{"filings":[{"id":1500956,"accession_number":"0001538716-26-000060","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-07-07T21:03:20+00:00","items":["1.01"],"status":"ready","headline":"Oportun enters lending program agreement with Column National Association for unsecured personal loans","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Agreement with Column to originate unsecured personal loans in select states; Oportun provides platform services.","Oportun can purchase loans originated by Column, except those retained by Column.","Includes exclusivity provisions for specified loan products and certain future financial products.","Initial term of 4 years, renews automatically for successive one-year periods unless notice given.","Agreement includes compliance, oversight, audit, reserve, indemnification, and termination provisions."],"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":1232078,"accession_number":"0001538716-26-000052","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-06-24T12:30:24+00:00","items":["1.01","9.01"],"status":"ready","headline":"Oportun settles with activist Radoff; two directors to retire, standstill imposed","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Two Class I directors will retire after the 2026 annual meeting; Radoff withdraws director nomination.","Radoff group capped at 4.9% beneficial ownership; subject to standstill through 2028 proxy deadline.","Radoff will vote in line with Board recommendations unless ISS and Glass Lewis disagree.","Mutual non-disparagement and no-litigation covenants apply during restricted period.","Oportun reimburses Radoff's reasonable legal expenses (amount not disclosed)."],"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":1139076,"accession_number":"0001193125-26-275929","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2026-06-18T20:25:31+00:00","items":["5.02","8.01","9.01"],"status":"ready","headline":"Oportun appoints Sean Rowles as Chief Risk Officer; Patrick Kirscht departs after 18 years","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Patrick Kirscht, Chief Credit Officer, departing June 15, 2026 after 18 years; no disagreement with company.","Kirscht receives $525,300 severance (12 months salary), $155,287 prorated bonus, $535,500 retention award, plus RSU/PSU vesting.","Kirscht will serve as non-employee advisor through Sep 15, 2026 at $45k/month.","Sean Rowles appointed Chief Risk Officer effective June 17, 2026; base salary $550k, annual bonus target 75%, $500k signing bonus, equity grant of 382,653 RSUs and 127,551 PSUs.","Rowles previously CRO at Imprint and Global Chief Credit Officer at PayPal; Tier 1 severance policy."],"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":0.55,"calibrated_materiality_score":0.55,"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":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. EBITDA above range","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["CEO Raul Vazquez to step down by April 3, 2026; board has initiated search with executive search firm.","Preliminary Q4 2025 total revenue $246-248M, above guidance of $241-246M.","Q4 Adjusted EBITDA of $40-42M, above guidance of $31-37M; GAAP net income $1-3M.","Full-year 2025 total revenue $955-957M, above guidance; GAAP profitable with net income $23-25M."],"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":0.7,"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":121479,"accession_number":"0001538716-25-000102","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-11-04T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Oportun reports Q3 GAAP net income $5.2M, raises FY25 adj. 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; 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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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interim CFO appointed","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Casey Mueller resigns as Principal Accounting Officer and Global Controller, effective April 18, 2025, to join another company.","Paul Appleton (Treasurer, Head of Capital Markets) named interim CFO after Jonathan Coblentz's retirement.","Permanent CFO search underway with several highly qualified candidates identified via executive search firm.","Coblentz will provide consulting support through filing of Q1 2025 10-Q.","Resignation not due to any disagreement with Oportun's operations, policies, or practices."],"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":0.7,"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":174080,"accession_number":"0001538716-25-000007","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2025-02-12T23:59:59+00:00","items":["2.02","5.02","9.01"],"status":"ready","headline":"Oportun returns to GAAP profitability in Q4 2024; 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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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supermajority elimination fails","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["All three Class II directors (Ginny Lee, Louis Miramontes, Richard Tambor) elected; Lee received 62% of votes cast, Miramontes 82%, Tambor 95%.","Proposal to eliminate supermajority voting provisions from charter not approved: 16.0M for, 0.2M against, 11.1M broker non-votes excluded.","Ratification of Deloitte & Touche as auditor for FY2024 approved with 27.1M votes (99.2% of votes cast).","Non-binding advisory say-on-pay approved with 14.3M for (88.2% of votes cast, excluding broker non-votes).","Quorum of 76.7% of outstanding shares was present at the annual meeting."],"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":0.3,"calibrated_materiality_score":0.15,"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":224932,"accession_number":"0001538716-24-000063","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-05-22T23:59:59+00:00","items":["2.05","9.01"],"status":"ready","headline":"Oportun cuts 100 jobs (12% corp staff) targeting $97.5M Q4 2024 expense run rate","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Headcount reduction of 100 employees, ~12% of corporate staff, excluding retail and contact center agents.","Additional cost cuts on external contractors and vendors; targets $97.5M operating expense run rate by Q4 2024.","Pre-tax charges of $2M to $4M expected in Q2 2024, mainly severance and benefits.","Company previously announced plan to reduce annual operating expenses by $30M on March 12, 2024.","Charges will be excluded from non-GAAP financial measures; actual results may differ."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"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":224931,"accession_number":"0001538716-24-000058","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-05-09T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Oportun Q1 GAAP net loss shrinks to $26M; 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adds two directors under Findell pact","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Q1 prelim revenue $248-250M (guidance $233-238M); net loss $(30)-(26)M vs $(102.1)M YoY.","Adjusted EBITDA $0-4M (guidance $(14)-(12)M); adjusted net income $0-4M.","Annualized NCO rate 12.0% (in line); 30+ day delinquency 5.2% vs 5.5% YoY.","Appoints Scott Parker (ex-CFO Ryder) to board; Richard Tambor as observer, to stand for election at 2024 annual meeting.","Standstill: Findell (7.7% owner) caps ownership at 9.9%, votes with board, no proxy fights; expenses up to $225k."],"consensus_eps_estimate":null,"consensus_eps_actual":-0.68,"consensus_revenue_estimate":null,"consensus_revenue_actual":250482000.0,"consensus_period":"2024-Q1","consensus_source":"xbrl_only","sentiment":"positive","materiality_score":0.85,"calibrated_materiality_score":0.85,"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":244192,"accession_number":"0001538716-24-000028","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-03-14T23:59:59+00:00","items":["1.01","9.01"],"status":"ready","headline":"Oportun obtains 3-month principal payment holiday, tighter asset coverage covenants in debt amendments","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Eighth RF Amendment grants $5.7M/month payment holiday for March, April, May 2024; extends RF facility term to January 2025.","Credit Agreement Amendment modifies asset coverage ratio covenant: from 0.71:1.0 (Mar 2024) stepping up to 1.50:1.0 (Apr 2025).","Interest rate on credit facility steps up 3% per annum if asset coverage ratio stays below 1.00:1.00 starting August 2024.","Credit agreement requires monthly principal payments of $5.7M in March, April, May 2024 (redirected from RF facility).","Proceeds from junior debt must go to principal payments under credit agreement."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","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":244191,"accession_number":"0001538716-24-000025","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-03-12T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Oportun Q4 GAAP net loss $42M, FY23 revenue $1.1B (+11%); guides improved FY24 profitability","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net loss $42M in Q4 ($1.09 diluted EPS) vs $8.4M loss a year ago; FY23 net loss $180M ($4.88 diluted EPS).","Total revenue $263M in Q4, FY23 revenue $1.1B, up 11% YoY.","Adjusted net loss $21M in Q4 ($0.54 diluted EPS); FY23 adjusted net loss $124M ($3.37 diluted EPS).","Adjusted EBITDA $6.1M in Q4 vs negative $34M in Q4 2022; FY23 adjusted EBITDA $1.7M vs negative $10M in FY22.","Announced additional $30M in run-rate opex savings by Q4 2024; completed $200M ABS in February at 160 bps lower pricing."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","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":244190,"accession_number":"0001538716-24-000022","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-02-14T23:59:59+00:00","items":["1.01","2.03","9.01"],"status":"ready","headline":"Oportun closes $200M asset-backed securitization with four note classes","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Issued $200M in fixed-rate notes secured by installment loans; weighted avg coupon 8.434%.","Class A notes rated AA- (coupon 6.334%), Class B A- (6.546%), Class C BBB- (7.421%), Class D BB- (12.072%).","Initial purchasers: Morgan Stanley (structuring agent), Goldman Sachs, JPMorgan, Jefferies.","CFO cites investor confidence in loan credit quality; proceeds to enhance profitability."],"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":244189,"accession_number":"0001538716-24-000011","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2024-02-05T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Oportun appoints two new independent directors, expanding board to nine","summary_kind":"llm","event_type":"leadership","confidence":"high","bullets":["Effective February 7, 2024, board expands from 7 to 9 with independent directors Carlos Minetti and Mohit Daswani.","Carlos Minetti has over 35 years in consumer lending and credit risk, most recently President of Consumer Banking at Discover Financial Services.","Mohit Daswani is CFO of ThoughtSpot, previously Head of Strategy & Finance at Square/Block, and CFO of Payments at PayPal.","Minetti appointed to Credit Risk & Finance and Nominating committees; Daswani to Audit & Risk and Compensation committees."],"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":0.4,"calibrated_materiality_score":0.4,"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":261609,"accession_number":"0001538716-23-000191","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-12-26T23:59:59+00:00","items":["1.01","8.01","9.01"],"status":"ready","headline":"Oportun reduces credit card warehouse facility to $100M, cites strategic review","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Credit card warehouse facility reduced to $100 million under Seventh CCW Amendment executed Dec 22, 2023.","Reduction tied to strategic review of credit card portfolio; other immaterial changes also made.","Sixth RF Indenture Amendment also executed Dec 20, excluding certain events and releasing liens on residual certificates.","Amendments affect subsidiaries Oportun CCW Trust and Oportun RF, LLC."],"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":261608,"accession_number":"0001538716-23-000189","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-12-12T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Oportun grants performance-based RSUs to three NEOs with TSR targets at $7.56 (25%) and $12.10 (100%)","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Compensation Committee approved PSUs for CEO Vazquez (target 176,361), CFO Coblentz (20,101), and Kirscht (49,339) on Dec 6, 2023.","PSUs vest based on absolute TSR over Jan 2023–Dec 2025; threshold 25% at avg stock price $7.56, 100% at $12.10.","Maximum payout is 125% of target if TSR ≥ 125%; upside units may be paid in cash at Company's discretion.","Vesting also requires continued employment through March 10, 2026.","New form of PSU award agreement adopted under the 2019 Equity Incentive Plan."],"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":0.35,"calibrated_materiality_score":0.35,"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":261607,"accession_number":"0001538716-23-000174","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-11-06T23:59:59+00:00","items":["2.02","2.05","5.02","9.01"],"status":"ready","headline":"Oportun reports Q3 revenue $268M (+7% YoY), net loss $(21)M; announces 185 job cuts for $80M annual savings","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["GAAP net loss of $21M (diluted EPS -$0.55); adjusted net loss $18M (adjusted EPS -$0.46).","Adjusted EBITDA $16M vs. year-ago -$6.2M; revenue record despite 24% origination decline.","Headcount reduction of 185 employees (18% of corp staff) with $7-8M Q4 charges; annualized savings $80M.","CEO and CFO voluntarily reduce base salaries by 15% effective Nov 11; director Carl Pascarella retired.","Two new personal loan financing agreements totaling up to $267M; exploring strategic options for credit card portfolio."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.8,"consensus_revenue_estimate":null,"consensus_revenue_actual":794295000.0,"consensus_period":"2023-Q3","consensus_source":"xbrl_only","sentiment":"negative","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":261606,"accession_number":"0001538716-23-000165","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-10-26T23:59:59+00:00","items":["1.01","2.03","7.01","9.01"],"status":"ready","headline":"Oportun closes $197M structured financing facility with Castlelake at 10.05% blended rate","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Borrowed $197M under Receivables Loan and Security Agreement; blended interest rate 10.05%.","Proceeds to finance origination of personal loan products; facility closed October 20, 2023.","Follows prior $400M whole loan flow sale agreement with Castlelake for personal loan originations over 12 months.","Company must maintain minimum tangible net worth and unrestricted cash while borrowings outstanding.","Castlelake has invested >$4B in consumer credit since 2015; Oportun maintains diverse capital sources."],"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":261605,"accession_number":"0001538716-23-000157","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-10-11T23:59:59+00:00","items":["5.03","7.01","9.01"],"status":"ready","headline":"Oportun adopts majority voting standard and eliminates supermajority bylaw provisions","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Adopted majority voting standard in uncontested director elections; plurality in contested.","Eliminated supermajority vote requirement to amend bylaws, effective Oct 10, 2023.","Proposal to remove supermajority provisions in certificate of incorporation to be voted at 2024 annual meeting.","Changes reflect board's commitment to best practices and long-term shareholder value."],"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":0.3,"calibrated_materiality_score":0.3,"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":278831,"accession_number":"0001538716-23-000128","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-08-08T23:59:59+00:00","items":["2.02","9.01"],"status":"ready","headline":"Oportun reports record Q2 revenue of $267M, GAAP loss narrows; guides to $90-95M adjusted EBITDA in H2","summary_kind":"llm","event_type":"earnings","confidence":"high","bullets":["Revenue $267M (+18% YoY); GAAP net loss $15M vs $9.2M loss; adjusted net income $2.3M.","Adjusted EBITDA $4.3M in Q2 vs $(4.5)M loss; H2 2023 adjusted EBITDA guidance $90-95M.","Signed two whole loan flow sale agreements for up to $700M in personal loan production over 12 months.","Members reached 2.0M (+10% YoY); originations $485M (-45% YoY) reflecting tightened credit posture.","Annualized net charge-off rate 12.5% (vs 8.6% YoY); operating expenses lowest since 2021, down 14% YoY."],"consensus_eps_estimate":null,"consensus_eps_actual":-3.31,"consensus_revenue_estimate":null,"consensus_revenue_actual":526075000.0,"consensus_period":"2023-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":278830,"accession_number":"0001538716-23-000109","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-07-03T23:59:59+00:00","items":["2.03","8.01","9.01"],"status":"ready","headline":"Oportun draws $25M incremental term loans; issues warrants for ~1.05M shares at $0.01","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Borrowed $25M in Incremental Tranche C Loans under existing credit agreement dated Sept 2022.","Issued warrants to purchase 1,048,363 shares of common stock at $0.01 per share to lenders.","Warrants are highly dilutive given exercise price far below recent stock trading levels.","No other material changes to credit agreement terms; proceeds used for general corporate purposes."],"consensus_eps_estimate":null,"consensus_eps_actual":null,"consensus_revenue_estimate":null,"consensus_revenue_actual":null,"consensus_period":null,"consensus_source":null,"sentiment":"negative","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":297087,"accession_number":"0001538716-23-000099","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-06-15T23:59:59+00:00","items":["5.02","9.01"],"status":"ready","headline":"Oportun increases inducement equity plan share reserve by 450,000 shares to 1,105,000","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Board approved amendment to 2021 Inducement Plan raising share reserve from 655,000 to 1,105,000 shares.","After amendment, 634,225 shares remain available for future inducement awards to new employees.","Plan adopted without stockholder approval under Nasdaq Rule 5635(c)(4); only new hires eligible.","Awards include nonstatutory stock options, restricted stock, RSUs, and performance awards."],"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":0.4,"calibrated_materiality_score":0.4,"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":297086,"accession_number":"0001538716-23-000092","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K","filed_at":"2023-06-08T23:59:59+00:00","items":["5.07","9.01"],"status":"ready","headline":"Oportun stockholders elect directors, ratify auditor, approve say-on-pay at annual meeting","summary_kind":"llm","event_type":"other_material","confidence":"high","bullets":["Director Jo Ann Barefoot elected despite more votes withheld (8,188,099) than for (8,092,038); Sandra A. Smith elected with 8,203,354 for vs 8,076,783 withheld.","Ratification of Deloitte & Touche as auditor approved: 23,303,017 for, 1,658,270 against, 1,308,427 abstain.","Advisory say-on-pay approved: 11,205,303 for, 3,777,601 against, 1,297,233 abstain; 9,989,577 broker non-votes not counted.","Annual meeting had 26,269,714 shares present (77.52% voting power)."],"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":0.15,"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":297084,"accession_number":"0001538716-23-000075","cik":1538716,"company_name":"Oportun Financial Corp","ticker":"OPRT","form_type":"8-K/A","filed_at":"2023-05-10T23:59:59+00:00","items":["2.03","8.01","9.01"],"status":"ready","headline":"Oportun borrows $25M incremental term loans, issues warrants for 1.05M shares","summary_kind":"llm","event_type":"debt","confidence":"high","bullets":["Borrowed $25M in incremental Tranche B Loans under corporate facility dated Sept 14, 2022.","Up to an additional $25M in Incremental Tranche C Loans expected available around June 23, 2023.","Issued warrants to purchase 1,048,363 shares of common stock at $0.01 per share to the lenders."],"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}],"next_cursor":"2023-05-10T23:59:59+00:00|297084"}