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OPRT · Oportun Financial Corp

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$5.78 +0.04 (+0.70%)
Market Cap
$262.54M
Shares
45.74M

Oportun Financial Corp Earnings Call Transcripts

Every quarterly earnings call for Oportun Financial Corp (OPRT) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.

Revenue & result across quarters

Revenue Net income YoY up YoY down artefacts
▲57.2% $250.08M −$105.83M '22 Q3 22-11-07 ▲34.9% $261.95M −$8.42M '22 Q4 23-03-13 ▲20.9% $259.51M −$102.09M '23 Q1 23-05-08 ▲18.1% $266.56M −$14.90M '23 Q2 23-08-08 ▲7.3% $268.22M −$21.14M '23 Q3 23-11-06 ▲0.3% $262.62M −$41.87M '23 Q4 24-03-12 ▼3.5% $250.48M −$26.44M '24 Q1 24-04-22 ▼6.1% $250.40M −$31.02M '24 Q2 24-08-08 ▼6.8% $249.95M −$29.96M '24 Q3 24-11-12 ▼4.4% $250.95M $8.72M '24 Q4 25-02-12 ▼5.8% $235.90M $9.77M '25 Q1 25-05-08 ▼6.4% $234.35M $6.88M '25 Q2 25-08-06 ▼4.5% $238.69M $5.20M '25 Q3 25-11-04 ▼1.3% $247.75M $3.36M '25 Q4 26-02-26 LATEST ▼3% $228.76M $2.35M '26 Q1 26-05-07
Annual General Meeting
Investor event
2026-08-11
Oportun Financial Corporation 2026 Annual Meeting of Shareholders
Scheduled
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY26 · Q2
2026-08-05
Oportun Financial Second Quarter 2026 Earnings Conference Call
Scheduled
Results not yet reported
Audio Transcript Slides 8-K10-Q
Capital Markets Day
Investor event
2026-05-14
Investor Presentation - May 2026
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY26 · Q1
2026-05-07
Oportun Financial Corp Q1 FY2026 Earnings Call
Positive tone Funding and capital structure Originations and demand Credit performance and charge-offs
Revenue
$228.76M
▼ 3% YoY
Diluted EPS
$0.05
▼ 76.2% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-02-26
Oportun Financial Corp Q4 FY2025 Earnings Call
Confident tone GAAP profitability and earnings improvement Originations growth and member base Credit performance and risk management
Revenue
$247.75M*
▼ 1.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-11-04
Oportun Financial Corp Q3 FY2025 Earnings Call
Positive tone Originations growth and member mix GAAP profitability and earnings Credit quality and charge-offs
Revenue
$238.69M
▼ 4.5% YoY
Diluted EPS
$0.11
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-08-06
Oportun Financial Corp Q2 FY2025 Earnings Call
Confident tone GAAP profitability and earnings Originations growth and marketing Credit performance and net charge-offs
Revenue
$234.35M
▼ 6.4% YoY
Diluted EPS
$0.14
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-05-08
Oportun Financial Corp Q1 FY2025 Earnings Call
Confident tone Guidance Originations growth Credit performance
Revenue
$235.90M
▼ 5.8% YoY
Diluted EPS
$0.21
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-02-12
Oportun Financial Corp Q4 FY2024 Earnings Call
Confident tone 2025 financial guidance Credit performance improvement Originations growth
Revenue
$250.95M*
▼ 4.4% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-11-12
Oportun Financial Corp Q3 FY2024 Earnings Call
Confident tone Credit performance improvement Profitability Originations growth
Revenue
$249.95M
▼ 6.8% YoY
Diluted EPS
$-0.75
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-08-08
Oportun Financial Corp Q2 FY2024 Earnings Call
Revenue
$250.40M
▼ 6.1% YoY
Diluted EPS
$-0.78
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-04-22
Oportun Financial Corp Q1 FY2024 Earnings Call
Confident tone Credit quality and charge-offs Profitability recovery Secured Personal Loans (SPL) expansion
Revenue
$250.48M
▼ 3.5% YoY
Diluted EPS
$-0.68
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-03-12
Oportun Financial Corp Q4 FY2023 Earnings Call
Positive tone Credit performance improvement Expense management and cost reductions Securitization and funding
Revenue
$262.62M*
▲ 0.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-11-06
Oportun Financial Corp Q3 FY2023 Earnings Call
Revenue
$268.22M
▲ 7.3% YoY
Diluted EPS
$-0.55
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-08-08
Oportun Financial Corp Q2 FY2023 Earnings Call
Revenue
$266.56M
▲ 18.1% YoY
Diluted EPS
$-0.41
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-05-08
Oportun Financial Corp Q1 FY2023 Earnings Call
Revenue
$259.51M
▲ 20.9% YoY
Diluted EPS
$-3.00
▼ 319% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-03-13
Oportun Financial Corp Q4 FY2022 Earnings Call
Revenue
$261.95M*
▲ 34.9% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-11-07
Oportun Financial Corp Q3 FY2022 Earnings Call
Revenue
$250.08M
▲ 57.2% YoY
Diluted EPS
$-3.21
▼ 528% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-08-08
Oportun Financial Corp Q2 FY2022 Earnings Call
Revenue
$225.80M
▲ 63.3% YoY
Diluted EPS
$-0.28
▼ 216.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-05-09
Oportun Financial Corp Q1 FY2022 Earnings Call
Revenue
$214.72M
▲ 58.7% YoY
Diluted EPS
$1.37
▲ 1270% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-02-24
Oportun Financial Corp Q4 FY2021 Earnings Call
Revenue
$194.13M*
▲ 37.8% YoY
Rev · 7q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-11-03
Oportun Financial Corp Q3 FY2021 Earnings Call
Revenue
$159.08M
▲ 16.3% YoY
Diluted EPS
$0.75
Rev · 7q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-08-05
Oportun Financial Corp Q2 FY2021 Earnings Call
Revenue
$138.25M
▼ 3.1% YoY
Diluted EPS
$0.24
Rev · 6q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-05-06
Oportun Financial Corp Q1 FY2021 Earnings Call
Revenue
$135.31M
▼ 17.2% YoY
Diluted EPS
$0.10
Rev · 5q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-02-18
Oportun Financial Corp Q4 FY2020 Earnings Call
Revenue
$140.83M*
Rev · 4q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-11-10
Oportun Financial Corp Q3 FY2020 Earnings Call
Revenue
$136.77M
▼ 11.1% YoY
Diluted EPS
$-0.22
Rev · 4q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-07-08
Oportun Financial Corp Q2 FY2020 Earnings Call
Revenue
$142.71M
Diluted EPS
$-1.26
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-04-02
Oportun Financial Corp Q1 FY2020 Earnings Call
Revenue
$163.43M
Diluted EPS
$-0.49
Rev · 2q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY19 · Q4
2020-02-27
Oportun Financial Corp Q4 FY2019 Earnings Call
Results not yet reported
Audio Transcript Slides 8-K10-K
Showing 1–29 of 29 earnings calls
Key facts CIK 1538716 CUSIP 68376D104 13F (30d) 17 filings 17 filers Visit website Investor relations

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