Oportun Financial Corp. (OPRT)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$7.87+6.21%
Close 2026-09-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · OPRT
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 1 guided quarters · 200.0% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Focus on increasing loan originations and total revenue while maintaining a tight and disciplined credit risk approach to ensure sustainable growth.
Stated as a priority in 2 of last 2 quarters. Aggregate Originations grew modestly from $481M in 2025-Q2 to $488M in 2026-Q2 (+1%), with management targeting mid-single-digit growth for full year 2026. Total revenue was flat year-over-year at $233M in 2026-Q2 and slightly down in 2026-Q1 versus prior year. The trajectory shows delivering modest growth consistent with management's disciplined credit posture.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 60% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Disciplined execution, including a return to originations growth, enabled us to deliver another quarter of GAAP profitability.”
“Management continues to expect to grow originations in the mid-single-digits range over the course of full year 2026.”
Maintain disciplined credit risk management to reduce and improve the annualized net charge-off rate and delinquency metrics.
Stated as a priority in 2 of last 2 quarters. Annualized Net Charge-Off Rate was 12.0% in 2026-Q2, slightly above 11.9% in 2025-Q2, and 12.7% in 2026-Q1 versus 12.2% in 2025-Q1. The 30+ Day Delinquency Rate improved to 4.0% in 2026-Q2 from 4.4% in 2025-Q2, and to 4.5% in 2026-Q1 from 4.7% in 2025-Q1. Management's guidance and commentary indicate a focus on improving credit performance, with mixed but improving trends.
“Improving our annualized net charge-off range expectation by 20 basis points; 30-plus day delinquency rate lowest since 4Q21.”
“We expect to ramp originations while maintaining credit discipline and reducing our loss rates.”
Continue to control operating expenses and improve operating expense ratios to enhance profitability and efficiency.
Stated as a priority in 2 of last 2 quarters. Operating expenses decreased from $94M in 2025-Q2 to $90M in 2026-Q2 (-5%) and from $93M in 2025-Q1 to $91M in 2026-Q1 (-1%). Operating Expense Ratios improved modestly in both quarters. Management expects full year 2026 GAAP operating expenses to be substantially flat versus 2025, indicating delivering on expense discipline.
“Total operating expense was $90 million, a decrease of 5% compared to $94 million in prior-year quarter.”
“Total operating expense was $91 million, a decrease of 1% compared to $93 million in prior-year quarter.”
Enhance the executive leadership team and risk management capabilities to support disciplined growth and credit performance.
Stated as a priority in 2 of last 2 quarters. Management appointed Sean Rowles as Chief Risk Officer in June 2026 to strengthen risk and credit functions. This leadership change is positioned as a key milestone to support disciplined growth and credit performance. The trajectory shows active management focus on leadership and risk capabilities.
“Appointing Sean Rowles as Chief Risk Officer in June was a key milestone in our path towards durable growth.”
“Sean Rowles brings deep experience and will help drive Oportun's continued success.”
Achieve the full year 2026 financial guidance targets for total revenue and adjusted earnings per share.
Stated as a priority in 2 of last 2 quarters. Management reiterated full year 2026 revenue guidance of $935M to $955M and Adjusted EPS guidance of $1.50 to $1.65. The company raised full year Adjusted EBITDA range by 6% at midpoint in 2026-Q2. The trajectory is consistent with delivering on stated financial guidance.
“Raising full year Adjusted EBITDA range expectation by 6% at midpoint and Adjusted EPS guidance $1.50 to $1.65.”
“Reiterating full year 2026 Adjusted EPS guidance of $1.50 to $1.65 reflecting 16% growth at midpoint.”
Over the trailing year it converted -7.06x of net income into operating cash flow.
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
34 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.