---
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"
generated_at: "2026-08-05T20:20:19.533715+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1538716/000153871626000065/0001538716-26-000065-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1538716/000153871626000065/oprt-20260805.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001538716-26-000065
- JSON: https://secwatch.observer/filing/0001538716-26-000065.json
- Plain text: https://secwatch.observer/filing/0001538716-26-000065.txt

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