Oportun Financial (OPRT) CCO sells shares and receives new stock units

Rhea-AI Filing Summary

Oportun Financial Corp Chief Credit Officer Patrick Kirscht reported stock awards and open-market sales. He received 37,524 Performance Stock Units, each tied to one share of common stock and eligible to vest based on multi-year performance and service conditions. He was also granted 75,047 Restricted Stock Units that vest in three equal annual installments starting on March 10, 2026.

On the same date, Kirscht sold a total of 54,299 common shares in open-market transactions at a weighted average price of about $4.90 per share, with individual trade prices ranging from $4.805 to $4.995. Following these transactions and awards, he directly holds 514,665 shares of common stock, plus unvested performance and restricted stock units.

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

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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^*

Kirscht Patrick

(Last) (First) (Middle)

OPORTUN FINANCIAL CORPORATION

1825 SOUTH GRANT STREET, SUITE 850

(Street)

SAN MATEO CA 94402

(City) (State) (Zip)

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

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

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

3. Date of Earliest Transaction (Month/Day/Year)
03/10/2026

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

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

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

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	03/10/2026		S		12,099	D	$4.9(1)	481,818	D
Common Stock	03/10/2026		S		8,666	D	$4.9(1)	473,152	D
Common Stock	03/10/2026		S		14,172	D	$4.9(1)	458,980	D
Common Stock	03/10/2026		S		19,362	D	$4.9(1)	439,618	D
Common Stock	03/10/2026		A		75,047(2)	A	(3)	514,665	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
Performance Stock Units	(4)	03/10/2026		A		37,524(4)		(4)	03/10/2029	Common Stock	37,524	(5)	37,524	D

Explanation of Responses:

1. Weighted average price. These shares were sold in multiple transactions at prices ranging from $4.805 to $4.995 per share, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or to the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.

2. The Restricted Stock Units (RSU) vest in 3 equal annual installments from the vesting commencement date of March 10, 2026, subject to the continued service of the Reporting Person on each vesting date.

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

4. Represents PSUs that are eligible to vest based on a one-year performance period for Economic ROA (as defined in the PSU Award Agreement). Earned PSUs will be deferred until the end of year three, at which point they will be subject to a modifier based on the Issuer's relative total shareholder return (rTSR) performance against the Russell 3000 Index before vesting. The rTSR performance period spans three (3) years covering calendar years 2026 through 2028. The number of PSUs reported in the table reflects the number of units subject to the award at target achievement. Actual vesting will be based on percentile performance, with potential payout ranging from 0% to 125% of the target units. In addition to such performance requirements, the PSUs are subject to satisfying service-based requirements and any PSUs that become Eligible Units (as defined in the PSU Award Agreement) will be scheduled to vest on March 10, 2029.

5. Each Performance-Based RSU (PSU) represents the right to receive, at settlement, one share of common stock.

Remarks:

	/s/Kathleen Layton (Attorney-in-Fact)	03/12/2026
	** 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.

FAQ

What insider transactions did Oportun (OPRT) Chief Credit Officer Patrick Kirscht report?

Patrick Kirscht reported both stock awards and share sales. He received new performance and restricted stock unit grants and sold 54,299 Oportun common shares in open-market transactions, all dated March 10, 2026, at prices around $4.90 per share.

How many Oportun (OPRT) shares did Patrick Kirscht sell and at what prices?

Patrick Kirscht sold 54,299 Oportun common shares. The weighted average sale price was about $4.90 per share, with individual trade prices ranging from $4.805 to $4.995 per share, according to the reported transaction footnote.

What equity awards did Patrick Kirscht receive from Oportun (OPRT)?

Kirscht received both RSU and PSU awards. He was granted 75,047 Restricted Stock Units vesting in three equal annual installments from March 10, 2026, and 37,524 Performance Stock Units tied to Economic ROA and relative total shareholder return performance through 2028.

How do Patrick Kirscht’s new Oportun (OPRT) PSUs vest?

The PSUs vest based on performance and service. They are tied to a one-year Economic ROA period and a three-year relative total shareholder return modifier from 2026–2028, with possible payout from 0% to 125% of target, subject to ongoing service requirements.

How many Oportun (OPRT) shares does Patrick Kirscht hold after these transactions?

After the reported trades and grants, Kirscht holds 514,665 shares. The filing shows this as his direct common stock ownership following the March 10, 2026 transactions, in addition to his unvested restricted and performance stock units.

What are the key dates for Patrick Kirscht’s Oportun (OPRT) stock awards?

Several future vesting dates are defined. RSUs begin vesting on March 10, 2026, in three annual installments, while PSUs relate to performance over calendar years 2026–2028 and any Eligible Units are scheduled to vest on March 10, 2029.