OPRT · Oportun Financial Corp
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AI Brief
Q2 FY26 earnings call · Aug 5, 2026TL;DR. Oportun exceeded Q2 guidance on revenue and adjusted EBITDA, posted GAAP profitability for a seventh straight quarter with adjusted EPS up 35%, and improved the annualized net charge-off rate to 12%. The company raised its full-year adjusted EBITDA midpoint by 6% to $168 million and improved its full-year annualized net charge-off rate guidance by 20 bps to 11.7%, while maintaining its adjusted net income and adjusted EPS ranges. Management flagged macro headwinds (inflation, uneven job creation, policy uncertainty, higher gas prices) creating a cautious environment for its low-to-moderate-income consumer base.
- + Full-year adjusted EBITDA guidance midpoint raised by $10 million (6%) to $168 million, now implying 13% growth.
- + Full-year annualized net charge-off rate midpoint improved by 20 bps to 11.7%, which would be the lowest annual level since 2022.
- − Management cites inflation above the Fed's target, uneven job creation, policy uncertainty, and higher gas prices as creating a cautious environment for the low-to-moderate-income consumer.
- − Full-year adjusted net income and adjusted EPS guidance ranges were maintained rather than raised, with higher fair value headwinds from the current rate outlook offsetting lower interest expense benefits.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OPRT
this stock
Oportun Financial Corp
|
$361.92M | +48.8% | -4.5% | 19.7 | 2.5% |
|
V
Visa Inc.
|
$661.04B | +5.6% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$498.62B | -0.3% | +16.4% | 31.3 | 0.9% |
|
AXP
American Express Co
|
$219.27B | -12.2% | +13.4% | 19.7 | 1.5% |
|
COF
Capital One Financial Corp
|
$129.62B | -14.1% | +36.6% | 12.7 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OPRT | +6.2% | +3.0% | +76.9% | +7.1% | +48.8% |
| SPY | -1.2% | -1.8% | +17.8% | -0.4% | +12.1% |
| vs SPY | +7.4% | +4.8% | +59.0% | +7.4% | +36.7% |