Oportun Financial Corp (OPRT) company profile
Close on Nov 13, 2026Market cap $539.43MP/E 15.9Yield –
About Oportun Financial
Finance Services, SIC 6199
Oportun provides credit and savings services for consumers underserved by mainstream financial institutions. The company offers unsecured personal installment loans, auto-secured personal loans, and an automated savings tool called Set & Save. Utilizing alternative data and machine learning algorithms, Oportun scores applicants with limited or no credit history. Its customers include individuals seeking affordable credit to cover unexpected expenses or build credit profiles, as well as members wanting automated daily money management.
The company operates nationwide in the United States through digital channels, telesales, and 126 retail locations, alongside 465 partner retail sites. It issues unsecured personal loans in two states via state licenses and thirty-nine states through a bank partner, while offering secured loans in eight states. Oportun employs 2,405 full-time and 83 part-time personnel globally, including 332 United States corporate employees within a remote-first work model. The text does not state its headquarters location.
Summary of the business section of Oportun Financial's latest annual report, written by StockData.
Company profile
Company
- Legal name
- Oportun Financial Corp
- Founded
- 2005
- Headquarters
- San Mateo, CA
- Address
- 1825 South Grant Street, Suite 850 94402
- Phone
- (650) 810-8823
- Website
- oportun.com
- Employees
- 83, Dec 31, 2025
- Industry
- Finance Services
- Incorporated in
- Delaware
- Fiscal year ends
- December 31
- Auditor
- Deloitte & Touche LLP, San Francisco, CA
Stock & identifiers
- Ticker
- OPRT
- Exchange
- Nasdaq
- IPO date
- Sep 27, 2019
- Shares outstanding
- 46M, Jul 30, 2026
- Public float
- $234.60M, Jun 30, 2025
- Filer category
- Accelerated filer<br>Smaller reporting company
- SEC CIK
- 1538716
- CUSIP
- 68376D104
- ISIN
- US68376D1046
- FIGI
- BBG000BC9XG1
- Share class FIGI
- BBG001S8N4V1
- LEI
- 549300351Y4J4FKIOR78
- EIN
- 45-3361983
Executives and directors
Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years
| Name | Position | Shares owned |
|---|---|---|
| Douglas K. Bland | Chief Executive Officer, Director | 463,822 |
| Raul Vazquez | Chief Executive Officer, Director | 1,634,148 |
| Kathleen I. Layton | Chief Legal Officer | 292,006 |
| William H. Franklin | CHIEF FINANCIAL OFFICER | 0 |
| Joseph Andrew Schueller | SVP-Controller, CAO | 71,121 |
| Sean A. Rowles | Chief Risk Officer | 382,653 |
| Gaurav Rana | CO-PEO, GM OF LENDING | 180,056 |
| Patrick Kirscht | Chief Credit Officer | 478,952 |
| Casey Mueller | Global Controller and PAO | 197,168 |
| Jonathan Aaron Coblentz | CFO & Chief Admin Officer | 521,366 |
| Scott Scheirman | Director | 20,869 |
| Richard N. Tambor | Director | 97,646 |
| Carlos Minetti | Director | 88,463 |
| Ginny Lee | Director | 121,387 |
| Mohit Daswani | Director | 80,883 |
| Warren Wilcox | Director | 38,910 |
| Louis Miramontes | Director | 118,972 |
| Jo Ann Barefoot | Director | 95,643 |
| Sandra Adele Smith | Director | 80,740 |
| R. Neil Williams | Director | 140,338 |
CEO pay and shareholder return
Pay versus performance table from the proxy statement
| Fiscal year | CEO total pay | CEO pay actually paid | Other executives (avg) | Value of $100 invested | Peer group |
|---|---|---|---|---|---|
| FY2025 | $4.33M | $4.56M | $2.20M | $96 | – |
| FY2024 | $1.89M | $1.78M | $788.45K | $70 | – |
| FY2023 | $1.69M | $1.59M | $865.00K | $20 | – |
“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.
Executive compensation, fiscal 2025
Summary compensation table from the latest proxy statement
| Executive | Salary | Stock awards | Incentive pay | Total | vs. prior year |
|---|---|---|---|---|---|
| Raul Vazquez Chief Executive Officer | $716.16K | $2.86M | $749.70K | $4.33M | +128% |
| Kathleen Layton Chief Legal Officer and Corporate Secretary | $414.23K | $1.22M | $233.28K | $1.87M | +136% |
| Patrick Kirscht Chief Credit Officer | $503.30K | $1.65M | $370.22K | $2.53M | +96% |
Stock and option awards are grant-date fair values, not realized pay. “Other” includes pension value changes and all other compensation. Source proxy statement.
IPO
From the final prospectus (Form 424B4) and the first day of trading
Offering
- Type
- Initial public offering
- Final prospectus filed
- Sep 27, 2019
- Offer price
- $15.00
- Securities offered
- 6,250,000
- Gross proceeds
- $93.75M
- Exchange
- Nasdaq
- First trading day
- Sep 26, 2019
- First-day close
- $16.17+7.8%
- Lock-up ends (est.)
- Mar 24, 2020
“The initial public offering price is $15.00 per share.”
Lock-up end is estimated as 180 days after the first trading day; the prospectus sets the actual terms.
Employees
Headcount reported in annual reports
“We had 2,405 full-time and 83 part-time employees worldwide as of December 31, 2025.”
Corporate history
Events identified from SEC filings
| Date | Event | Details |
|---|---|---|
| Nov 12, 2024 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Mar 1, 2022 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Dec 22, 2021 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Sep 27, 2019 | IPO | Initial public offering priced (424B4 prospectus) |
| Sep 16, 2019 | Listing | Registration of securities on an exchange (Form 8-A) |
| Sep 10, 2013 | Name change | Name changed from Progreso Financiero Holdings, Inc. to Oportun Financial Corp |
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