Oportun Financial Corp Stock Price, News & Analysis

Oportun (Nasdaq: OPRT) released its 2025 Holiday Savings Report showing members saved $6.5 million year-to-date, a 30% increase from 2024. The report covers Set & Save holiday-tagged goals from January through September 2025 and highlights stronger household preparedness for a costlier holiday season.

Key metrics: average member saved $1,051 Jan–Sep 2025; Q3 catch-up savings $431 (Q3 average, +10% YoY); average Q3 withdrawals of $605; top saver states: Kansas, Washington, Colorado; lowest: North Carolina, Michigan, Idaho. The report also notes a consistent 20%+ year-start increase in deadline-driven goals.

Oportun (Nasdaq: OPRT) reported third-quarter 2025 results, marking its fourth consecutive quarter of GAAP profitability with GAAP net income of $5.2M (a $35M year-over-year improvement) and GAAP EPS of $0.11. Adjusted EPS was $0.39 and Adjusted EBITDA rose 31% to $41M. Total revenue was $239M, down 5% year-over-year, while net revenue improved to $105M. Aggregate originations grew to $512M (+7%).

The company lowered full-year GAAP operating expense guidance to ~$370M, increased warehouse capacity to $1.14B, and trimmed funding costs, enabling a 4% increase to the midpoint of full-year Adjusted EPS guidance to $1.30–$1.40 (81%–94% YoY growth implied).

Oportun (Nasdaq: OPRT) will report third quarter 2025 financial results on Tuesday, November 4, 2025 after market close.

The company will host a conference call and live webcast to discuss results on November 4, 2025 at 5:00 PM ET / 2:00 PM PT. The live webcast is accessible at investor.oportun.com, and a replay will be available for one year.

Dial-in numbers: 1-866-604-1698 (toll-free) or 1-201-389-0844 (international). Participants should call 10 minutes before the start time.

Oportun (Nasdaq: OPRT) issued $441 million of two-year revolving fixed-rate asset-backed notes secured by a pool of unsecured and secured installment loans on October 20, 2025. The offering included five classes (A–E) with Fitch ratings of AAA, AA-, A-, BBB-, and BB- respectively.

The transaction carried a weighted average coupon of 5.69% and a weighted average yield of 5.77%; class coupons ranged from 4.53% (Class A) to 10.82% (Class E). Notes were offered under Rule 144A.

Oportun (Nasdaq: OPRT) announced changes to its debt capital structure on October 14, 2025 that expand committed warehouse capacity, extend facility tenor and reduce higher-cost corporate debt.

Key actions include closing a $247 million three-year revolving warehouse with Citizens Financial Group and Community Investment Management; a 12-month extension of an existing Goldman Sachs/Jefferies warehouse; increasing committed warehouse capacity from $954 million to $1.14 billion; raising the weighted average remaining term from 17 to 25 months; and repaying $17.5 million in October for a total $50 million corporate debt paydown since October 2024, reducing that facility from $235 million to $185 million.

Oportun (Nasdaq: OPRT), a mission-driven financial services company, has announced its participation in the upcoming Sidoti September Virtual Investor Conference. CEO Raul Vazquez and Interim CFO Paul Appleton will deliver a presentation and engage in investor meetings during the event.

The presentation is scheduled for September 18th at 1:00 pm ET and will be accessible via live webcast. Investors can access the presentation through the provided link or through Oportun's Investor Relations website. A replay will remain available for 90 days following the conference.

Pathward Financial (Nasdaq: CASH) has announced the extension of its partnership with Oportun Financial Corporation through 2029. The agreement enables Pathward to continue originating both secured and unsecured personal loans nationwide under Oportun-developed programs.

Under the partnership, which began in 2020, Oportun manages marketing, underwriting, fraud prevention, and loan servicing, while Pathward provides banking services and oversight. The collaboration aims to increase financial access for underserved populations, leveraging Oportun's technology and Pathward's compliance standards.

Notably, Oportun, recently recognized on CNBC's World's Top Fintech Companies 2025 list, offers lending solutions through online, mobile, and 127 physical stores across various states.

Oportun (Nasdaq: OPRT) has announced the recipients of its 2025 Oportun Scholarship Program, awarding scholarships to 25 students from California and Texas. Recipients will receive financial aid along with four years of free access to Oportun's Set and Save™ app and up to $500 in savings matching.

The selected students will pursue degrees in various fields including Aviation, Biochemistry, Economics, and Engineering at prestigious institutions such as Harvard College, UCLA, and USC. The need-based program, which has supported 56 scholars to date, targets students pursuing full-time undergraduate education with preference for non-medical STEM or finance-related majors.

Oportun (Nasdaq: OPRT) has successfully completed a $538 million asset-backed securitization backed by unsecured and secured installment loans. The two-year revolving fixed rate notes were issued in five classes, with the Class A notes receiving a AAA rating from Fitch. The transaction achieved a weighted average yield of 5.294%, marking a 38 basis points improvement from their June financing.

The offering featured coupon rates ranging from 4.49% for Class A notes to 9.20% for Class E notes. Additionally, Oportun has proactively paid down $10 million of higher-cost corporate debt, reducing their October 2024 corporate financing facility balance to $212.5 million from the initial $235 million.