{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-25-000075","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2025-08-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:44.274554+00:00","generated_at":"2026-05-17T19:23:09.200947+00:00","sec_items":["1.01","2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Oportun posts Q2 GAAP net income $6.9M, raises FY2025 adjusted EPS guidance to $1.20-$1.40","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-25-000075","json":"https://secwatch.observer/filing/0001538716-25-000075.json","markdown":"https://secwatch.observer/filing/0001538716-25-000075.md","text":"https://secwatch.observer/filing/0001538716-25-000075.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871625000075/0001538716-25-000075-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871625000075/oprt-20250805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T19:23:09.200947+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"}