Oportun Q2 GAAP net income $8.5M, revenue $233M; raises FY adjusted EBITDA guidance 6%

Oportun Financial Corp

GAAP net income $8.5M ($0.17 EPS) vs $6.9M ($0.14 EPS) a year ago; adjusted EPS $0.42 vs $0.31.
Adjusted EBITDA $49M, up 56% YoY; total revenue $233M, roughly flat YoY.
30+ day delinquency rate 4.0%, lowest since Q4 2021; annualized net charge-off rate outperformed guidance.
Raising full-year adjusted EBITDA range midpoint by 6%; improving net charge-off range by 20 bps.
Appointed Sean Rowles as Chief Risk Officer in June; launched risk-based pricing initiative in July.

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