{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-24-000101","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2024-08-08T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.448633+00:00","generated_at":"2026-05-31T10:53:57.353202+00:00","sec_items":["1.01","2.02","2.03","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Oportun Q2 adj EBITDA $30M (+109% YoY); GAAP loss $31M on credit card mark; new $245M facility","bullets":["Revenue $250M (-6% YoY); GAAP net loss $31M (EPS -$0.78); adjusted net income $3.2M (adjusted EPS $0.08).","Adjusted EBITDA $30M, up 109% YoY; total operating expenses down 20% YoY; met or exceeded all guidance metrics.","Signed non-binding LOI to sell credit card portfolio; $36M GAAP mark-to-market; expected to boost 2025 adj EBITDA by ~$11M.","Closed $245M warehouse facility with Deutsche Bank and Jefferies; three-year revolving period; collateralized by loan originations.","New lending-as-a-service collaboration with Western Union to expand brand awareness and application funnel."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-24-000101","json":"https://secwatch.observer/filing/0001538716-24-000101.json","markdown":"https://secwatch.observer/filing/0001538716-24-000101.md","text":"https://secwatch.observer/filing/0001538716-24-000101.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000101/0001538716-24-000101-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000101/oprt-20240805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T10:53:57.353202+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}