Oportun Q4 Revenue $247.7M Beats Expectations
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 day ago
0mins
Should l Buy OPRT?
Reports Q4 revenue $247.7M, consensus $243.48M. "We finished 2025 with another solid performance, delivering our fifth consecutive quarter of GAAP profitability and meeting or outperforming each of our guidance metrics," said Raul Vazquez, CEO of Oportun. "Strong fourth quarter execution and a focus on high-quality originations drove results above the top end of our total revenue guidance range, with total revenue of $248 million. Supported by a fourth quarter annualized net charge-off rate at the low end of expectations, reduced funding costs, and disciplined expense management, we delivered $42 million of Adjusted EBITDA - 15% above the top end of our guidance range. Our full year results also demonstrate disciplined execution and our commitment to creating long-term shareholder value. In 2025, we grew originations by 10%, reduced interest expense by 3%, and lowered operating expenses by 12%. As a result, full year 2025 GAAP net income increased by $104 million, Adjusted EPS grew 89%, GAAP ROE improved markedly to 6.8%, and Adjusted ROE improved by nearly 1,000 basis points to 17.5%. Looking ahead to full year 2026, we expect improved profitability across metrics. We are guiding to full year Adjusted EPS between $1.50 and $1.65, reflecting 11% to 21% year-over-year growth."
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Analyst Views on OPRT
Wall Street analysts forecast OPRT stock price to rise
2 Analyst Rating
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 5.460
Low
5.50
Averages
7.25
High
9.00
Current: 5.460
Low
5.50
Averages
7.25
High
9.00
About OPRT
Oportun Financial Corporation is a financial services company. The Company offers access to a suite of financial products, offered either directly or through partners, including lending and savings powered by artificial intelligence. The Company's credit products include unsecured and secured personal loans. Its unsecured personal loan is a fully amortizing installment loan with fixed payments throughout the life of the loan. Its secured personal loan is a personal installment loan product secured by an automobile. It also offers automated savings, through its Set & Save platform. Its Set & Save product is designed to understand a member’s cash flows and save the right amount on a regular basis. It reaches incremental members through its Lending as a Service lead generation program. It allows consumers to become members and access its products through the Oportun Mobile App and the Oportun.com Website, which serve as its primary platforms for onboarding and providing member services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Oportun Financial Corporation Q4 2025 Earnings Highlights
- Profitability Improvement: Oportun achieved $25 million in GAAP net income for 2025, including $3.4 million in Q4, demonstrating sustained profitability and strong business execution, which is expected to enhance investor confidence.
- Significant Expense Control: The company reduced Q4 operating expenses to $84 million, marking the lowest level since going public, with a 12% decrease in full-year GAAP operating expenses from 2024, which will further enhance financial flexibility and profitability.
- Exploration of Risk Pricing Strategy: Management plans to reintroduce risk-based pricing above 36% APR for short-term loans, aimed at improving portfolio returns and expanding financial inclusion, a strategy that could provide new momentum for future revenue growth.
- Optimistic 2026 Outlook: Oportun expects total revenue for 2026 to range between $935 million and $955 million, with adjusted EPS projected to grow by 16%, maintaining a cautiously optimistic growth outlook despite macroeconomic uncertainties.
See More
Oportun (OPRT) Q4 2025 Earnings Call Transcript
See More
Oportun Financial Reports Q4 Earnings Beat Expectations
- Earnings Beat: Oportun Financial's Q4 non-GAAP EPS of $0.27 exceeded expectations by $0.01, demonstrating stability in profitability, even as revenue declined 1.3% year-over-year to $247.7 million, which still beat forecasts by $4.22 million, reflecting the company's resilience in the market.
- Optimistic Guidance: The company provided revenue guidance for Q1 2026 and full-year 2026 at $225 million to $230 million and $935 million to $955 million, respectively, indicating confidence in future growth, particularly in an uncertain economic environment, with expectations for stable annual revenue.
- Risk and Reward Balance: Despite an anticipated annualized net charge-off rate of 12.65% (±15 bps), Oportun has set an adjusted EBITDA target of $25 million to $30 million for 2026, showcasing a strategic balance between risk management and revenue growth.
- Leadership Change Impact: CEO Vazquez is set to step down by April, with the board initiating a search for new leadership, which may influence the company's strategic direction and market confidence, although the financial performance remains strong in the short term.
See More
Oportun Issues $485 Million Asset-Backed Notes at Sub-6% Yield
- Successful Note Issuance: Oportun successfully issued $485 million of two-year fixed-rate asset-backed notes with a yield of 5.32%, which is 45 basis points lower than the previous issuance, demonstrating the company's strong capital-raising capabilities in the market.
- Multi-Class Note Ratings: The offering included five classes of fixed-rate notes, with Fitch assigning ratings of AAA, AA-, A-, BBB-, and BB- to each class, reflecting investor confidence in Oportun's credit quality.
- Significant Debt Repayment: In 2025, Oportun repaid $70 million of corporate debt, including $37.5 million in the fourth quarter, indicating the company's ongoing efforts in balance sheet optimization and strong financial performance.
- Outstanding Capital Market Performance: Over the past nine months, Oportun has raised more than $1.9 billion in the asset-backed securities market at yields below 6%, showcasing effective strategies in reducing capital costs.
See More
Oportun Financial CEO Raul Vazquez to Step Down by April 2026, Forecasts 2025 Revenue of Up to $957 Million
- Executive Transition: Oportun CEO Raul Vazquez will step down by April 3, 2026, after nearly 14 years in leadership, and will serve as an adviser until July 3, 2026, indicating the company's commitment to stability during this leadership change.
- Financial Outlook: The company forecasts fourth-quarter revenue between $246 million and $248 million, with full-year revenue expected to reach $955 million to $957 million and net income projected at $23 million to $25 million, highlighting a positive growth trajectory.
- Earnings Report Schedule: Oportun plans to release final fourth-quarter and full-year results in mid-February, demonstrating a commitment to transparency and providing investors with updated financial insights.
- Market Reaction: Oportun's stock fell 0.0% in after-hours trading to $4.84, reflecting market caution regarding the executive transition and financial outlook, which may impact investor confidence.
See More
Oportun CEO to Present at Sidoti Conference, Highlighting $21.3 Billion in Credit Issued
- Investor Conference Participation: Oportun's CEO Raul Vazquez will present at the Sidoti Virtual Investor Conference on December 10, showcasing the company's mission-driven approach in financial services, which is expected to attract investor interest.
- Credit Achievement Showcase: Since its inception, Oportun has issued over $21.3 billion in responsible and affordable credit, enhancing the company's market image and laying a foundation for future financing and expansion opportunities.
- Cost Savings Impact: Oportun has saved its members more than $2.5 billion in interest and fees, a significant financial benefit that will further enhance customer loyalty and potentially drive future business growth.
- Annual Savings Capability: Oportun's members save an average of over $1,800 annually, a figure that not only reflects the value of the company's services but also provides a competitive edge in the crowded financial services market.
See More
Oportun Financial Corporation Q4 2025 Earnings Highlights
- Profitability Improvement: Oportun achieved $25 million in GAAP net income for 2025, including $3.4 million in Q4, demonstrating sustained profitability and strong business execution, which is expected to enhance investor confidence.
- Significant Expense Control: The company reduced Q4 operating expenses to $84 million, marking the lowest level since going public, with a 12% decrease in full-year GAAP operating expenses from 2024, which will further enhance financial flexibility and profitability.
- Exploration of Risk Pricing Strategy: Management plans to reintroduce risk-based pricing above 36% APR for short-term loans, aimed at improving portfolio returns and expanding financial inclusion, a strategy that could provide new momentum for future revenue growth.
- Optimistic 2026 Outlook: Oportun expects total revenue for 2026 to range between $935 million and $955 million, with adjusted EPS projected to grow by 16%, maintaining a cautiously optimistic growth outlook despite macroeconomic uncertainties.
See More
Oportun (OPRT) Q4 2025 Earnings Call Transcript
See More
Oportun Financial Reports Q4 Earnings Beat Expectations
- Earnings Beat: Oportun Financial's Q4 non-GAAP EPS of $0.27 exceeded expectations by $0.01, demonstrating stability in profitability, even as revenue declined 1.3% year-over-year to $247.7 million, which still beat forecasts by $4.22 million, reflecting the company's resilience in the market.
- Optimistic Guidance: The company provided revenue guidance for Q1 2026 and full-year 2026 at $225 million to $230 million and $935 million to $955 million, respectively, indicating confidence in future growth, particularly in an uncertain economic environment, with expectations for stable annual revenue.
- Risk and Reward Balance: Despite an anticipated annualized net charge-off rate of 12.65% (±15 bps), Oportun has set an adjusted EBITDA target of $25 million to $30 million for 2026, showcasing a strategic balance between risk management and revenue growth.
- Leadership Change Impact: CEO Vazquez is set to step down by April, with the board initiating a search for new leadership, which may influence the company's strategic direction and market confidence, although the financial performance remains strong in the short term.
See More
Oportun Issues $485 Million Asset-Backed Notes at Sub-6% Yield
- Successful Note Issuance: Oportun successfully issued $485 million of two-year fixed-rate asset-backed notes with a yield of 5.32%, which is 45 basis points lower than the previous issuance, demonstrating the company's strong capital-raising capabilities in the market.
- Multi-Class Note Ratings: The offering included five classes of fixed-rate notes, with Fitch assigning ratings of AAA, AA-, A-, BBB-, and BB- to each class, reflecting investor confidence in Oportun's credit quality.
- Significant Debt Repayment: In 2025, Oportun repaid $70 million of corporate debt, including $37.5 million in the fourth quarter, indicating the company's ongoing efforts in balance sheet optimization and strong financial performance.
- Outstanding Capital Market Performance: Over the past nine months, Oportun has raised more than $1.9 billion in the asset-backed securities market at yields below 6%, showcasing effective strategies in reducing capital costs.
See More
Oportun Financial CEO Raul Vazquez to Step Down by April 2026, Forecasts 2025 Revenue of Up to $957 Million
- Executive Transition: Oportun CEO Raul Vazquez will step down by April 3, 2026, after nearly 14 years in leadership, and will serve as an adviser until July 3, 2026, indicating the company's commitment to stability during this leadership change.
- Financial Outlook: The company forecasts fourth-quarter revenue between $246 million and $248 million, with full-year revenue expected to reach $955 million to $957 million and net income projected at $23 million to $25 million, highlighting a positive growth trajectory.
- Earnings Report Schedule: Oportun plans to release final fourth-quarter and full-year results in mid-February, demonstrating a commitment to transparency and providing investors with updated financial insights.
- Market Reaction: Oportun's stock fell 0.0% in after-hours trading to $4.84, reflecting market caution regarding the executive transition and financial outlook, which may impact investor confidence.
See More
Oportun CEO to Present at Sidoti Conference, Highlighting $21.3 Billion in Credit Issued
- Investor Conference Participation: Oportun's CEO Raul Vazquez will present at the Sidoti Virtual Investor Conference on December 10, showcasing the company's mission-driven approach in financial services, which is expected to attract investor interest.
- Credit Achievement Showcase: Since its inception, Oportun has issued over $21.3 billion in responsible and affordable credit, enhancing the company's market image and laying a foundation for future financing and expansion opportunities.
- Cost Savings Impact: Oportun has saved its members more than $2.5 billion in interest and fees, a significant financial benefit that will further enhance customer loyalty and potentially drive future business growth.
- Annual Savings Capability: Oportun's members save an average of over $1,800 annually, a figure that not only reflects the value of the company's services but also provides a competitive edge in the crowded financial services market.
See More
