Oportun director granted 25,042 RSUs

Miramontes Louis reported acquisition or exercise transactions in this Form 4 filing.

Rhea-AI Filing Summary

Miramontes Louis reported acquisition or exercise transactions in this Form 4 filing.

Oportun Financial Corp director Louis Miramontes received a grant of 25,042 restricted stock units (RSUs) of common stock. The RSUs vest in four installments: one-fourth on November 11, 2026, February 11, 2027, May 11, 2027, and the remaining one-fourth on the earlier of the day immediately before the 2027 annual stockholder meeting or August 11, 2027, subject to his continued service. Each RSU will settle into one share of common stock, bringing his reported direct holdings to 118,972 shares after this award.

Insider Trade Summary

Grant/Award: 25,042 shares

Grant/Award 1 txn

Insider Miramontes Louis

Role Director

Type	Security	Shares	Price	Value
Grant/Award	Common Stock F1, F2	25,042	--	--

Holdings After Transaction: Common Stock — 118,972 shares (Direct)

Footnotes (2)

1. 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.
2. F2. Each RSU represents the right to receive, at settlement, one share of common stock.

Key Figures

RSUs granted: 25,042 RSUs Shares after transaction: 118,972 shares First vesting date: November 11, 2026 +3 more

6 metrics

RSUs granted 25,042 RSUs Restricted stock unit award to director on 2026-08-11

Shares after transaction 118,972 shares Direct common stock holdings following RSU grant

First vesting date November 11, 2026 One-fourth of RSUs vest on this date

Second vesting date February 11, 2027 One-fourth of RSUs vest on this date

Third vesting date May 11, 2027 One-fourth of RSUs vest on this date

Final vesting deadline August 11, 2027 Final one-fourth vests by this date or before 2027 meeting

Key Terms

restricted stock units (RSUs), vest, settlement, continued service

4 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.

vest financial

"RSUs that will vest one-fourth on each of November 11, 2026"

A vest is the process by which an employee earns the right to receive certain benefits or ownership interests, such as stock or retirement funds, over time. It’s similar to earning a reward gradually, ensuring that the benefit becomes fully yours only after a set period or meeting specific conditions. This makes it important for investors because it determines when they can actually claim or use those benefits.

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 OPRT director Louis Miramontes report in this Form 4?

Louis Miramontes reported a grant of 25,042 restricted stock units (RSUs) of Oportun Financial Corp common stock, increasing his direct holdings to 118,972 shares after the award.

How many OPRT RSUs were granted to Louis Miramontes?

Louis Miramontes was granted 25,042 RSUs of Oportun Financial Corp common stock. Each RSU represents the right to receive one share of common stock upon settlement, subject to vesting conditions.

What is the vesting schedule for Louis Miramontes’ OPRT RSUs?

The 25,042 RSUs vest in four equal installments: on November 11, 2026, February 11, 2027, May 11, 2027, and the remaining portion on the earlier of the date before the 2027 annual stockholder meeting or August 11, 2027.

What does each OPRT RSU granted to Louis Miramontes represent?

Each RSU granted to Louis Miramontes represents the right to receive, at settlement, one share of Oportun Financial Corp common stock, provided the applicable vesting and service conditions are satisfied.

How many OPRT shares does Louis Miramontes hold after this RSU grant?

Following this RSU award, Louis Miramontes is reported to directly own 118,972 shares of Oportun Financial Corp common stock, reflecting his position after the 25,042 RSU grant.

Are Louis Miramontes’ OPRT RSUs subject to continued service conditions?

Yes. Vesting of the 25,042 RSUs occurs only if Louis Miramontes continues to serve through each vesting date, including the final tranche tied to the 2027 annual stockholder meeting timing.

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

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Accepted by SEC EDGAR 08/13/2026 - 05:37 PM EDT Learn about SEC filing dates

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^*

Miramontes Louis

(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)
			Code	V	Amount	(A) or (D)	Price
Common Stock	08/11/2026		A		25,042(1)	A	(2)	118,972	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)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

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)