Oportun Financial Corp. (OPRT)
NASDAQ:OPRT
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Earnings Data
Report Date
Aug 12, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.33Last Year’s EPS
0.31Same Quarter Last Year
Based on 1 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Neutral
The call presents a mix of constructive balance-sheet and funding achievements (GAAP profitability, lower interest expense, stronger liquidity, deleveraging, ABS execution, secured-loan growth, and operating efficiency) alongside notable near-term challenges (an 11% decline in originations, elevated Q1 net charge-offs at 12.65%, lower adjusted EPS, and modest revenue declines). Management reiterated full-year guidance and outlined initiatives (risk-based pricing, payment protection, upgraded underwriting model B13) intended to drive improvement. Overall, results show clear progress on capitalization and cost of funds, but operational and credit-performance headwinds keep the tone measured.Company Guidance
GAAP Profitability Streak
Sixth consecutive quarter of GAAP profitability with net income of $2.3 million and diluted EPS of $0.05; adjusted net income of $10 million and adjusted EPS of $0.21.
Improved Credit Delinquency Trends
Q1 30+ delinquency rate of 4.5%, down 38 basis points sequentially and 18 basis points year over year; guidance expects Q2 30+ delinquency of 4.1%–4.2% (improvement of 22–32 bps vs Q2 2025).
Lower Interest Expense and Cost of Funds
Interest expense fell to $48 million, down $9 million year over year (16%); cost of funds improved from 8.2% to 7.0% (material improvement toward 8% target).
Balance Sheet Strength and Liquidity
Unrestricted cash totaled $130 million at quarter end, up $25 million from year-end 2025 and $52 million year over year; shareholders' equity increased $69 million (21% YoY).
Deleveraging Progress
Debt-to-equity ratio improved to 6.8x from 7.6x a year ago (peak 8.7x in Q3 2024); high-cost corporate debt reduced by $70 million (30% YoY) and corporate debt repayments since inception totaled $100 million.
ABS and Capital Markets Execution
Completed a $485 million ABS at a 5.32% yield in February; $1.9 billion in ABS issued at sub-6% yields over the last 12 months, supporting favorable access to funding.
Secured Loan Growth and Lower Losses
Secured personal loan originations grew 12% YoY and the secured portfolio grew 30% YoY to $233 million; secured loans now represent 9% of the owned portfolio (up from 7%), with average losses substantially lower than unsecured loans.
Expense Discipline and Efficiency Gains
Total operating expenses declined 1% YoY to $91 million; adjusted OpEx ratio improved from 13.3% to 12.7% (moving toward 12.5% target).
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 |
|---|---|---|---|
May 07, 2026 | $5.75 | $5.75 | -0.09% |
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% |
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 Aug 12, 2026, After Close (Confirmed).
What is Oportun Financial Corp. (OPRT) earnings time?
Oportun Financial Corp. (OPRT) earnings time is at Aug 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 2026 (Q2) is 0.33.