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 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.
Reporting person: Kathleen Layton, Chief Legal Officer of Oportun Financial Corp (OPRT). Transaction: On 09/10/2025 Ms. Layton had 4,214 shares of OPRT sold to cover tax withholding from the vesting of restricted stock units. The sales were automatic to satisfy tax obligations and were not discretionary trades by the reporting person. The weighted average sale price was $6.64, with individual trades ranging from $6.63 to $6.665 per share. After the transaction Ms. Layton beneficially owned 159,184 shares, held directly. The Form 4 was signed on 09/11/2025.
Oportun Financial Corporation (OPRT) filed a Form 144 reporting a proposed sale of 4,226 shares of common stock through Charles Schwab & Co., Inc. on 09/10/2025. The filing lists an aggregate market value of $28,067.00 and indicates 44,009,399 shares outstanding, placing the proposed sale at under 0.01% of outstanding shares.
The shares were recorded as acquired on 09/10/2025 via a Restricted Stock Lapse from Oportun Financial Corp and the consideration type is noted as Equity Compensation. The filer represents there are no undisclosed material adverse facts about the issuer.
Oportun Financial Corporation (OPRT) filed an amended Form 144 notifying a proposed sale of 3,417 common shares with an aggregate market value of $23,748.00. The shares are to be sold on 09/04/2025 on NASDAQ through Charles Schwab & Co., Inc. The securities were acquired on 06/28/2024 by a restricted stock lapse from Oportun Financial Corp and were received as equity compensation. The filer reports no securities sold by the same person during the past three months and affirms no undisclosed material adverse information.
Oportun Financial Corp (OPRT) filed a Form 144 reporting a proposed sale of 3,417 common shares by a person for whose account the securities are to be sold. The filing shows an aggregate market value of $23,748 based on the proposed sale and indicates 44,009,399 shares outstanding. The shares were acquired on 06/28/2024 through a restricted stock lapse as equity compensation from Oportun Financial Corp. The filing lists Charles Schwab & Co., Inc. as the broker and an approximate sale date of 09/04/2025. No securities were reported sold by this person in the past three months.
Oportun Financial Corporation amended its Current Report to disclose the appointment of Warren Wilcox to the board and to update board composition and non-employee director compensation. Mr. Wilcox will receive $50,000 annual cash for board service, $10,000 for Audit and Risk Committee service, and $7,500 for Compensation and Leadership Committee service, paid quarterly and prorated. He was granted a restricted stock unit award under the 2019 Equity Incentive Plan with an annual value of $125,000, prorated from appointment, vesting in four equal installments and fully vesting on July 18, 2026 subject to continued service.
FAQ
What is the current stock price of Oportun Financial (OPRT)?
What is the market cap of Oportun Financial (OPRT)?
