tiprankstipranks
Trending News
More News >
Oportun Financial Corp (OPRT)
NASDAQ:OPRT
US Market
Advertisement

Oportun Financial (OPRT) Earnings Dates, Call Summary & Reports

Compare
199 Followers

Earnings Data

Report Date
Nov 18, 2025
After Close (Confirmed)
Period Ending
2025 (Q3)
Consensus EPS Forecast
0.28
Last Year’s EPS
0.02
Same Quarter Last Year
Based on 4 Analysts Ratings

Earnings Call Summary

Q2 2025
Earnings Call Date:Aug 06, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call highlighted Oportun's continued GAAP profitability, improved credit performance, reduced expenses, and successful ABS transaction, indicating strong operational execution. However, challenges included lower revenue due to higher repayment rates and an increased net charge-off rate expectation. Overall, the highlights significantly outweigh the lowlights, suggesting a positive sentiment.
Company Guidance
During the Oportun Financial second quarter 2025 earnings call, the company provided several key metrics and forward-looking guidance. Oportun announced a GAAP net income of $6.9 million, marking the third consecutive quarter of GAAP profitability with a year-over-year improvement of $38 million. The company achieved a 7% return on equity (ROE), up 41 percentage points from the prior year, and maintained an annualized net charge-off rate of 11.9%, which was 41 basis points better than the previous year. Operating expenses were $94 million, down 13% year-over-year, contributing to a full-year operating expense forecast of $380 million. Oportun completed a $439 million asset-backed securities (ABS) transaction at a weighted average yield of 5.67%, a 128 basis point improvement from the last issuance, and achieved a AAA rating on its most senior bonds. The company revised its full-year adjusted EPS guidance upwards by 8% at the midpoint, targeting $1.20 to $1.40 per share.
Third Consecutive Quarter of GAAP Profitability
Oportun achieved a net income of $6.9 million, marking the third consecutive quarter of GAAP profitability, driven by a $38 million year-over-year improvement and an ROE of 7%, up 41 percentage points year-over-year.
Improved Credit Performance
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.
Expense Reduction and Efficiency Gains
Operating expenses were reduced by 13% year-over-year to $94 million. Full year 2025 GAAP operating expenses are expected to be approximately $380 million, down $10 million from prior expectation and $30 million from 2024's level.
Successful ABS Transaction
Completed a $439 million ABS transaction with a weighted average yield of 5.67%, improving by 128 basis points from the prior transaction, and received a AAA rating on the most senior bonds.
Originations Growth
Q2 originations of $481 million were up 11% year-over-year, with secured personal loans growing by 58% to $195 million, or 7% of the portfolio.
Increased Adjusted EPS Guidance
Full year adjusted EPS guidance increased by 8% at the midpoint, now targeting $1.20 to $1.40 per share, representing strong growth of 67% to 94% versus last year's levels.

Oportun Financial (OPRT) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

OPRT Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Nov 18, 2025
2025 (Q3)
0.28 / -
0.02
Aug 06, 2025
2025 (Q2)
0.22 / 0.31
0.08287.50% (+0.23)
May 08, 2025
2025 (Q1)
0.08 / 0.40
0.09344.44% (+0.31)
Feb 12, 2025
2024 (Q4)
0.15 / 0.49
-0.54190.74% (+1.03)
Nov 12, 2024
2024 (Q3)
-0.05 / 0.02
-0.46104.35% (+0.48)
Aug 08, 2024
2024 (Q2)
-0.15 / 0.08
0.0633.33% (+0.02)
May 09, 2024
2024 (Q1)
-0.27 / 0.09
-2.6103.46% (+2.69)
Mar 12, 2024
2023 (Q4)
-0.37 / -0.54
0.14-485.71% (-0.68)
Nov 06, 2023
2023 (Q3)
0.32 / -0.46
0.25-284.00% (-0.71)
Aug 08, 2023
2023 (Q2)
-0.12 / 0.06
0.11-45.45% (-0.05)
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.
            What am I Missing?
            Make informed decisions based on Top Analysts' activity
            Know what industry insiders are buying
            Get actionable alerts from top Wall Street Analysts
            Find out before anyone else which stock is going to shoot up
            Get powerful stock screeners & detailed portfolio analysis