Oportun Q4 net income USD 3.4 million, pre-tax income USD 6.6 million up 68%

Reuters02-27

Oportun Q4 net income USD 3.4 million, pre-tax income USD 6.6 million up 68%

Oportun reported Q4 FY 2025 total revenue of USD 248 million (-1.0%), GAAP net income of USD 3.4 million and diluted EPS of USD 0.07, alongside adjusted EBITDA of USD 42 million and adjusted EPS of USD 0.27. For FY 2025, Oportun posted total revenue of USD 957 million, GAAP net income of USD 25 million and diluted EPS of USD 0.53, with adjusted EBITDA of USD 148 million (+42.0%) and adjusted EPS of USD 1.36 (+89.0%). In Q4, aggregate originations were USD 495 million (-5.0%), owned principal balance ended at USD 2.74 billion (+2.0%), the annualized net charge-off rate was 12.3%, and the 30+ day delinquency rate was 4.9%. Oportun said it tightened credit by concentrating originations toward existing members, and highlighted growth in secured personal loans, with secured personal loan receivables at USD 226 million at year-end (+39.0%). The company guided FY 2026 total revenue of USD 935 million to USD 955 million and adjusted EPS of USD 1.50 to USD 1.65.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. Oportun Financial Corp. published the original content used to generate this news brief on February 26, 2026, and is solely responsible for the information contained therein.

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