Oportun grants RSUs to director Carlos Minetti

Q: What did Oportun (OPRT) grant to director Carlos Minetti in this Form 4?

Oportun granted 20,869 restricted stock units (RSUs) of common stock to director Carlos Minetti. The award is equity compensation and each RSU will settle into one share of Oportun common stock if and when it vests and is settled.

Q: How do the 20,869 RSUs granted to OPRT director Minetti vest?

The 20,869 RSUs vest in four equal installments. Vesting occurs on November 11, 2026, February 11, 2027, May 11, 2027, and the earlier of the day before the 2027 annual stockholder meeting or August 11, 2027, conditioned on continued service.

Q: What does each Oportun (OPRT) RSU awarded to Minetti represent?

Each RSU in this award represents the right to receive one share of Oportun common stock at settlement. Settlement occurs after the respective vesting dates, provided Minetti satisfies the continued service condition tied to this director equity compensation grant.

Q: Are the OPRT RSUs granted to director Minetti tied to his continued service?

Yes. Vesting of the 20,869 RSUs is expressly subject to Carlos Minetti’s continued service through each vesting date. If he does not remain in service through a scheduled vesting date, the unvested portion of this equity award may be forfeited under the terms.

Oportun Financial Corp reported that director Carlos Minetti received an equity compensation award of 20,869 restricted stock units (RSUs) on August 11, 2026.

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Form Type

Rhea-AI Filing Summary

Oportun Financial Corp reported that director Carlos Minetti received an equity compensation award of 20,869 restricted stock units (RSUs) on August 11, 2026. These RSUs will vest in four installments: one-fourth on each of November 11, 2026, February 11, 2027, May 11, 2027, and on the earlier of the date immediately preceding the 2027 annual stockholder meeting or August 11, 2027, subject to his continued service. Each RSU converts into one share of common stock upon settlement. Following this award, Minetti directly holds 88,463 shares of Oportun common stock.

Insider Trade Summary

Grant/Award: 20,869 shares

Grant/Award 1 txn

Insider Minetti Carlos

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock ^{F1, F2}	20,869	--	--

Holdings After Transaction: Common Stock — 88,463 shares (Direct)

Footnotes (2)

F1. Represents an award of restricted stock units (RSUs) that will vest one-fourth on each of November 11, 2026, February 11, 2027, May 11, 2027, and upon the earlier of (i) the date immediately preceding the Issuer's 2027 annual stockholder meeting or (ii) August 11, 2027, subject to the Reporting Person's continued service through such date.
F2. Each RSU represents the right to receive, at settlement, one share of common stock.

Key Figures

RSUs granted: 20,869 RSUs Shares held after transaction: 88,463 shares Vesting completion latest date: August 11, 2027

3 metrics

RSUs granted 20,869 RSUs Equity award to director Carlos Minetti on August 11, 2026

Shares held after transaction 88,463 shares Direct ownership by Carlos Minetti following RSU award

Vesting completion latest date August 11, 2027 Final possible vesting date if earlier than 2027 annual meeting

Key Terms

restricted stock units (RSUs), settlement, continued service

3 terms

restricted stock units (RSUs) financial

"Represents an award of restricted stock units (RSUs) that will vest one-fourth"

Restricted stock units (RSUs) are a type of company promise to give employees shares of stock in the future, usually after certain conditions like working for a set time. They are like a gift promised today that you receive later, which can become valuable if the company's stock price goes up. RSUs matter because they are a way companies reward employees and can be a significant part of compensation.

settlement financial

"Each RSU represents the right to receive, at settlement, one share"

Settlement is the process of completing a financial transaction, like buying or selling a stock, by transferring money and ownership between parties. It ensures that both the buyer gets the asset and the seller gets paid, making the deal official. Without settlement, the transaction wouldn't be finalized or legally recognized.

continued service financial

"subject to the Reporting Person's continued service through such date"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

What did Oportun (OPRT) grant to director Carlos Minetti in this Form 4?

Oportun granted 20,869 restricted stock units (RSUs) of common stock to director Carlos Minetti. The award is equity compensation and each RSU will settle into one share of Oportun common stock if and when it vests and is settled.

How do the 20,869 RSUs granted to OPRT director Minetti vest?

The 20,869 RSUs vest in four equal installments. Vesting occurs on November 11, 2026, February 11, 2027, May 11, 2027, and the earlier of the day before the 2027 annual stockholder meeting or August 11, 2027, conditioned on continued service.

After this RSU award, how many OPRT shares does Carlos Minetti hold?

After the reported RSU grant, Carlos Minetti directly holds 88,463 shares of Oportun common stock. This figure reflects his ownership following the award of 20,869 RSUs, which themselves will convert into additional shares only upon settlement after vesting.

What does each Oportun (OPRT) RSU awarded to Minetti represent?

Each RSU in this award represents the right to receive one share of Oportun common stock at settlement. Settlement occurs after the respective vesting dates, provided Minetti satisfies the continued service condition tied to this director equity compensation grant.

Are the OPRT RSUs granted to director Minetti tied to his continued service?

Yes. Vesting of the 20,869 RSUs is expressly subject to Carlos Minetti’s continued service through each vesting date. If he does not remain in service through a scheduled vesting date, the unvested portion of this equity award may be forfeited under the terms.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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Accepted by SEC EDGAR 08/13/2026 - 05:35 PM EDT

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Minetti Carlos

(Last)

(First)

(Middle)

C/O OPORTUN FINANCIAL CORPORATION

1825 SOUTH GRANT STREET, SUITE 850

(Street)

SAN MATEO

CALIFORNIA

94402

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Issuer Name and Ticker or Trading Symbol
Oportun Financial Corp [ OPRT ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

X	Director	10% Owner
	Officer (give title below)	Other (specify below)

2a. Foreign Trading Symbol

3. Date of Earliest Transaction (Month/Day/Year)
08/11/2026

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	Amount	(A) or (D)	Price		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
Common Stock	08/11/2026		A		20,869⁽¹⁾	A	⁽²⁾	88,463	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	8. Price of Derivative Security (Instr. 5)		10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)

Explanation of Responses:

1. Represents an award of restricted stock units (RSUs) that will vest one-fourth on each of November 11, 2026, February 11, 2027, May 11, 2027, and upon the earlier of (i) the date immediately preceding the Issuer's 2027 annual stockholder meeting or (ii) August 11, 2027, subject to the Reporting Person's continued service through such date.

2. Each RSU represents the right to receive, at settlement, one share of common stock.

Remarks:

	/s/Kathleen Layton (Attorney-in-Fact)	08/13/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)

Source: View Original Filing on SEC EDGAR