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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 3 Analysts Ratings
Earnings Call Summary
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
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.
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.