{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-24-000058","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2024-05-09T23:59:59+00:00","discovered_at":"2026-05-14T18:03:18.896407+00:00","generated_at":"2026-06-02T05:45:59.605153+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 Q1 GAAP net loss shrinks to $26M; returns to adjusted profitability","bullets":["GAAP net loss of $26M vs -$102M YoY; adjusted net income of $3.6M vs -$58M YoY.","Total revenue $250M, down 4% YoY from $260M.","Operating expenses down 15% sequentially and 25% YoY.","Adjusted EBITDA $1.9M vs -$20M YoY; raised FY 2024 guidance (midpoint EBITDA uplift 31%).","Executed additional $150M whole loan sale agreement in May 2024."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-24-000058","json":"https://secwatch.observer/filing/0001538716-24-000058.json","markdown":"https://secwatch.observer/filing/0001538716-24-000058.md","text":"https://secwatch.observer/filing/0001538716-24-000058.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000058/0001538716-24-000058-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000058/oprt-20240509.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T05:45:59.605153+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":"51665ea83d3bf3f347731f15a6ed3e2a40a5deeb","claim":"Oportun Financial Corp updated its first quarter ended March 31, 2024 guidance (raised).","evidence_excerpt":"On May 9, 2024, Oportun Financial Corporation (the “Company”) issued a press release regarding the Company’s financial results for its fiscal quarter ended March 31, 2024.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000058/0001538716-24-000058-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2024"},{"label":"Guidance","value":"raised"},{"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"}