability, improving credit metrics, and successful cost reduction efforts. However, revenue was slightly below expectations due to higher repayment rates, and the net charge-off rate is expected to be higher than previously guided. These challenges are somewhat balanced by the increased EPS guidance and successful asset-backed securities transaction.Company Guidance -
Q3 2025
GAAP Profitability Achieved
Net income reached $6.9 million, marking the third consecutive quarter of GAAP profitability. This was driven by a $38 million year-over-year improvement.
Improved Credit Performance
The annualized net charge-off rate improved by 41 basis points to 11.9%, and the 30-plus day delinquency rate improved by 54 basis points to 4.4% year-over-year.
Cost-Reduction Success
Operating expenses were reduced by 13% year-over-year to $94 million, and the company now expects full year 2025 operating expenses to be $380 million, down from a prior expectation of $390 million.
Successful ABS Transaction
Completed a $439 million ABS transaction at a weighted average yield of 5.67%, a 128 basis point improvement from the prior transaction in January, and received a AAA rating on the most senior bonds.
Increased Adjusted EPS Guidance
Increased full year adjusted EPS guidance by 8% at the midpoint, now targeting $1.20 to $1.40 per share, representing growth of 67% to 94% versus last year's adjusted EPS levels.
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 |
|---|---|---|---|
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% |
Nov 12, 2024 | $3.11 | $3.00 | -3.54% |
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 Nov 18, 2025, After Close (Confirmed).
What is Oportun Financial Corp (OPRT) earnings time?
Oportun Financial Corp (OPRT) earnings time is at Nov 18, 2025, 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 (Q3) is 0.28.