{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-24-000137","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2024-11-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:08.739209+00:00","generated_at":"2026-05-30T01:51:09.501251+00:00","sec_items":["1.02","2.01","2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Oportun Q3 revenue $250M, GAAP loss narrows; completes credit card portfolio sale for ~$100M","bullets":["Q3 total revenue $250M; GAAP net loss $(30M) vs $(21M) YoY; adjusted net income $0.9M; Adjusted EBITDA $31M (up 121% YoY).","Credit card portfolio sale to Continental Finance closed; portfolio ~$100M; expected to add $2M Adj. 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."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-24-000137","json":"https://secwatch.observer/filing/0001538716-24-000137.json","markdown":"https://secwatch.observer/filing/0001538716-24-000137.md","text":"https://secwatch.observer/filing/0001538716-24-000137.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000137/0001538716-24-000137-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871624000137/oprt-20241110.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T01:51:09.501251+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"}