---
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"
generated_at: "2026-05-17T00:37:01.494957+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Oportun reports Q3 GAAP net income $5.2M, raises FY25 adj. EPS guidance to $1.30-$1.40

## Summary
- 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%).

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001538716-25-000102
- JSON: https://secwatch.observer/filing/0001538716-25-000102.json
- Plain text: https://secwatch.observer/filing/0001538716-25-000102.txt

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