Results of Operations and Financial Condition On November 3, 2026, Oportun Financial Corporation (the “Company”) issued a press release regarding the Company’s financial results for its fiscal quarter ended September 30, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this report. The information in this report, including Exhibit 99.1 attached hereto, is being furnished and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of…

CFO — William Franklin: The filing announces the appointment of an external candidate as CFO, which is a significant management change but not a departure of a sitting executive.

The filing discloses the approval of an amended severance and change in control policy, which is a compensatory arrangement rather than a change in personnel.

Director — Scott Scheirman: The filing discloses the appointment of a new independent director to fill a vacancy created by an increase in board size, which is a standard governance action rather than a change in executive management.

Results of Operations and Financial Condition On August 5, 2026, the Company issued a press release regarding the Company’s financial results for its fiscal quarter ended June 30, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this report. The information in this report, including Exhibit 99.1 attached hereto, is being furnished and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), n…

Entry into a Material Definitive Agreement On June 30, 2026, (the “Effective Date”) Oportun Financial Corporation (the “Company”) through its subsidiary, Oportun, Inc., (“Oportun”) entered into a Program Management Agreement (the “Agreement”) with Column National Association, a national banking association (“Column”), establishing a new lending program. Under the Agreement, Column will originate certain unsecured personal loans for consumers in select states. Oportun will provide the platform…

Entry into a Material Definitive Agreement On June 22, 2026, Oportun Financial Corporation (the “Company”) entered into a letter agreement (the “Agreement”) with Bradley L. Radoff and The Radoff Family Foundation (together, the “Radoff Parties”). The Agreement provides, among other things, that: • two of the current Class I directors will retire from the Company’s Board of Directors no later than the conclusion of the Company’s 2026 annual meeting of stockholders; • the Radoff Parties will be…

Chief Credit Officer — Patrick Kirscht: Mr. Kirscht mutually determined to depart from the Company.

Results of Operations and Financial Condition On May 7, 2026, the Company issued a press release regarding the Company’s financial results for its fiscal quarter ended March 31, 2026. A copy of the Company’s press release is furnished as Exhibit 99.1 to this report. The information in this report, including Exhibit 99.1 attached hereto, is being furnished and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), nor…

Chief Executive Officer and Director — Doug Bland: Doug Bland was appointed as the new CEO and director, marking a significant leadership change.

CEO — Raul Vazquez: Raul Vazquez is stepping down as CEO and from the board, leading to a joint Office of the CEO with Kathleen Layton and Gaurav Rana.

Results of Operations and Financial Condition On February 26, 2026, Oportun Financial Corporation (the “Company”) issued a press release regarding the Company’s financial results for its fiscal quarter and full year ended December 31, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this report. The information in this report, including Exhibit 99.1 attached hereto, shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, no…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant 2026-A Securitization On February 9, 2026, Oportun Financial Corporation's (the “Company”) subsidiary, Oportun Issuance Trust 2026-A (the “Issuer”), issued approximately $485 million of two-year revolving fixed rate asset-backed notes (the “Notes”), secured by a pool of its unsecured and secured personal installment loans (the “2026-A Securitization”). The 2026-A Securitization in…

CEO — Raul Vazquez: Mr. Raul Vazquez is stepping down as CEO and will be replaced by a new chief executive officer.

Results of Operations and Financial Condition On January 21, 2026, Oportun Financial Corporation (the “Company”) issued a press release announcing certain preliminary unaudited financial and operating results for the fourth quarter and full fiscal year ended December 31, 2025. A copy of the Company’s press release is attached hereto as Exhibit 99.1 to this report. The Company’s audited financial statements for the year ended December 31, 2025 are not yet available. Accordingly, these prelimin…

Results of Operations and Financial Condition On November 4, 2025, the Company issued a press release regarding the Company’s financial results for its fiscal quarter ended September 30, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this report. The information in this report, including Exhibit 99.1 attached hereto, is being furnished and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange A…

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant Personal Loan Warehouse Facility (PLW IV) On October 14, 2025, Oportun Financial Corporation (the “Company”) entered into a new warehouse financing facility (the “PLW IV Warehouse Facility”). In connection with the PLW IV Warehouse Facility, Oportun PLW IV Trust (the “Borrower”), a subsidiary of the Company, entered into a Loan and Security Agreement (the “Loan and Security Agreem…

Entry into a Material Definitive Agreement On September 26, 2025, Oportun Financial Corporation (the “Company”) through its subsidiary, Oportun, Inc., (“Oportun”) entered into the First Amendment to the Amended and Restated Program Agreement (the “Amendment”) with Pathward, National Association (“Pathward”). The Amendment modifies certain terms of the Amended and Restated Program Agreement dated August 11, 2025, between Oportun and Pathward (the “Program Agreement”). Under the Amendment, Path…

Director — Mr. Wilcox: Appointment of Mr. Wilcox to additional Board committees and compensation details.

Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant The disclosure provided in

Entry into a Material Definitive Agreement 2025-C Securitization On August 21, 2025, Oportun Financial Corporation (the “Company”) issued a press release announcing the issuance of approximately $538 million of two-year revolving fixed rate asset-backed notes (the “Notes”) by Oportun Issuance Trust 2025-C (the “Issuer”) and secured by a pool of its unsecured and secured personal installment loans (the “2025-C Securitization”). The 2025-C Securitization included five classes of fixed rate note…

Results of Operations and Financial Condition On August 6, 2025, the Company issued a press release regarding the Company’s financial results for its fiscal quarter ended June 30, 2025. A copy of the Company’s press release is furnished as Exhibit 99.1 to this report. The information in this report, including Exhibit 99.1 attached hereto, is being furnished and shall not be treated as “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), n…

Entry into a Material Definitive Agreement On August 5, 2025, Oportun Financial Corporation (the “Company”) through its subsidiary, Oportun, Inc., (“Oportun”) entered into an Amended and Restated Program Agreement (the “Agreement”) with Pathward, National Association (“Pathward”), to be effective as of August 11, 2025 (the “Effective Date”). The Agreement amends and restates the original program agreement between Oportun and Pathward dated August 11, 2020, as amended, restated or otherwise mo…

Principal Financial Officer and Principal Accounting Officer — Joseph Schueller: Mr. Joseph Schueller was appointed as the Principal Financial Officer and Principal Accounting Officer, replacing Raul Vazquez.

Entry into a Material Definitive Agreement On July 14, 2025, Oportun Financial Corporation (the “Company”) entered into a letter agreement (the “Agreement”) with Findell Capital Management LLC and certain of its affiliates (collectively, “Findell”). Pursuant to the Agreement, on the day following the conclusion of the Company’s 2025 annual meeting of stockholders, Warren Wilcox will join the Company’s board of directors (the “Board”) as a Class III director with a term expiring at the Company…