{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-26-000010","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2026-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.376238+00:00","generated_at":"2026-05-15T23:34:01.404721+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"Oportun Q4/FY25: GAAP EPS $0.53, Adj EPS $1.36, FY26 Adj EPS guidance $1.50-$1.65","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-26-000010","json":"https://secwatch.observer/filing/0001538716-26-000010.json","markdown":"https://secwatch.observer/filing/0001538716-26-000010.md","text":"https://secwatch.observer/filing/0001538716-26-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871626000010/0001538716-26-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871626000010/oprt-20260226.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T23:34:01.404721+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"}