{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-22-000214","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2022-11-07T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.079570+00:00","generated_at":"2026-06-22T05:23:17.653403+00:00","sec_items":["2.02","5.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Oportun reports Q3 revenue $250M (+57% YoY), raises FY2022 guidance; director Alvarez resigns","bullets":["Total revenue $250M (+57% YoY); GAAP net loss $106M, diluted EPS ($3.21); adjusted net income $8M, adjusted EPS $0.25.","FY2022 revenue guidance raised to $946-951M; adjusted EPS guidance raised to $2.19-2.25.","Early-stage delinquencies trending down; first-payment defaults below 2019 pre-pandemic levels in September.","Director Aida Alvarez resigned Nov 1, 2022; no disagreement; served since 2011. Annualized net charge-off rate 9.8% (vs 5.5% YoY); 30+ day delinquency 5.4% (vs 2.8%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-22-000214","json":"https://secwatch.observer/filing/0001538716-22-000214.json","markdown":"https://secwatch.observer/filing/0001538716-22-000214.md","text":"https://secwatch.observer/filing/0001538716-22-000214.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871622000214/0001538716-22-000214-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871622000214/oprt-20221107.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T05:23:17.653403+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"7a90c82341f97ead26d691e12adaf3459bbadce4","claim":"Oportun Financial Corp reported third quarter ended September 30, 2022 results: revenue $250, net income ($106), EPS $(3.21). Guidance raised.","evidence_excerpt":"$946 to $951 million, and our Adjusted EPS guidance to a range between $2.19 to $2.25.\" Third Quarter 2022 Results Metric GAAP Adjusted 1 3Q22 3Q21 3Q22 3Q21 Total revenue $250 $159 Net income (loss) ($106) $23 $8 $24 Diluted EPS $(3.21) $0.75 $0.25 $0.78 Adjusted EBITDA ($6) $18 Dollars in millions, except per share amounts. Business Highlights ◦","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1538716/000153871622000214/0001538716-22-000214-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2022"},{"label":"Revenue","value":"$250"},{"label":"Net income","value":"($106)"},{"label":"EPS","value":"$(3.21)"},{"label":"Guidance","value":"raised"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"d699d75e11","claim":"Aida Alvarez resigned as Director at Oportun Financial Corp.","evidence_excerpt":"On November 1, 2022, the Honorable Aida Alvarez notified the Corporate Secretary and the Board of Directors of the Company that she intended to resign from her position as a director of the Company, as well as her roles as the chair of the nominating, governance and social responsibility committee and member of the compensation and leadership committee.","evidence_source":"SEC 8-K Item 5.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1538716/000153871622000214/0001538716-22-000214-index.htm","confidence":0.95,"family_label":"Executive change","details":[{"label":"Action","value":"resigned"},{"label":"Role","value":"Director"}],"fact_type":"executive_change"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}