Oportun Financial Corp (OPRT) FY2025Q3 Earning Prediction
Oportun Financial Corp (OPRT) is set to release its earnings performance on 11/04 16:05:00 ET in After Hours trading. Consensus forecasts predict a revenue of 238.90M and an earnings per share (EPS) of 0.20 for the . With Intellectia's exclusive AI algorithms, users can predict whether the earnings will beat or miss expectations before the report drops. Leverage this powerful tool to strategize and position your trades ahead of the earnings release!
Earnings Surprise Analysis
OPRT Transcript
The company reported strong financial performance with significant improvements in net income, ROE, and adjusted EPS. Despite a decline in total revenue, net revenue increased significantly. The guidance for 2025 indicates increased EPS and reduced operating expenses, suggesting continued positive performance. The Q&A highlighted effective credit tightening measures, growth in secured loans, and reduced operating expenses, all contributing to a positive outlook. The market's reaction is likely to be positive, given the strong financial metrics and optimistic guidance, despite some concerns around revenue decline and unclear timelines for leverage ratio targets.
The earnings call provided a balanced view: while the company is focusing on smaller loans and expects mid-single-digit growth, there are concerns about declining portfolio size and macroeconomic risks. The Q&A revealed stable yields but highlighted uncertainties in underwriting standards and macroeconomic impacts. The lack of detailed contingency plans for economic downturns and mixed signals on growth and profitability contribute to a neutral sentiment.
The earnings call reveals strong financial performance, with significant improvements in net income, adjusted EBITDA, and a reduced debt-to-equity ratio. The company's optimistic guidance for 2025 EPS and revenue, alongside a clear strategy for growth and cost management, supports a positive outlook. The Q&A section reinforces this sentiment, with management addressing key growth drivers and cost management strategies. Despite some ambiguity in responses regarding fair value marks, the overall sentiment remains positive due to strong financial metrics and strategic initiatives.
OPRT Slides
OPRT Report
Frequently Asked Questions
What is the Oportun Financial Corp FY2025Q3 Earnings Release Date and Time?
Oportun Financial Corp (OPRT) is scheduled to release its FY2025Q3 earnings report onNov 4, 2025, After Hours(approximately 4:00 PM ET). This timing allows investors to react during after-hours trading, with a conference call typically following shortly after.
What Are the Consensus Forecasts for Oportun Financial Corp FY2025Q3 Revenue and EPS?
Analysts' consensus predicts 238.90M in revenue and an EPS of 0.20 for Oportun Financial Corp's FY2025Q3.
What Does Intellectia's AI Predict for Oportun Financial Corp FY2025Q3 Earnings?
Intellectia's exclusive AI algorithms forecast a forOportun Financial Corp's FY2025Q3 earnings, with a prediction date of Nov 4, 2025. Oportun Financial Corp
How Can I Use This Earnings Prediction to Trade OPRT Stock?
Leverage Intellectia's AI forecast to position trades ahead of theNov 4, 2025 release—consider calls for a beat scenario or protective puts for misses. Focus on pre-market volatility, and use the scenario probabilities to build strategies around revenue and guidance updates.
How Accurate Is Intellectia's AI for Earnings Predictions Like Oportun Financial Corp FY2025Q3?
Intellectia's predictions are backed by rigorous backtesting, showing a high hit rate for Beat and Miss calls compared to traditional analysis. While no forecast is 100% certain, we provide probability-based scenarios (e.g., 50% chance of a *Beat*) and detailed rationales to help you make informed decisions. Combine our insights with your strategy for the best results—it's like having a co-pilot for earnings season! Empowering users to strategize trades before reports drop.
How does AI Earnings Prediction generate its forecasts?
AI Earnings Prediction uses advanced Large Language Models (LLMs) to analyze a wealth of data, including past earnings transcripts, real-time market sentiment, analyst insights, and company news from the last three months. It focuses on key indicators like revenue, EPS, and margins to predict whether a company will *Beat*, *Miss*, or remain Neutral relative to market expectations. Think of it as a super-smart analyst crunching numbers and news 24/7 to give you a trading edge!
When are the predictions available, and how often are they updated?
Predictions are generated two days before a company’s earnings release (e.g., 5:00 PM ET on Feb 13 for a Feb 15 report) to capture the latest market and company data. They’re updated in real-time if significant news breaks, ensuring you get fresh insights.
Can I use AI Earnings Prediction for all types of stocks?
Currently, AI Earnings Prediction focuses on companies with market caps above $40 billion, covering major players like SPG, AAPL, MSFT, and NVDA for the 2025-2026 earnings seasons. We prioritize high-impact stocks with robust data to ensure reliable forecasts. Stay tuned as we expand coverage to more companies based on user demand!
