Oportun Financial (NASDAQ:OPRT) Updates Q4 2025 Earnings Guidance

Oportun Financial (NASDAQ:OPRT) issued an update on its fourth quarter 2025 earnings guidance on Wednesday morning. The company provided earnings per share guidance of 0.230-0.270 for the period, compared to the consensus earnings per share estimate of 0.250. The company issued revenue guidance of $246.0 million-$248.0 million, compared to the consensus revenue estimate of $241.8 million. Oportun Financial also updated its FY 2025 guidance to 1.320-1.360 EPS.

Oportun Financial Trading Down 0.2%

NASDAQ:OPRT opened at $4.84 on Thursday. The firm has a market cap of $213.59 million, a P/E ratio of 7.33 and a beta of 1.21. Oportun Financial has a 12-month low of $3.67 and a 12-month high of $9.24. The stock’s 50 day simple moving average is $5.18 and its 200-day simple moving average is $5.76.

Oportun Financial (NASDAQ:OPRT) last released its quarterly earnings data on Wednesday, November 5th. The company reported $0.39 earnings per share for the quarter, beating the consensus estimate of $0.26 by $0.13. Oportun Financial had a return on equity of 17.61% and a net margin of 3.19%.The firm had revenue of $238.69 million during the quarter, compared to the consensus estimate of $238.52 million. Research analysts forecast that Oportun Financial will post 0.94 EPS for the current fiscal year.

Wall Street Analysts Forecast Growth

Several research firms have commented on OPRT. JPMorgan Chase & Co. raised shares of Oportun Financial from an “underweight” rating to a “neutral” rating and set a $5.50 price objective for the company in a research report on Monday, January 12th. Wall Street Zen lowered Oportun Financial from a “strong-buy” rating to a “buy” rating in a research report on Tuesday. Weiss Ratings reiterated a “sell (d+)” rating on shares of Oportun Financial in a research note on Monday, December 29th. Finally, Zacks Research cut Oportun Financial from a “strong-buy” rating to a “hold” rating in a research note on Monday, October 6th. Two investment analysts have rated the stock with a Buy rating, four have assigned a Hold rating and one has issued a Sell rating to the company’s stock. According to MarketBeat.com, Oportun Financial has an average rating of “Hold” and an average target price of $8.50.

Institutional Investors Weigh In On Oportun Financial

Several hedge funds have recently modified their holdings of the business. Virtu Financial LLC acquired a new position in shares of Oportun Financial during the third quarter valued at about $64,000. The Manufacturers Life Insurance Company bought a new position in Oportun Financial during the second quarter valued at about $85,000. PharVision Advisers LLC acquired a new position in Oportun Financial in the 3rd quarter valued at approximately $77,000. New York State Common Retirement Fund bought a new stake in shares of Oportun Financial in the 2nd quarter worth approximately $97,000. Finally, Centiva Capital LP acquired a new stake in shares of Oportun Financial during the 3rd quarter worth approximately $86,000. 82.70% of the stock is owned by institutional investors.

About Oportun Financial

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.