{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-25-000040","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2025-05-08T23:59:59+00:00","discovered_at":"2026-05-14T18:02:48.693487+00:00","generated_at":"2026-05-22T04:14:41.872940+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Oportun Q1 GAAP net income $9.8M, EPS $0.21; adj. EPS $0.40","bullets":["GAAP net income of $9.8M vs ($26M) loss YoY; diluted EPS $0.21 vs ($0.68).","Adjusted EPS $0.40 vs $0.09 YoY; adjusted net income $19M vs $3.6M.","Revenue $236M (down 6% YoY); operating expenses $93M down 15% YoY.","Guidance: FY2025 adj. EPS reiterated $1.10-$1.30; loan growth moderated to ~10%.","ROE improved to 11%; adjusted ROE 21% (up 17 ppts YoY)."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-25-000040","json":"https://secwatch.observer/filing/0001538716-25-000040.json","markdown":"https://secwatch.observer/filing/0001538716-25-000040.md","text":"https://secwatch.observer/filing/0001538716-25-000040.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871625000040/0001538716-25-000040-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871625000040/oprt-20250508.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-22T04:14:41.872940+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"}