[Form 4] Oportun Financial Corporation Insider Trading Activity

Rhea-AI Filing Summary

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.

Positive

• 28,090 RSUs granted to the reporting person on 09/10/2025
• Vesting schedule specified: 1/3 at first anniversary, remaining 2/3 in quarterly installments over three years
• Each RSU equals one share at settlement, clarifying conversion terms
• Reporting person shows direct beneficial ownership of 28,090 shares following the transaction

Negative

• None.

Insights

Securities Analyst

TL;DR: Insider received a meaningful RSU grant of 28,090 shares with multi-year vesting, indicating compensation alignment but no immediate sale.

The filing documents a non-derivative grant of 28,090 RSUs to a senior finance officer on 09/10/2025. These RSUs convert one-for-one into common shares at settlement and vest over three years with an initial one-third vesting at the first anniversary and the balance in quarterly installments. The transaction is recorded as an acquisition resulting in direct beneficial ownership of 28,090 shares. The filing does not disclose any cash exercise, sales, or derivative positions, so there is no change to cash flow from the insider in this report.

Corporate Governance Expert

TL;DR: This is a standard equity compensation grant with time-based vesting; it reflects internal retention/compensation mechanics rather than governance action.

The Form 4 shows a time-based RSU award to an officer, vesting over three years with explicit vesting schedule details. Each RSU equals one share at settlement, and the reporting person holds the full 28,090 shares directly following the grant. The filing contains no information on performance conditions, clawbacks, or plan amendments. No departures, derivative awards, or other governance events are disclosed in this document.

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^*

Schueller Joseph Andrew

(Last) (First) (Middle)

C/O OPORTUN FINANCIAL CORPORATION

2 CIRCLE STAR WAY

(Street)

SAN CARLOS CA 94070

(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)
	SVP-Controller, PAO & PFO

3. Date of Earliest Transaction (Month/Day/Year)
09/10/2025

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	09/10/2025		A		28,090(1)	A	(2)	28,090	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. The Restricted Stock Units (RSU) vest over 3 years, 1/3 will vest on the first anniversary of the grant date and 2/3 vest in quarterly installments thereafter, subject to the continued service of the Reporting Person on each vesting date.

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

Remarks:

	/s/Kathleen Layton (Attorney-in-Fact)	09/11/2025
	** 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 did OPRT insider Joseph Andrew Schueller receive on 09/10/2025?

He received 28,090 Restricted Stock Units (RSUs), each representing the right to one share at settlement.

How do the RSUs granted to the OPRT officer vest?

The RSUs vest over three years: one-third vests on the first anniversary of the grant and the remaining two-thirds vest in quarterly installments thereafter, subject to continued service.

How many shares does the reporting person beneficially own after the transaction?

The Form 4 reports 28,090 shares beneficially owned following the reported transaction.

Are the RSUs tied to any performance conditions in the filing?

The filing specifies only time-based vesting; it does not disclose any performance conditions.

Who signed the Form 4 on behalf of the reporting person?

The Form 4 is signed by Kathleen Layton (Attorney-in-Fact) on 09/11/2025.