Oportun Q4 Revenue $247.7M Beats Expectations

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."