{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-23-000128","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2023-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:34.247927+00:00","generated_at":"2026-06-12T01:47:27.374205+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Oportun reports record Q2 revenue of $267M, GAAP loss narrows; guides to $90-95M adjusted EBITDA in H2","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."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-23-000128","json":"https://secwatch.observer/filing/0001538716-23-000128.json","markdown":"https://secwatch.observer/filing/0001538716-23-000128.md","text":"https://secwatch.observer/filing/0001538716-23-000128.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871623000128/0001538716-23-000128-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871623000128/oprt-20230808.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-12T01:47:27.374205+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":"f7e2c8dd7e87d3725bf2d96bb699f7097ed3f3d8","claim":"Oportun Financial Corp reported second quarter ended June 30, 2023 results: revenue $267 million, net income $(15) million, EPS $(0.41). Guidance reaffirmed.","evidence_excerpt":"Oportun Reports Strong Second Quarter 2023 Financial Results Record revenue of $267 million, 18% year-over-year growth","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1538716/000153871623000128/0001538716-23-000128-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"second quarter ended June 30, 2023"},{"label":"Revenue","value":"$267 million"},{"label":"Net income","value":"$(15) million"},{"label":"EPS","value":"$(0.41)"},{"label":"Guidance","value":"reaffirmed"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}