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Oportun Financial Corp (OPRT) stock

OPRTNasdaqFinance ServicesFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 8/307% below fair value
$11.73−0.03 (-0.26%)

Close on Nov 13, 2026Market cap $539.43MP/E 15.9Yield –

Earnings

Oportun Financial's quarterly results as reported in its earnings releases, with the company's own outlook. Hover a number to see the sentence it came from.

Next report
Jan 20, 2027
Q4 FY2026 · estimated, during market hours
Revenue, Q3 FY2026
$246.00M
+2.9% on a year earlier
Adjusted EPS, Q3 FY2026
$0.51
$0.39 a year earlier
Latest guidance
Issued
Nov 3, 2026 · 8 items

Quarterly results

Revenue and earnings per share from each of Oportun Financial's earnings releases, newest first

QuarterReportedRevenueYoYEPSAdj. EPSSource
Q4 FY2026ended Dec 31, 2026Jan 20, 2027Expected–––––
Q3 FY2026ended Sep 30, 2026Nov 3, 2026after the close$246.00M+2.9%$0.45$0.51Release
Q2 FY2026ended Jun 30, 2026Aug 5, 2026during market hours$233.00M-0.4%$0.17$0.42Release
Q1 FY2026ended Mar 31, 2026May 7, 2026during market hours$229.00M-3.0%$0.05$0.21Release
Q4 FY2025ended Dec 31, 2025Jan 21, 2026during market hours––––Release
Q3 FY2025ended Sep 30, 2025Nov 4, 2025during market hours$239.00M-4.4%$0.11$0.39Release
Q2 FY2025ended Jun 30, 2025Aug 6, 2025during market hours$234.00M–$0.14$0.31Release
Q1 FY2025ended Mar 31, 2025May 8, 2025during market hours$236.00M-5.6%$0.21$0.40Release
Q4 FY2024ended Dec 31, 2024Feb 12, 2025during market hours$251.00M-4.6%$0.20$0.49Release
Q3 FY2024ended Sep 30, 2024Nov 12, 2024during market hours$250.00M-6.7%-$0.75$0.02Release
Q2 FY2024ended Jun 30, 2024Aug 8, 2024during market hours––––Release
Q1 FY2024ended Mar 31, 2024May 9, 2024during market hours$250.00M-3.8%-$0.68$0.09Release

Figures as first announced; later restatements appear under Financials. Expected dates are estimated from the company's past reporting pattern.

Current guidance

Oportun Financial's latest outlook for periods it has not reported yet, compared with what it said before

MetricPeriodGuidanceBeforeChangeGiven
Total RevenueGAAPQ4 FY2026$247.00M – $252.00M–NewNov 3, 2026
Adjusted EBITDAnon-GAAPQ4 FY2026$49.00M – $54.00M–NewNov 3, 2026
Annualized Net Charge-Off RateQ4 FY202611.05%–NewNov 3, 2026
Total RevenueGAAPFY2026$955.00M – $960.00M–NewNov 3, 2026
Total RevenueFY2026$935.00M – $955.00M$935.00M – $955.00MReaffirmedAug 5, 2026
Adjusted EBITDAnon-GAAPFY2026$183.00M – $188.00M–NewNov 3, 2026
Adjusted EBITDAnon-GAAPFY2026$160.00M – $175.00M$150.00M – $165.00MRaisedAug 5, 2026
Diluted earnings per shareGAAPFY2026$1.03 – $1.19–NewMay 7, 2026
Adjusted EPSnon-GAAPFY2026$1.60 – $1.70–NewNov 3, 2026
Adjusted EPSnon-GAAPFY2026$1.50 – $1.65$1.50 – $1.65ReaffirmedAug 5, 2026
Adjusted Net Incomenon-GAAPFY2026$80.00M – $85.00M–NewNov 3, 2026
Adjusted Net Incomenon-GAAPFY2026$74.00M – $82.00M$74.00M – $82.00MReaffirmedAug 5, 2026
Annualized Net Charge-Off RateFY202611.6%–NewNov 3, 2026
Annualized Net Charge-Off RateFY202611.7%11.9%LoweredAug 5, 2026

Guidance vs results

The last range Oportun Financial gave before each report, against the figure it then reported. Full years add up the four quarters.

PeriodMetricGuidanceActualResult
Q3 FY2026Revenue$235.00M – $240.00M$246.00MAbove range
Q2 FY2026Revenue$227.00M – $232.00M$233.00MAbove range
Q1 FY2025Revenue$225.00M – $230.00M$236.00MAbove range
Q4 FY2024Revenue$246.00M – $250.00M$251.00MAbove range
Q1 FY2024Revenue$233.00M – $238.00M$250.00MAbove range
Q4 FY2023Revenue$260.00M – $265.00M$263.00MWithin range
Q3 FY2023Revenue$260.00M – $265.00M$268.00MAbove range
Q2 FY2023Revenue$250.00M – $255.00M$267.00MAbove range
Q1 FY2023Revenue$245.00M – $250.00M$260.00MAbove range
Q4 FY2022Adjusted EPS$0.24 – $0.30$0.14Below range
Q4 FY2022Revenue$255.00M – $260.00M$262.00MAbove range
Q3 FY2022Adjusted EPS-$0.12 – -$0.06$0.25Above range

Guidance history

Every forecast Oportun Financial put in an earnings release, newest first

GivenMetricPeriodGuidanceChange
Nov 3, 2026Adjusted EBITDAFY2026$183.00M – $188.00MNew
Nov 3, 2026Adjusted EBITDAQ4 FY2026$49.00M – $54.00MNew
Nov 3, 2026Adjusted EPSFY2026$1.60 – $1.70New
Nov 3, 2026Annualized Net Charge-Off RateQ4 FY202611.05%New
Nov 3, 2026Adjusted Net IncomeFY2026$80.00M – $85.00MNew
Nov 3, 2026Annualized Net Charge-Off RateFY202611.6%New
Nov 3, 2026Total RevenueFY2026$955.00M – $960.00MNew
Nov 3, 2026Total RevenueQ4 FY2026$247.00M – $252.00MNew
Aug 5, 2026Adjusted EBITDAQ3 FY2026$43.00M – $48.00MNew
Aug 5, 2026Adjusted EBITDAFY2026$160.00M – $175.00MRaised
Aug 5, 2026Adjusted EPSFY2026$1.50 – $1.65Reaffirmed
Aug 5, 2026Adjusted Net IncomeFY2026$74.00M – $82.00MReaffirmed
Aug 5, 2026Annualized Net Charge-Off RateFY202611.7%Lowered
Aug 5, 2026Annualized Net Charge-Off RateQ3 FY202611%New
Aug 5, 2026Total RevenueFY2026$935.00M – $955.00MReaffirmed
Aug 5, 2026Total RevenueQ3 FY2026$235.00M – $240.00MNew
May 7, 2026Adjusted EBITDAQ2 FY2026$34.00M – $39.00MNew
May 7, 2026Adjusted EBITDAFY2026$150.00M – $165.00MNew
May 7, 2026Adjusted EPSFY2026$1.50 – $1.65New
May 7, 2026Diluted earnings per shareFY2026$1.03 – $1.19New

Read from the company's earnings releases; each figure links to its sentence on hover. “Raised” and “Lowered” compare with the previous range for the same metric and period.

Press releases

Releases Oportun Financial filed with the SEC as exhibits to Form 8-K or 6-K

  1. Oportun Returns to Revenue Growth and Raises Full-Year Outlook
    Results
  2. Oportun Names Bill Franklin as Chief Financial Officer
    News
  3. Oportun Outperforms Second Quarter Guidance
    Results
  4. Oportun Appoints Sean Rowles as Chief Risk Officer
    News
  5. Oportun Reports First Quarter 2026 Results; Extends GAAP Profitability Streak
    Results
  6. Oportun Appoints Doug Bland as Chief Executive Officer to Lead Next Phase of Growth and Profitability
    News
  7. Oportun Delivers Strong Fourth Quarter, Increases Net Income by $104 Million in Full Year 2025
    Results
  8. Oportun Strengthens Debt Capital Structure With $485 Million Asset Backed Securitization and Corporate Debt Repayments
    News
  9. Oportun Announces CEO Succession Plan
    Results
  10. Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance
    Results
  11. Oportun Adds Additional Warehouse Capacity, Reduces Warehouse
    News
  12. Oportun Completes $441 Million Asset Backed Securitization
    News
  13. Oportun Achieves Third Straight Quarter of GAAP Profitability and Raises Full-Year 2025 Outlook
    Results
  14. Oportun Reports First Quarter 2025 Financial Results
    Results
  15. Oportun Reports Fourth Quarter and Full Year 2024 Financial Results
    Results

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