---
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"
generated_at: "2026-05-15T23:34:01.404721+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001538716-26-000010
- JSON: https://secwatch.observer/filing/0001538716-26-000010.json
- Plain text: https://secwatch.observer/filing/0001538716-26-000010.txt

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