Oportun Financial Corp (OPRT) Guidance & Earnings Results
On 2026-08-05 Oportun Financial Corp raised guidance: "FY2026 Adjusted EBITDA raised to $160-175M from ~$158-165M (6% at midpoint); FY2026 Annualized Net Charge-Off Rate improved to 11.7% +/- 30 bps from ~11.9% (20 bps improvement); Q3 2026 Total Revenue $235-240M; Q3 2026…" — from its own filing, as read by EquiReason.
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
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- Market cap
- 422.6M
- P/E TTM
- 23.0
- Dividend yield
- —
- 52-week
- —
- Next earnings
- 3 Nov, in 10 days
What management guided
each earnings 8-K · figures checked against the filing text| Release | Direction | What they said |
|---|---|---|
| 5 Aug 26 | Raised | FY2026 Adjusted EBITDA raised to $160-175M from ~$158-165M (6% at midpoint); FY2026 Annualized Net Charge-Off Rate improved to 11.7% +/- 30 bps from ~11.9% (20 bps improvement); Q3 2026 Total Revenue $235-240M; Q3 2026 Adjusted EBITDA $43-48M; FY2026 Total Revenue $935-955M; FY2026 Adjusted Net Income $74-82M; FY2026 Adjusted EPS $1.50-1.65 · full year |
| 7 May 26 | Reaffirmed | FY2026 Total Revenue $935-955M; Adjusted EPS $1.50-1.65; Adjusted EBITDA $150-165M; Q2 2026 Total Revenue $227-232M; Q2 2026 Adjusted EBITDA $34-39M; FY2026 Annualized Net Charge-Off Rate 11.9% +/- 50 bps; Q2 2026 Annualized Net Charge-Off Rate 12.2% +/- 15 bps · full year |
| 26 Feb 26 | Raised | FY2026 revenue $935-955M; Adjusted EPS $1.50-$1.65 (11-21% growth); Adjusted EBITDA $150-165M; Q1 revenue $225-230M; Q1 Adjusted EBITDA $25-30M · full year |
| 21 Jan 26 | Raised | FY25 Total Revenue raised to $955-957M from $950-955M; FY25 Adjusted EBITDA raised to $146-148M from $137-143M; FY25 Adjusted EPS $1.32-1.36 vs prior $1.30-1.40; Q4 Total Revenue $246-248M vs prior $241-246M; Q4 Adjusted EBITDA $40-42M vs prior $31-37M; Q4 Adjusted EPS $0.23-0.27 vs prior N/A · full year |
| 4 Nov 25 | Raised | FY25 Adjusted EPS raised to $1.30-$1.40 from prior; FY25 Total Revenue $950-$955M; FY25 Adjusted EBITDA $137-$143M; FY25 Adjusted Net Income $63-$67M; FY25 Annualized NCO Rate 12.1% +/-10 bps; FY25 GAAP Operating Expense ~$370M (reduced from $380M); Q4 Total Revenue $241-$246M; Q4 Annualized NCO Rate 12.45% +/-15 bps; Q4 Adjusted EBITDA $31-$37M · full year |
| 6 Aug 25 | Raised | FY25 adjusted EPS raised to $1.20-$1.40 (8% at midpoint); FY25 revenue $945-$960M (lowered high end by $10M); Q3 revenue $237-$242M; Q3 adjusted EBITDA $34-$39M; FY25 adjusted EBITDA $135-$145M; FY25 adjusted net income $58-$67M; FY25 annualized net charge-off rate 11.9% +/- 30bps; Q3 annualized net charge-off rate 11.8% +/- 15bps · full year |
Oportun Financial Corp — questions
- What guidance did Oportun Financial Corp give?
- On 2026-08-05: "FY2026 Adjusted EBITDA raised to $160-175M from ~$158-165M (6% at midpoint); FY2026 Annualized Net Charge-Off Rate improved to 11.7% +/- 30 bps from ~11.9% (20 bps improvement); Q3 2026 Total Revenue $235-240M; Q3 2026 Adjusted EBITDA $43-48M; FY2026 Total Revenue $935-955M; FY2026 Adjusted Net Inco"
- When does Oportun Financial Corp report earnings?
- Oportun Financial Corp's next earnings report is expected on 2026-11-03.
Every figure on this page comes from Oportun Financial Corp's own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.