---
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"
generated_at: "2026-05-22T04:14:41.872940+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# Oportun Q1 GAAP net income $9.8M, EPS $0.21; adj. EPS $0.40

## Summary
- 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).

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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001538716-25-000040
- JSON: https://secwatch.observer/filing/0001538716-25-000040.json
- Plain text: https://secwatch.observer/filing/0001538716-25-000040.txt

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