Oportun Financial (NASDAQ:OPRT) Announces Quarterly Earnings Results

Oportun Financial (NASDAQ:OPRT) announced its quarterly earnings data on Thursday. The company reported $0.27 earnings per share for the quarter, beating the consensus estimate of $0.24 by $0.03, FiscalAI reports. The firm had revenue of $247.80 million during the quarter, compared to analysts’ expectations of $243.48 million. Oportun Financial had a return on equity of 17.61% and a net margin of 3.19%. Oportun Financial updated its FY 2026 guidance to 1.500-1.650 EPS.

Here are the key takeaways from Oportun Financial’s conference call:

• We achieved sustained GAAP profitability in 2023 with $25M net income, adjusted EPS up 89%, and adjusted ROE improving to 17.5%, driven by originations growth, better credit, and expense discipline.
• Credit performance was mixed—Q4 annualized net charge-offs were 12.3% (at the low end of guidance) and delinquencies are expected to peak in Q1 then moderate, signaling near-term pressure but improving trends thereafter.
• Balance sheet optimization materially lowered cost of capital—reduced high‑cost corporate debt, increased warehouse capacity and tenors, and completed a $485M ABS at a ~5.3% yield, supporting at least a 10% decline in 2024 interest expense.
• Management is testing a return to risk-based pricing (above 36% APR for select short-term, higher‑risk segments) while selectively lowering APRs for high-quality returning members, a move designed to improve unit economics and expand addressable market over time.
• CEO Raul Vazquez will step down by April 3rd (serving as advisor through July 3rd), introducing near-term leadership transition risk despite management’s plan for an orderly handoff.

Oportun Financial Price Performance

Shares of OPRT traded down $0.28 during trading hours on Friday, hitting $5.18. The stock had a trading volume of 1,324,686 shares, compared to its average volume of 569,170. The firm has a 50 day simple moving average of $5.30 and a 200-day simple moving average of $5.57. Oportun Financial has a 1-year low of $4.05 and a 1-year high of $7.97. The firm has a market capitalization of $228.59 million, a P/E ratio of 7.85 and a beta of 1.18.

Key Stories Impacting Oportun Financial

Here are the key news stories impacting Oportun Financial this week:

• Positive Sentiment: Q4 results beat consensus: Oportun reported $0.27 EPS and $247.8M revenue, topping estimates and showing operating performance that beat Street expectations. Zacks: Q4 Earnings Beat
• Positive Sentiment: Company raised FY 2026 EPS guidance to $1.50–$1.65, above consensus (~$1.43), signaling management expects stronger full‑year profitability. MarketBeat: Guidance & Release
• Neutral Sentiment: Analyst support: BTIG reaffirmed a “buy” rating and set a $9 price target (large upside vs. current levels), which may support investor confidence over the medium term. TickerReport: BTIG Reaffirmed Buy
• Neutral Sentiment: Full earnings materials and call transcripts are available for investors digging into details (slides, press release, call transcripts). These provide color on credit trends, reserves and margin drivers. Company Slide Deck & Press Release Yahoo: Call Transcript
• Negative Sentiment: Revenue guidance misses: Q1 revenue guidance of $225–$230M and FY revenue guidance of $935–$955M are materially below consensus (~Q1 $240.9M; FY ~$983.8M). The top‑line shortfall is the main near‑term negative catalyst prompting the sell‑off. MarketBeat: Guidance Details

Wall Street Analyst Weigh In

A number of analysts have recently weighed in on the stock. Wall Street Zen downgraded shares of Oportun Financial from a “strong-buy” rating to a “buy” rating in a report on Tuesday, January 20th. BTIG Research restated a “buy” rating and set a $9.00 price objective on shares of Oportun Financial in a research report on Friday. JPMorgan Chase & Co. upgraded Oportun Financial from an “underweight” rating to a “neutral” rating and set a $5.50 target price for the company in a research note on Monday, January 12th. Finally, Weiss Ratings reiterated a “sell (d+)” rating on shares of Oportun Financial in a research note on Monday, December 29th. Two analysts have rated the stock with a Buy rating, three have given a Hold rating and one has given a Sell rating to the company’s stock. According to data from MarketBeat, the company has an average rating of “Hold” and a consensus target price of $8.17.

Institutional Trading of Oportun Financial

Several hedge funds have recently bought and sold shares of OPRT. Federated Hermes Inc. lifted its stake in shares of Oportun Financial by 96.9% in the fourth quarter. Federated Hermes Inc. now owns 40,000 shares of the company’s stock valued at $212,000 after buying an additional 19,688 shares in the last quarter. State of Tennessee Department of Treasury purchased a new stake in Oportun Financial in the 4th quarter valued at about $145,000. Zacks Investment Management bought a new position in shares of Oportun Financial during the 3rd quarter worth approximately $139,000. NewEdge Advisors LLC purchased a new position in shares of Oportun Financial in the 1st quarter worth approximately $132,000. Finally, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. bought a new position in shares of Oportun Financial in the second quarter valued at approximately $131,000. Institutional investors and hedge funds own 82.70% of the company’s stock.

Oportun Financial Company Profile

Oportun Financial Corporation (NASDAQ: OPRT) is a financial technology company that provides consumer lending products aimed at serving the underbanked and credit-invisible population in the United States. Headquartered in Redwood City, California, Oportun operates a digital platform that enables borrowers to access credit through unsecured personal installment loans, secured credit-builder loans and a proprietary mobile wallet. The company leverages machine learning and alternative data sources to assess creditworthiness, extending financial services to customers with limited or no traditional credit history.

The company’s core offerings include fixed-term installment loans designed to help individuals cover unexpected expenses, consolidate debt or build credit.