Welcome to our dedicated page for Oportun Financial SEC filings (Ticker: OPRT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Oportun Financial Corp lends to millions of credit-thin consumers, turning alternative data into responsible loans. That mission also creates disclosures that dive deep into net charge-offs, CECL reserves, and securitization trusts—details scattered across 10-K footnotes and 8-K updates. If you have ever searched “where can I find the Oportun quarterly earnings report 10-Q filing?” or wondered how to track “Oportun insider trading Form 4 transactions,” this page is built for you.
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Oportun Financial Corporation (Nasdaq: OPRT) has filed definitive additional proxy materials (Form DEFA14A) ahead of its 18 July 2025 Annual Meeting. The Board urges shareholders to use the GREEN proxy card to re-elect the two management-backed nominees—CEO Raul Vazquez and independent director Carlos Minetti—and to withhold votes for activist nominee Warren Wilcox put forward by Findell Capital Management.
Key arguments from the Board
- Operational turnaround: Since the 2024 annual meeting, Oportun reports that its share price has more than doubled, originations have resumed growth, credit metrics have improved, and the operating-expense ratio has fallen.
- Strategic execution: Management attributes the gains to a two-year plan focused on three priorities—improving credit outcomes, strengthening business economics and identifying high-quality originations.
- Leadership continuity: After its annual evaluation the Board unanimously concluded that Mr. Vazquez remains the best leader to sustain momentum.
- Activist challenge: Findell seeks to remove Mr. Vazquez and install Mr. Wilcox, who, according to an independent background check, has material résumé inconsistencies and holds no Oportun shares. The company notes that Findell itself has sold 500,000 shares in 2025 while publicly urging others to purchase.
- Board expertise: Half of the current directors have extensive lending-industry backgrounds (e.g., Discover, American Express, OneMain).
The filing provides voting instructions (online, phone, mail) and cautions shareholders to discard any white proxy card from Findell. A fresh investor presentation is available at VoteForOportun.com to support management’s case.
Context for investors: This solicitation does not include new financial statements, but it reiterates earlier disclosures that the company has delivered more than $20.3 billion in credit and saved members $2.4 billion in fees since inception. The communication contains forward-looking statements subject to customary safe-harbor language.
Oportun Financial (NASDAQ: OPRT) released definitive additional proxy materials urging stockholders to back management’s two directors and WITHHOLD on activist Findell Capital Management’s nominee, who seeks to oust the company’s CEO from the board.
The filing emphasizes recent operational turnaround: tighter credit standards, cost-structure reductions and improved credit metrics that have helped the share price more than double in the last 12 months. Management warns that replacing the CEO with a “materially less qualified” candidate could destabilize the business as it continues its recovery.
Shareholders are asked to vote the GREEN proxy card online, by phone or mail before the upcoming 2025 annual meeting. The filing includes standard forward-looking-statement cautionary language referencing the company’s 2024 Form 10-K for risk factors.
Oportun Financial has issued a letter to stockholders regarding the upcoming Annual Meeting on July 18, 2025, addressing a proxy contest initiated by Findell Capital Management. The key focus is the attempted removal of CEO Raul Vazquez from the Board of Directors.
Key Points about Vazquez's Leadership:
- Led Oportun's transformation from a small regional lender to a national, digitally-driven company
- Grew loan portfolio from $100M in 2012 to approximately $3B
- Expanded operations from 2 to 41 states
- Previously served as EVP at Walmart, managing $60B+ revenue division
- Currently serves on Intuit's board and is a top-ten Oportun stockholder
The Board unanimously supports Vazquez's re-election, citing improved financial performance in 2024 and Q1 2025, including renewed originations growth and improved credit metrics. The Board opposes Findell's nominee Warren Wilcox, noting his lack of public company CEO experience and limited expertise with low-income customers.
Findell Capital Management, a major shareholder of Oportun Financial Corporation (NASDAQ: OPRT), has filed a DFAN14A related to a proxy contest for board seats at Oportun's 2025 annual meeting. The filing details Findell's campaign to reform Oportun's board leadership.
Key developments include:
- Findell issued a rebuttal presentation challenging Oportun's June 18th statements and criticizing the company's refusal to add independent directors with lending experience
- The activist investor is seeking to remove CEO Raul Vazquez from the Board to strengthen oversight
- Findell highlights the controversial removal of former OneMain Financial CFO Scott Parker from the board
- The firm is proposing Warren Wilcox, an independent lending industry veteran, as their board nominee
- Findell argues that Oportun has significantly underperformed peers prior to their involvement
The filing includes references to additional materials published on OpportunityAtOportun.com and social media platforms to support their proxy campaign.
Oportun Financial has released an investor presentation ahead of its Annual Meeting of Stockholders on July 18, 2025. The company is actively soliciting proxies and urging shareholders to vote "FOR" two board nominees on the GREEN proxy card:
- Raul Vazquez - Current CEO
- Carlos Minetti - Board nominee
The company highlights its mission-driven approach and significant achievements, including:
- Providing over $20.3 billion in responsible and affordable credit
- Saving members more than $2.4 billion in interest and fees
- Helping members save an average of $1,800 annually
The proxy solicitation is being assisted by Innisfree M&A Incorporated. Shareholders can access additional information at VoteForOportun.com. This filing represents the company's efforts to maintain board continuity and strategic direction through the upcoming shareholder vote.
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