secwatch.observer — SEC 8-K summary
======================================

Issuer:     Oportun Financial Corp (OPRT)
CIK:        0001538716
Form:       8-K
Filed at:   2026-02-26T23:59:59+00:00
Accession:  0001538716-26-000010
Event type: earnings
Sentiment:  positive
Materiality: 0.80
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

- 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.

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1538716/000153871626000010/0001538716-26-000010-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1538716/000153871626000010/oprt-20260226.htm
  HTML page:      https://secwatch.observer/filing/0001538716-26-000010

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer