{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-25-000102","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2025-11-04T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.685017+00:00","generated_at":"2026-05-17T00:37:01.494957+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Oportun reports Q3 GAAP net income $5.2M, raises FY25 adj. EPS guidance to $1.30-$1.40","bullets":["GAAP net income $5.2M vs loss of $30M YoY; GAAP EPS $0.11 vs -$0.75.","Adjusted EPS $0.39, up from $0.02 in 3Q24; revenue $239M vs $250M.","Adjusted EBITDA $41M, up 31% YoY; operating expenses down 11%.","Full-year adjusted EPS guidance raised to $1.30-$1.40 (midpoint +4% YoY growth 81-94%)."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-25-000102","json":"https://secwatch.observer/filing/0001538716-25-000102.json","markdown":"https://secwatch.observer/filing/0001538716-25-000102.md","text":"https://secwatch.observer/filing/0001538716-25-000102.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871625000102/0001538716-25-000102-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871625000102/oprt-20251104.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T00:37:01.494957+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"}