earnings
confidence high
sentiment positive
materiality 0.75
Oportun posts Q2 GAAP net income $6.9M, raises FY2025 adjusted EPS guidance to $1.20-$1.40
Oportun Financial Corp
2025-Q2 EPS reported
$0.35
revenue$470,250,000
- GAAP net income $6.9M vs. loss of $31M YoY; GAAP EPS $0.14 vs. ($0.78).
- Adjusted EPS $0.31, up 288% YoY; Q2 total revenue $234M (down from $250M YoY).
- FY2025 adjusted EPS guidance raised to $1.20-$1.40 (midpoint 8% increase); revenue guidance narrowed to $945M-$960M.
- Operating expenses down 13% YoY; third consecutive quarter of GAAP profitability.
- Amended bank-partner agreement with Pathward: 4-year term, lower fees, right-of-first-offer, updated compliance.
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