Welcome to our dedicated page for Oportun Financial SEC filings (Ticker: OPRT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Oportun Financial Corporation (OPRT) SEC filings page provides access to the company’s official regulatory disclosures as a Nasdaq-listed financial services issuer. Through its Forms 10-K, 10-Q, and 8-K, Oportun reports detailed information on its consumer lending business, funding arrangements, governance, and material events. These filings complement the company’s press releases by presenting structured, legally mandated data about its operations and financial condition.
Oportun’s current reports on Form 8-K frequently address topics such as quarterly financial results, new warehouse financing facilities, asset-backed securitizations, amendments to bank partnership agreements, and governance changes. For example, recent 8-K filings describe the creation of a new warehouse facility with specified borrowing capacity and interest terms, the issuance of revolving fixed-rate asset-backed notes secured by unsecured and secured personal installment loans, and amendments to the company’s program agreement with Pathward, National Association regarding loan origination and retention.
Other 8-K filings cover board and governance matters, including the appointment of directors, changes to committee composition, and amendments to the company’s certificate of incorporation to eliminate supermajority voting provisions and declassify the board. These documents also discuss executive officer appointments and shareholder voting results at annual meetings, giving investors insight into Oportun’s governance framework and leadership structure.
Oportun’s periodic reports on Form 10-K and Form 10-Q (not reproduced here but accessible via EDGAR) typically include comprehensive financial statements, management’s discussion and analysis, risk factor disclosures, and segment information relevant to its lending, savings, and budgeting capabilities. They also provide detail on credit performance metrics, funding sources, and capital structure, including warehouse lines and securitizations.
On this page, users can also review insider transaction reports on Form 4 and related ownership filings, which disclose purchases, sales, and equity awards involving Oportun’s directors and officers. These filings help investors understand how insiders are transacting in OPRT stock over time.
Stock Titan enhances these filings with AI-powered summaries that explain key points from lengthy documents, highlight changes from prior periods, and surface important items such as new debt facilities, securitizations, or governance amendments. Real-time updates from the SEC’s EDGAR system ensure that new 8-K, 10-Q, 10-K, and Form 4 filings for Oportun appear promptly, while AI-generated overviews make it easier to interpret technical language and complex capital structure details.
Oportun Financial Corporation files its annual report describing 2025 net income of
Since 2005, Oportun has extended more than
The company’s strategy focuses on improving credit outcomes toward a 9%–11% net charge-off target, boosting loan yields, controlling expenses, and expanding higher-collateral secured personal loans and Lending as a Service partnerships, while remaining heavily reliant on bank partner Pathward for originations. Shares outstanding were 44,500,268 as of February 18, 2026.
Oportun Financial Corporation returned to profitability in 2025 and raised its outlook for 2026. Full year 2025 GAAP net income was
GAAP diluted EPS reached $0.53 and Adjusted EPS rose 89% to $1.36. Adjusted EBITDA grew 42% to
Management guided 2026 Adjusted EPS to $1.50–$1.65, Adjusted Net Income to
Oportun Financial Corporation completed a new asset-backed securitization, issuing about $485 million of two-year revolving fixed-rate notes backed by unsecured and secured personal installment loans. The deal includes five classes of notes, all rated by Fitch from AAA on the senior class down to BB- on the subordinated tranche.
The 2026-A transaction carries a weighted average coupon of 5.25% and a weighted average yield of 5.32%, which the company notes is 45 basis points lower than its October 2025 ABS deal and its fourth consecutive sub-6% ABS transaction. Oportun states it has raised more than $1.9 billion through the ABS market over the last nine months.
The company also highlights balance sheet improvements, saying strong core business performance enabled it to repay $70 million of corporate debt in 2025, including $37.5 million during the fourth quarter, as it continues to focus on lowering its cost of capital.
The Vanguard Group reported beneficial ownership of 2,263,271 shares of Oportun Financial Corp common stock, representing 5.12% of the class as of December 31, 2025.
Vanguard has shared power to vote 381,656 shares and shared power to dispose of 2,263,271 shares, with no sole voting or dispositive power. The shares are held for clients, who have rights to dividends and sale proceeds, but no single client has more than 5% of the class.
Vanguard states the position is held in the ordinary course of business and not to change or influence control of Oportun. It also notes an internal realignment effective January 12, 2026, after which certain subsidiaries or business divisions are expected to report beneficial ownership separately.
Oportun Financial Corporation is planning a leadership change, with CEO Raul Vazquez agreeing to step down as chief executive and board member. He will remain CEO and a director until a new CEO is appointed, but no later than April 3, 2026, and then continue as an advisor until July 1, 2026, to support the transition. The company states his transition is not related to any disagreement.
Under a transition agreement, Vazquez keeps his base salary, benefits and equity vesting while employed, remains eligible for a 2025 bonus if he stays through April 3, 2026, and then receives cash severance of $1,102,500 over 18 months plus a prorated payment based on $918,750. Oportun will pay up to 18 months of COBRA premiums, fully vest his unvested time-based restricted stock units, and allow certain 2025 performance-based units to remain eligible to vest under specified conditions. During a subsequent advisory period through July 3, 2026, he will be paid $61,250 per month. The company also furnished a press release with preliminary unaudited results for the fourth quarter and full year 2025.
Oportun Financial Corporation reported a return to profitability. For the quarter ended September 30, 2025, net income was $5.2 million compared with a net loss a year ago, as net revenue rose to $105.1 million on lower fair value losses and reduced operating expenses. Total revenue was $238.7 million, and operating expenses declined to $90.8 million.
The funding mix shifted meaningfully. Asset‑backed notes at fair value decreased to $352.8 million from $1.08 billion, while asset‑backed borrowings at amortized cost increased to $2.04 billion. The company issued $538.5 million of 2025‑C asset‑backed notes at a weighted average coupon of 5.23% and redeemed $131.6 million of 2022‑A notes. Cash provided by operating activities for the nine months was $304.5 million. Total assets were $3.19 billion and stockholders’ equity was $383.9 million.
Oportun amended its Pathward program to purchase 100% of newly originated loans effective October 1, 2025, and began acquiring Pathward’s retained portfolio with an initial purchase of about $115.0 million on October 3, 2025. Corporate financing outstanding principal was $202.5 million at a 15.00% rate, and the company remained in covenant compliance. Common shares outstanding were 44,129,020 as of October 29, 2025.
Oportun Financial Corporation furnished an 8-K announcing financial results for the fiscal quarter ended September 30, 2025, via a press release attached as Exhibit 99.1.
The company noted that the information in this report, including Exhibit 99.1, is being furnished and not filed under the Exchange Act, which means it is not subject to Section 18 liability and is not incorporated by reference unless expressly stated.
Oportun Financial Corporation expanded its funding capacity. The company entered a new three-year personal loan warehouse facility with approximately $247 million of borrowing capacity. Borrowings accrue interest at no greater than Term SOFR plus a weighted average spread up to 2.58%, with a 95.0% advance rate that can step down to 92.0% if default, delinquency, or liquidity triggers occur. The agreement includes customary representations, covenants on leverage, tangible net worth, and minimum unrestricted cash, and standard events of default that could allow lenders to accelerate repayment.
Separately, Oportun issued approximately $441 million of two-year revolving fixed-rate asset-backed notes through Oportun Issuance Trust 2025-D. The five note classes were privately placed under Rule 144A, with a weighted average yield of 5.77% and a weighted average coupon of 5.69%.
Oportun Financial Corp (OPRT) filed an 8-K containing forward-looking statements about an amendment to a Program Agreement that the company expects will eliminate derivative accounting associated with that agreement. The filing says the amendment relates to the timing, structure and anticipated purchase price of future loan purchases under the Program Agreement and notes the company plans to use existing warehouse financing vehicles to fund such purchases. It emphasizes these are forward-looking statements subject to risks including the parties' ability to satisfy closing conditions, the performance of the loan portfolio and prevailing economic conditions.
Joseph Andrew Schueller, SVP-Controller, PAO & PFO of Oportun Financial Corp (OPRT), was granted 28,090 Restricted Stock Units (RSUs) on 09/10/2025. The report shows the reporting person beneficially owns 28,090 shares following the transaction, held in direct ownership. The RSUs vest over three years: one-third vests on the first anniversary of the grant date and the remaining two-thirds vest in quarterly installments thereafter, subject to continued service on each vesting date. Each RSU represents the right to receive one share of common stock at settlement. The Form 4 is signed on behalf of the reporting person by an attorney-in-fact on 09/11/2025.