{"schema_version":"secwatch.filing_event.v1","accession":"0001538716-26-000065","form_type":"8-K","ticker":"OPRT","cik":"0001538716","company_name":"Oportun Financial Corp","filed_at":"2026-08-05T20:19:18+00:00","discovered_at":"2026-08-05T20:20:02.250397+00:00","generated_at":"2026-08-05T20:20:19.533715+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 Q2 GAAP net income $8.5M, revenue $233M; raises FY adjusted EBITDA guidance 6%","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001538716-26-000065","json":"https://secwatch.observer/filing/0001538716-26-000065.json","markdown":"https://secwatch.observer/filing/0001538716-26-000065.md","text":"https://secwatch.observer/filing/0001538716-26-000065.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1538716/000153871626000065/0001538716-26-000065-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1538716/000153871626000065/oprt-20260805.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-08-05T20:20:19.533715+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"}