---
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"
generated_at: "2026-05-30T01:51:09.501251+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Oportun Q3 revenue $250M, GAAP loss narrows; completes credit card portfolio sale for ~$100M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 1.02, 2.01, 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001538716-24-000137
- JSON: https://secwatch.observer/filing/0001538716-24-000137.json
- Plain text: https://secwatch.observer/filing/0001538716-24-000137.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.