Oportun Financial (NASDAQ:OPRT) Releases Earnings Results, Beats Estimates By $0.03 EPS

Oportun Financial (NASDAQ:OPRT) announced its earnings results 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. Oportun Financial had a return on equity of 14.97% and a net margin of 2.64%.The business had revenue of $247.80 million for the quarter, compared to analyst estimates of $243.48 million. 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

NASDAQ OPRT traded down $0.28 during trading on Friday, reaching $5.18. 1,327,240 shares of the company’s stock were exchanged, compared to its average volume of 513,193. The business has a 50 day moving average price of $5.30 and a 200-day moving average price of $5.57. The stock has a market capitalization of $228.59 million, a P/E ratio of 9.77 and a beta of 1.18. Oportun Financial has a fifty-two week low of $4.05 and a fifty-two week high of $7.97.

Institutional Inflows and Outflows

A number of institutional investors have recently made changes to their positions in OPRT. Jump Financial LLC lifted its position in Oportun Financial by 126.2% during the second quarter. Jump Financial LLC now owns 162,643 shares of the company’s stock worth $1,165,000 after acquiring an additional 90,725 shares during the last quarter. Invesco Ltd. grew its position in shares of Oportun Financial by 246.5% in the second quarter. Invesco Ltd. now owns 484,492 shares of the company’s stock valued at $3,469,000 after purchasing an additional 344,659 shares during the last quarter. Arrowstreet Capital Limited Partnership increased its stake in shares of Oportun Financial by 78.3% during the second quarter. Arrowstreet Capital Limited Partnership now owns 93,155 shares of the company’s stock worth $667,000 after purchasing an additional 40,913 shares during the period. New York State Common Retirement Fund acquired a new stake in Oportun Financial during the 2nd quarter worth approximately $97,000. Finally, American Century Companies Inc. lifted its holdings in Oportun Financial by 32.6% during the 2nd quarter. American Century Companies Inc. now owns 72,407 shares of the company’s stock worth $518,000 after purchasing an additional 17,788 shares during the last quarter. 82.70% of the stock is owned by institutional investors and hedge funds.

More Oportun Financial News

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

• Positive Sentiment: Q4 results: Oportun reported $0.27 EPS, beating consensus and delivering revenue of $247.8M, modestly above estimates — a sign profits and top-line execution were intact. Zacks Q4 coverage
• Positive Sentiment: FY‑2026 EPS guidance raised: the company set FY‑2026 EPS at $1.50–$1.65, above street consensus (~$1.43), implying better profitability per share than expected. Press release / slides
• Positive Sentiment: Analyst support: BTIG reaffirmed a Buy rating and assigned a $9 price target, signaling substantial upside from current levels and providing third‑party validation. Benzinga article
• Neutral Sentiment: Conference call and transcripts available for review — useful for detail on margin drivers, credit trends and capital deployment but not new results. Earnings call transcript (Yahoo)
• Negative Sentiment: Revenue guidance miss: FY‑2026 revenue was guided to $935M–$955M and Q1 revenue to $225M–$230M, both below consensus (FY consensus ~ $984M; Q1 ~ $241M), suggesting slower top‑line growth than investors expected. Guidance details (press release)
• Negative Sentiment: Market reaction: the combination of lower-than-expected revenue guidance and the magnitude of the top-line shortfall likely outweighed the EPS beat and EPS guidance raise, driving the stock down on elevated volume. MarketBeat summary

Wall Street Analysts Forecast Growth

A number of analysts have recently commented on the stock. Weiss Ratings reissued a “sell (d+)” rating on shares of Oportun Financial in a research report on Monday, December 29th. Wall Street Zen cut shares of Oportun Financial from a “buy” rating to a “hold” rating in a research report on Saturday. JPMorgan Chase & Co. upgraded Oportun Financial from an “underweight” rating to a “neutral” rating and set a $5.50 price objective for the company in a report on Monday, January 12th. Finally, BTIG Research reaffirmed a “buy” rating and issued a $9.00 target price on shares of Oportun Financial in a research report on Friday. Two equities research analysts have rated the stock with a Buy rating, three have issued a Hold rating and one has assigned a Sell rating to the stock. According to data from MarketBeat, Oportun Financial has an average rating of “Hold” and an average target price of $8.17.

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.