Oportun Financial (NASDAQ:OPRT) Issues Quarterly Earnings Results, Beats Expectations By $0.03 EPS

Oportun Financial (NASDAQ:OPRT) announced its quarterly earnings data on Thursday. The company reported $0.27 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates of $0.24 by $0.03, FiscalAI reports. The business had revenue of $247.80 million for 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 Trading Down 5.1%

Oportun Financial stock traded down $0.28 during trading hours on Friday, hitting $5.18. 1,324,686 shares of the stock traded hands, compared to its average volume of 569,170. Oportun Financial has a one year low of $4.05 and a one year high of $7.97. The firm’s 50-day moving average price is $5.30 and its two-hundred day moving average price is $5.57. The company has a market cap of $228.59 million, a PE ratio of 7.85 and a beta of 1.18.

Wall Street Analysts Forecast Growth

OPRT has been the subject of a number of recent research reports. BTIG Research reiterated a “buy” rating and issued a $9.00 price objective on shares of Oportun Financial in a research note on Friday. Weiss Ratings reiterated a “sell (d+)” rating on shares of Oportun Financial in a research report on Monday, December 29th. JPMorgan Chase & Co. upgraded Oportun Financial from an “underweight” rating to a “neutral” rating and set a $5.50 price objective on the stock in a research report on Monday, January 12th. Finally, Wall Street Zen cut shares of Oportun Financial from a “strong-buy” rating to a “buy” rating in a research report on Tuesday, January 20th. 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. Based on data from MarketBeat, Oportun Financial currently has an average rating of “Hold” and a consensus price target of $8.17.

More Oportun Financial News

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

Hedge Funds Weigh In On Oportun Financial

A number of institutional investors have recently added to or reduced their stakes in the company. Millennium Management LLC lifted its position in Oportun Financial by 28.9% during the first quarter. Millennium Management LLC now owns 1,936,797 shares of the company’s stock valued at $10,633,000 after buying an additional 433,827 shares during the period. NewEdge Advisors LLC bought a new position in shares of Oportun Financial in the 1st quarter worth about $132,000. Goldman Sachs Group Inc. increased its stake in shares of Oportun Financial by 499.3% in the 1st quarter. Goldman Sachs Group Inc. now owns 313,446 shares of the company’s stock worth $1,721,000 after acquiring an additional 261,147 shares in the last quarter. Empowered Funds LLC boosted its stake in Oportun Financial by 7.5% during the first quarter. Empowered Funds LLC now owns 124,980 shares of the company’s stock worth $686,000 after acquiring an additional 8,752 shares in the last quarter. Finally, Jane Street Group LLC boosted its stake in Oportun Financial by 238.6% during the first quarter. Jane Street Group LLC now owns 191,066 shares of the company’s stock worth $1,049,000 after acquiring an additional 134,643 shares in the last quarter. Institutional investors own 82.70% of the company’s stock.

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.