Every 10-Q that Oportun Financial Corporation (OPRT) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow OPRT and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full OPRT filings page.
Oportun Financial Corporation reported Q2 2026 total revenue of $233.2 million, essentially flat year over year, with interest income steady and non-interest income lower. Net revenue was $105.6 million, and net income rose to $8.5 million (diluted EPS $0.17) from $6.9 million in Q2 2025, helped by sharply lower interest expense and a reduced cost of debt.
For the first six months of 2026, revenue was $462.0 million and net income $10.9 million, below the prior-year period. Loans receivable at fair value were $2.74 billion and managed principal balance $2.78 billion, both down from a year earlier, while Q2 aggregate originations edged up to $487.7 million. Credit performance showed a portfolio yield of 33.3%, 30+ day delinquencies improving to 4.0% from 4.4%, and annualized net charge-offs at 12.0%, slightly above last year. Total assets were $3.13 billion with stockholders’ equity of $407.1 million. The company continued to rely on secured and asset-backed borrowings, voluntarily prepaid $30.0 million of its 15.0% corporate term loan, added a new $50.0 million personal loan warehouse facility, and entered a new bank partnership with Column to originate unsecured personal loans.
Oportun Financial Corporation reported lower profitability for the quarter ended March 31, 2026. Total revenue slipped to $228.8M from $235.9M, as interest income declined modestly and non-interest income fell to $13.1M on weaker Pathward program and savings-related revenue.
Net income dropped to $2.3M from $9.8M, driven by a larger net decrease in fair value of loans and asset-backed notes and slightly higher net charge-offs of $84.9M. The Annualized Net Charge-Off Rate rose to 12.7%, while the 30+ Day Delinquency Rate improved slightly to 4.5%. Operating expenses were essentially flat at $91.3M, with lower technology and marketing spend offset by higher personnel costs.
On the balance sheet, Loans Receivable at Fair Value were $2.77B and total assets were $3.17B. Total liabilities fell to $2.77B, and stockholders’ equity increased to $396.3M, aided by warrant exercises and stock-based compensation. Oportun continued to rely on securitizations and secured facilities, issuing a $485.0M 2026-A asset-backed deal and redeeming higher-cost notes, which helped reduce its Cost of Debt to 7.0%.
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.