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Oportun Financial Corp (OPRT)
NASDAQ:OPRT
Earnings Data
Report Date
May 11, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.2Last Year’s EPS
0.4Same Quarter Last Year
Moderate Buy
Based on 3 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlights meaningful progress on profitability, expense reduction, unit economics and balance sheet optimization (improved ROE, lower OpEx ratios, stronger liquidity and lower funding costs). Management presented constructive 2026 guidance (EPS growth and lower interest expense) while acknowledging near-term headwinds: elevated charge-offs/delinquencies, muted originations and revenue pressure from continued tight credit and macro uncertainty. The company also disclosed transitional items (Pathward wind-down, debt-repayment charges) that temporarily weighed on adjusted results and GAAP comparisons. Overall, operational and capital improvements dominate the discussion, while near-term credit and revenue challenges are being managed with a conservative approach and targeted initiatives (SPL growth, selective risk-based pricing) that aim to improve longer-term returns.Company Guidance
Sustained GAAP Profitability and Strong Full-Year Improvement
Generated $25 million of GAAP net income in 2025 (Q4: $3.4 million). Full year GAAP net income improved by $104 million year-over-year and adjusted EPS grew 89% (full year adjusted EPS $1.36, toward the high end of guidance).
Record Cost Discipline and Operating Expense Reductions
Full year 2025 GAAP operating expenses totaled $362 million, a $49 million or 12% reduction versus 2024. Q4 operating expenses were $84 million, below the $92 million expectation. Q4 adjusted OpEx ratio reached a record low of 11.6% and GAAP OpEx ratio improved to 12.0% (from 13.1% prior year quarter).
Improved Unit Economics and ROE Expansion
Full year 2025 adjusted ROE improved to 17.5%, up nearly 1,000 basis points year-over-year. Risk-adjusted net interest margin ratio improved 55 basis points to 15.8%. Full year adjusted OpEx ratio improved 109 basis points to 12.7% of the owned portfolio.
Originations Growth and Secured Personal Loan Momentum
Originations grew 10% in full year 2025 while maintaining conservative credit posture. Secured personal loan (SPL) originations increased 51% YoY, secured portfolio grew 39% to $226 million and secured loans now represent 8% of the owned portfolio (up from 6% at year-end 2024). Secured personal loan losses were >600 basis points lower than unsecured loans.
Lower Customer Acquisition Cost and Strong Loan Demand
Customer acquisition cost declined 6% to $117 on average while loan application growth more than doubled originations growth, indicating strong demand and improved acquisition efficiency.
Balance Sheet Optimization and Lower Cost of Capital
Completed a $485 million ABS at a 5.32% weighted average yield (fourth consecutive sub-6% ABS issuance), raising $1.9 billion in ABS at sub-6% yields over the last 9 months. Increased committed warehouse capacity from $954 million to $1.14 billion and extended weighted average warehouse term from 17 to 25 months.
Reduced Interest Expense and Deleveraging Progress
Reported Q4 interest expense was $58 million (down $16 million YoY). Excluding extinguishment costs, interest expense was $52 million and $4.1 million lower than Q3. Reduced corporate debt outstanding on the $235 million facility by $70 million (30% reduction) in 2025 and lowered debt-to-equity to 7.2x from 7.9x a year ago.
Strong Q4 Adjusted EBITDA and Positive 2026 EPS Outlook
Q4 adjusted EBITDA was $42 million, exceeding the top of guidance by $5.5 million (15%). Initial 2026 guidance implies adjusted EPS of $1.50 to $1.65 (midpoint implying ~16% adjusted EPS growth) and adjusted EBITDA of $150 million to $165 million, with an expected interest expense reduction of at least 10% in 2026.
Underwriting and Decisioning Enhancements
Shifted originations mix toward returning members (74% of H2 originations vs 64% in H1), introduced early-default models for new and returning members, added five new data sources to underwriting, and plan to upgrade decisioning infrastructure in 2026 to accelerate model training and deployment.
Improved Liquidity and Cash Position
Increased unrestricted cash by $46 million (76% increase) during 2025 to reach total cash of $199 million (unrestricted $106 million, restricted $93 million) at year-end 2025.
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 |
|---|---|---|---|
Feb 26, 2026 | $5.46 | $5.18 | -5.13% |
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% |
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 May 11, 2026, After Close (Confirmed).
What is Oportun Financial Corp (OPRT) earnings time?
Oportun Financial Corp (OPRT) earnings time is at May 11, 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 2026 (Q1) is 0.2.