Oportun Q4/FY25: GAAP EPS $0.53, Adj EPS $1.36, FY26 Adj EPS guidance $1.50-$1.65

Oportun Financial Corp

2025-FY EPS reported $0.53 revenue$956,685,000

Q4 total revenue $248M; GAAP net income $3.4M ($0.07 diluted EPS); fifth consecutive GAAP profitable quarter.
Full year 2025 GAAP net income $25M ($0.53 diluted EPS) vs FY24 loss of $1.95/share, a $104M YoY improvement.
Adjusted EPS $1.36 (+89% YoY); Adjusted EBITDA $148M vs $105M in 2024; GAAP ROE 6.8%, Adjusted ROE 17.5%.
FY26 guidance: Adjusted EPS $1.50-$1.65, implying 11%-21% YoY growth.
Originations grew 10%, interest expense fell 3%, operating expenses down 12% YoY.

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