{"filings":[{"id":93531,"accession_number":"0001538716-26-000037","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-05-07T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Oportun Q1 GAAP net income $2.3M ($0.05 EPS); revenue $229M, down 3% YoY","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income of $2.3M vs $10M in Q1 2025; diluted EPS $0.05 vs $0.21.","Adjusted net income $10M, adjusted diluted EPS $0.21; Adjusted EBITDA $29M.","Total revenue $229M, down from $236M in prior-year quarter.","Full-year 2026 adjusted EPS guidance reaffirmed at $1.50-$1.65 (16% YoY growth at midpoint).","CEO Doug Bland notes sixth consecutive quarter of GAAP profitability; plans to ramp originations."],"consensus_eps_estimate":null,"consensus_eps_actual":0.05,"consensus_revenue_estimate":null,"consensus_revenue_actual":228764000.0,"consensus_period":"2026-Q1","consensus_source":"xbrl_only","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93530,"accession_number":"0001193125-26-159696","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-04-17T23:59:59+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Oportun appoints Doug Bland as CEO effective April 20, replacing joint Office of CEO","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Doug Bland named CEO and Class III director, effective April 20, 2026; Kathleen Layton and Gaurav Rana leave joint Office of CEO roles.","Bland's compensation: $750K base salary, 125% target bonus, $500K signing bonus (quarterly vesting), $5M equity award (50% RSU/50% PSU), $500K cash retention award.","Inducement Plan amended to increase reserved shares by 1.2M to total 2.305M; 1.6645M available for future grants.","Bland previously SVP & GM Consumer Business at PayPal; will step down from WebBank board upon joining.","Bland brings over 30 years experience in consumer finance, including leading PayPal's global credit business."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":93529,"accession_number":"0001193125-26-138972","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-04-02T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Oportun names interim Office of the CEO as Raul Vazquez departs; CEO search ongoing","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Raul Vazquez transitions from CEO to non-employee advisor effective April 3, 2026; steps down from Board same day.","Kathleen Layton (Chief Legal Officer) and Gaurav Rana (SVP, Lending) appointed as co-principal executive officers in joint Office of the CEO effective April 4, 2026.","Both receive $35,000/month base salary increase during interim period; Layton's base salary becomes $485,000 annually, Rana's $470,750.","CEO search is progressing; Board has engaged with a compelling list of candidates per Lead Independent Director Louis Miramontes.","Vazquez will serve as an advisor to the Company through July 3, 2026 to ensure smooth transition."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105230,"accession_number":"0001538716-26-000010","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-02-26T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Oportun Q4/FY25: GAAP EPS $0.53, Adj EPS $1.36, FY26 Adj EPS guidance $1.50-$1.65","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 total revenue $248M; GAAP net income $3.4M ($0.07 diluted EPS); fifth consecutive GAAP profitable quarter.","Full year 2025 GAAP net income $25M ($0.53 diluted EPS) vs FY24 loss of $1.95/share, a $104M YoY improvement.","Adjusted EPS $1.36 (+89% YoY); Adjusted EBITDA $148M vs $105M in 2024; GAAP ROE 6.8%, Adjusted ROE 17.5%.","FY26 guidance: Adjusted EPS $1.50-$1.65, implying 11%-21% YoY growth.","Originations grew 10%, interest expense fell 3%, operating expenses down 12% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":0.53,"consensus_revenue_estimate":null,"consensus_revenue_actual":956685000.0,"consensus_period":"2025-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105229,"accession_number":"0001538716-26-000007","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-02-10T23:59:59+00:00","items":["2.03","8.01","9.01"],"status":"ready","headline":"Oportun issues $485M ABS notes at 5.32% yield, repays $70M corporate debt in 2025","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $485M of two-year revolving fixed-rate asset-backed notes secured by installment loans.","Weighted average yield 5.32%; coupon 5.25% — 45 bps lower than Oct 2025 ABS transaction.","Classes rated by Fitch: A (AAA), B (AA-), C (A-), D (BBB-), E (BB-).","Repaid $70M of corporate debt in 2025, including $37.5M in Q4.","Over $1.9B capital raised via ABS in 9 months at sub-6% yields."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":105228,"accession_number":"0001193125-26-017944","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-01-21T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Oportun CEO Raul Vazquez to step down; preliminary Q4 revenue beats guidance, Adj. 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EPS guidance to $1.30-$1.40","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $5.2M vs loss of $30M YoY; GAAP EPS $0.11 vs -$0.75.","Adjusted EPS $0.39, up from $0.02 in 3Q24; revenue $239M vs $250M.","Adjusted EBITDA $41M, up 31% YoY; operating expenses down 11%.","Full-year adjusted EPS guidance raised to $1.30-$1.40 (midpoint +4% YoY growth 81-94%)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.46,"consensus_revenue_estimate":null,"consensus_revenue_actual":708938000.0,"consensus_period":"2025-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121478,"accession_number":"0001193125-25-243729","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-10-20T23:59:59+00:00","items":["2.03","8.01","9.01"],"status":"ready","headline":"Oportun adds $247M warehouse, completes $441M ABS; lowers debt costs","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["New $247M three-year warehouse facility with Citizens and Community Investment Management; total capacity rises to $1.14B.","Extended Goldman Sachs/Jefferies warehouse by 12 months; average remaining term increases to 25 months from 17.","Repaid $17.5M of higher-cost corporate debt in Oct; total $50M repaid since Oct 2024.","Completed $441M ABS (2025-D) with five classes; weighted average yield 5.77%, coupon 5.69%.","Class A notes rated AAA by Fitch; third consecutive AAA-rated ABS transaction."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":121477,"accession_number":"0001538716-25-000098","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-10-02T23:59:59+00:00","items":["1.01"],"status":"ready","headline":"Oportun amends Pathward program; to purchase $115M loan portfolio, simplify structure","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Pathward to stop retaining Oportun loans by Feb 2026; Oportun to purchase 100% of new loans from Oct 1, 2025.","Initial purchase of existing retained portfolio (~$115M) expected to close Oct 3, 2025.","Oportun expects to use existing warehouse facilities to fund the purchase.","Amendment eliminates derivative accounting associated with program agreement.","Subsequent purchases of remaining Pathward-held loans through Feb 2026."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138150,"accession_number":"0001193125-25-188772","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K/A","filed_at":"2025-08-26T23:59:59+00:00","items":["5.02","8.01"],"status":"ready","headline":"Oportun appoints Louis Miramontes lead independent director; Wilcox joins audit, compensation committees","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Warren Wilcox appointed to Audit & Risk and Compensation & Leadership committees as of Aug 20/25, 2025.","Louis P. Miramontes appointed Lead Independent Director effective Aug 20, 2025.","New committee chairs: Sandra Smith (Audit & Risk), Mohit Daswani (Compensation), Richard Tambor (Credit Risk), Ginny Lee (Nominating).","Wilcox receives standard director compensation: $50k cash, $10k audit, $7.5k comp committee fees; $125k prorated RSU award."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.25,"calibrated_materiality_score":0.25,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138154,"accession_number":"0001538716-25-000086","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-08-21T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Oportun closes $538M asset-backed securitization with AAA senior notes; average yield 5.294%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued ~$538M of two-year revolving fixed-rate notes secured by installment loans; five classes rated AAA to BB- by Fitch.","Weighted average yield 5.294% (38 bps lower than June 2025 ABS deal); weighted average coupon 5.23%.","Senior Class A notes rated AAA with 4.49% coupon; Class E notes rated BB- with 9.20% coupon.","Company proactively paid $10M toward $27.5M mandatory corporate loan payments due Jan 2026; corporate facility balance reduced to $212.5M from $235M.","Jefferies sole structuring agent; Deutsche Bank, Goldman Sachs, Natixis co-leads."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138153,"accession_number":"0001538716-25-000075","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-08-06T23:59:59+00:00","items":["1.01","2.02","9.01"],"status":"ready","headline":"Oportun posts Q2 GAAP net income $6.9M, raises FY2025 adjusted EPS guidance to $1.20-$1.40","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income $6.9M vs. loss of $31M YoY; GAAP EPS $0.14 vs. ($0.78).","Adjusted EPS $0.31, up 288% YoY; Q2 total revenue $234M (down from $250M YoY).","FY2025 adjusted EPS guidance raised to $1.20-$1.40 (midpoint 8% increase); revenue guidance narrowed to $945M-$960M.","Operating expenses down 13% YoY; third consecutive quarter of GAAP profitability.","Amended bank-partner agreement with Pathward: 4-year term, lower fees, right-of-first-offer, updated compliance."],"consensus_eps_estimate":null,"consensus_eps_actual":0.35,"consensus_revenue_estimate":null,"consensus_revenue_actual":470250000.0,"consensus_period":"2025-Q2","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138152,"accession_number":"0001538716-25-000072","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-07-23T23:59:59+00:00","items":["5.02","5.03","5.07","9.01"],"status":"ready","headline":"Oportun appoints Joseph Schueller as Principal Financial Officer; stockholders approve charter amendments","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Joseph Schueller appointed Principal Financial Officer and Principal Accounting Officer, effective July 22, 2025.","Raul Vazquez, CEO, will no longer serve as principal financial officer; Schueller previously SVP Finance-Controller.","Stockholders approved amendment to eliminate supermajority voting provisions and declassify board for annual director elections.","Directors Carlos Minetti and Raul Vazquez re-elected; non-binding say-on-pay passed; Deloitte & Touche ratified as auditor.","Charter amendments filed with Delaware Secretary of State on July 21, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":138151,"accession_number":"0001193125-25-158836","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-07-14T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Oportun settles proxy contest with Findell; Warren Wilcox to join board","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Warren Wilcox appointed as Class III director after 2025 annual meeting; board expands to 9 seats.","Findell withdraws director nomination and agrees to vote for Oportun's nominees at 2025 meeting.","One incumbent director to retire by 2026 annual meeting.","Findell bound by standstill (≤9.9% ownership) and voting commitments until 2028 nomination deadline.","Oportun reimburses Findell up to $1.2M in legal and other expenses."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155592,"accession_number":"0001538716-25-000045","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-06-05T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Oportun closes $439M ABS notes; first AAA rating, yield down 128 bps vs Jan","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $439M two-year asset-backed notes across five classes; weighted avg yield 5.67%.","Weighted avg yield 128 bps lower than the prior January ABS transaction.","First AAA rating from Fitch on the Class A notes (AAA, AA-, A-, BBB-, BB-).","Class A coupon 4.88%; Class E priced at 98.95% with 9.40% coupon.","Interim CFO cites milestone as recognition of business strength and investor demand."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155591,"accession_number":"0001538716-25-000040","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-05-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Oportun Q1 GAAP net income $9.8M, EPS $0.21; adj. EPS $0.40","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net income of $9.8M vs ($26M) loss YoY; diluted EPS $0.21 vs ($0.68).","Adjusted EPS $0.40 vs $0.09 YoY; adjusted net income $19M vs $3.6M.","Revenue $236M (down 6% YoY); operating expenses $93M down 15% YoY.","Guidance: FY2025 adj. EPS reiterated $1.10-$1.30; loan growth moderated to ~10%.","ROE improved to 11%; adjusted ROE 21% (up 17 ppts YoY)."],"consensus_eps_estimate":null,"consensus_eps_actual":0.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":235904000.0,"consensus_period":"2025-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155590,"accession_number":"0001538716-25-000037","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-04-30T23:59:59+00:00","items":["5.02"],"status":"ready","headline":"CEO Raul Vazquez appointed principal financial and accounting officer at Oportun","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Appointment effective April 28, 2025; CEO adds CFO and PAO duties.","No change in compensation for Vazquez in connection with the new roles.","No family relationships or arrangements with other persons influenced selection.","Biographical details previously disclosed in Form 10-K/A filed April 30, 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":155589,"accession_number":"0001538716-25-000028","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-04-02T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Oportun closes $187.5M personal loan warehouse facility; 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raises FY2025 adjusted EPS guide","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q4 net income $9M vs loss of $42M YoY; total revenue $251M (-5% YoY).","Adjusted EBITDA $41M, up 315% YoY; operating expenses down 31% to $89M.","FY2025 adjusted EPS guidance raised to $1.10-$1.30 (53-81% growth).","CFO Jonathan Coblentz to retire March 28, 2025; Casey Mueller named interim CFO."],"consensus_eps_estimate":null,"consensus_eps_actual":-1.95,"consensus_revenue_estimate":null,"consensus_revenue_actual":1001775000.0,"consensus_period":"2024-FY","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":174079,"accession_number":"0001538716-25-000003","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-01-16T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Oportun closes $425M ABS securitization, 7x oversubscribed, yield down 127 bps","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $425.1M asset-backed notes secured by personal installment loans, five fixed-rate tranches.","Weighted average yield 6.95% and coupon 6.15%; Class A rated AA- by KBRA.","Deal over seven times oversubscribed; yield 127 bps lower than Aug 2024 ABS.","Since June 2023, Oportun has raised ~$2.8B via securitizations, whole loan sales, and warehouses.","Deutsche Bank (structuring), Goldman Sachs, and Jefferies acted as co-leads."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191037,"accession_number":"0001538716-24-000144","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-11-22T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Oportun increases borrowing capacity on personal loan warehouse facility to ~$429M","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Oportun PLW Trust, a subsidiary, amended its Loan and Security Agreement on November 22, 2024.","Borrowing capacity raised to approximately $429.03 million.","Borrowings will bear interest at Term SOFR plus a weighted average spread of 3.35%.","Amendment involves Wilmington Trust as collateral agent and various lenders.","No immediate draw; facility enhances liquidity for personal loan origination."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.5,"calibrated_materiality_score":0.5,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191036,"accession_number":"0001538716-24-000141","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-11-15T23:59:59+00:00","items":["1.01","1.02","2.03","3.02","9.01"],"status":"ready","headline":"Oportun closes new senior secured term loan; issues warrants for 9.8% equity stake","summary_kind":"llm","event_type":"debt","confidence":"medium","bullets":["New senior secured term loan funded on Nov 14, 2024 by affiliates of Castlelake L.P. and Neuberger Berman.","Issued warrants at $0.01 per share to lenders covering 9.8% of fully-diluted common stock on a pro forma basis.","Existing $0.0 principal? 2022 credit agreement and 2021 indenture terminated in connection with the closing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191035,"accession_number":"0001538716-24-000137","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-11-12T23:59:59+00:00","items":["1.02","2.01","2.02","7.01","9.01"],"status":"ready","headline":"Oportun Q3 revenue $250M, GAAP loss narrows; 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EBITDA in Q4 2024 and $11M in FY 2025.","FY 2025 preliminary guidance: GAAP diluted EPS $0.25-$0.50, adjusted EPS $1.00-$1.25.","Corporate debt refinancing expected to close November 14, 2024."],"consensus_eps_estimate":null,"consensus_eps_actual":-2.21,"consensus_revenue_estimate":null,"consensus_revenue_actual":750829000.0,"consensus_period":"2024-Q3","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191034,"accession_number":"0001538716-24-000131","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-11-07T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Oportun increases PLW II borrowing capacity to $337.1M, interest at SOFR + 3.07%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Amendment to Loan and Security Agreement raises borrowing capacity to $337.1 million.","Borrowings accrue interest at Term SOFR plus a weighted average spread of 3.07%.","Effective November 1, 2024; subsidiary Oportun PLW II Trust is borrower."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":191033,"accession_number":"0001538716-24-000129","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-10-29T23:59:59+00:00","items":["1.01","2.02","7.01","9.01"],"status":"ready","headline":"Oportun enters $235M senior secured term loan with Castlelake and Neuberger Berman","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Oportun signed $235 million Credit Agreement with Castlelake and Neuberger Berman on October 23, 2024 to refinance existing debt.","Loan bears 15% interest, matures in 4 years, with mandatory repayments of $12.5M by July 2025 and $27.5M by Jan 2026.","Lenders receive warrants for 9.8% of fully-diluted shares at $0.01 per share, plus board observer rights.","Preliminary Q3 2024 results: Total Revenue $249-251M, Adjusted EBITDA $28-31M, Net Loss $(30-32)M, meeting guidance.","Company expects 2025 Diluted EPS of $0.25-$0.50 and Adjusted EPS of $1.00-$1.25, with net charge-off rate 11-12%."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207513,"accession_number":"0001538716-24-000123","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-09-26T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"Oportun extends warehouse facility to $306M and agrees to sell credit card portfolio to Continental Finance","summary_kind":"llm","event_type":"m_and_a","confidence":"high","bullets":["Amended personal loan warehouse facility to $306.45M total commitment with a two-year revolving period, effective Sep 20, 2024.","Borrowings under amended facility bear interest at Term SOFR plus weighted average spread of 3.45%, with advance rate of 95% (reducible to 92%).","Entered Receivables Purchase Agreement on Sep 24, 2024 to sell credit card portfolio to Continental Purchasing, LLC.","Sale price equals ~70% of the receivables balance of current and <30-day delinquent receivables; closing anticipated on or around Nov 10, 2024.","Sale expected to be accretive by ~$2M to Adj. EBITDA in 2024 and ~$11M in 2025."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"positive","materiality_score":0.9,"calibrated_materiality_score":0.9,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207512,"accession_number":"0001538716-24-000109","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-09-03T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Oportun completes $223.25M asset-backed securitization with weighted avg coupon 8.07%","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued four classes of notes: Class A (AA-, 5.86%), B (A-, 5.83%), C (BBB-, 6.61%), D (BB-, 10.47%).","Secured by pool of unsecured and secured personal installment loans; KBRA rated all classes.","Since June 2023, Oportun has raised over $1.8B in diversified financings including this deal.","PLW facility amended to extend termination date to Oct 8, 2024; no draws available during extension."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"neutral","materiality_score":0.6,"calibrated_materiality_score":0.6,"market_cap_usd":239898667.06525913,"market_cap_bucket":"microcap","market_cap_source":"finnhub_profile2","market_cap_as_of_date":"2026-05-28","daily_digest_date":null,"daily_digest_url":null,"daily_digest_rank":null},{"id":207511,"accession_number":"0001538716-24-000101","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-08-08T23:59:59+00:00","items":["1.01","2.02","2.03","9.01"],"status":"ready","headline":"Oportun Q2 adj EBITDA $30M (+109% YoY); GAAP loss $31M on credit card mark; 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