Oportun Financial
Offers personal loans, auto-secured credit, and automated savings tools for credit-constrained members.
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Profile
Provides unsecured and automobile-secured personal loans, plus Set & Save budgeting and savings tools, through one North America segment. Interest income comes mainly from lending, with unsecured loans carrying most revenue and profitability while Pathward originates nearly all personal-loan volume.
Provides unsecured personal loans and automobile-secured personal loans, with Set & Save adding automated budgeting and savings. The lending products are fixed-payment installment credit; Set & Save analyzes linked-account activity and moves small amounts toward member goals.
Revenue is generated in North America and managed as one reportable segment. Unsecured personal loans remain the main engine of revenue and profitability, while secured loans expand the borrowing range for members who can pledge a vehicle.
The model depends on regulated consumer-lending operations, external funding structures, and Pathward. Credit-card receivables have been sold, leaving the current mix centered on loans and savings.
Company facts
Categories
Key statistics
Year to date +45.7% · Average volume (30d) 447.0K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Target |
|---|---|---|---|---|---|
| Aug 6, 2026 | Stephens | Reiterate | Overweight | $8 | |
| Jan 12, 2026 | JP Morgan | Upgrade | Underweight | Neutral | |
| Oct 7, 2025 | JP Morgan | Downgrade | Neutral | Underweight |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 5, 2026Q2 FY26 | $0.33 | $0.42 | +28.6% | $230.7M | $233.2M | +1.1% | +32.84% |
| May 7, 2026Q1 FY26 | $0.21 | $0.21 | 0.0% | $228.6M | $228.8M | +0.1% | 0.00% |
| Feb 26, 2026Q4 FY25 | $0.26 | $0.27 | +3.8% | $243.1M | $247.7M | +1.9% | −5.13% |
| Nov 4, 2025Q3 FY25 | $0.26 | $0.39 | +50.0% | $243.5M | $161.7M | −33.6% | +1.56% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $163.2M | $164.1M | $161.7M | $148.3M | $142.8M | $233.2M | |
| Gross profit | $105.8M | $104.6M | $105.1M | $90.4M | $94.8M | $191.3M | |
| Operating income | $13.2M | $10.1M | $14.2M | $6.6M | $3.6M | $15.6M | |
| Net income | $9.8M | $6.9M | $5.2M | $3.4M | $2.4M | $8.5M | |
| Diluted EPS | $0.21 | $0.14 | $0.11 | $0.07 | $0.05 | $0.17 | |
| Gross margin | 64.8% | 63.7% | 65.0% | 60.9% | 66.4% | 82.0% | |
| Operating margin | 8.1% | 6.2% | 8.8% | 4.4% | 2.5% | 6.7% |
Fiscal years (4-quarter sums)FY21 $578.2M · FY22 $733.7M · FY23 $460.1M · FY24 $533.4M · FY25 $637.3M
Balance sheet, Jun 30, 2026Cash & short-term investments $139.6M · Total debt $2.66B · Total assets $3.13B · Shareholders' equity $407.1M
Dividends
No dividends on record.
Ownership
Shares outstanding 45.90M · Float 29.52M · 64.3% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| NB Alternatives Advisers LLC | 4.39M | 9.90% | 13D | May 28, 2025 |
| Neuberger Berman Group LLC | 3.81M | 8.30% | 13F | May 14, 2026 |
| Forager Capital Management, LLC | 3.51M | 7.90% | 13G | Apr 21, 2026 |
| BlackRock, Inc. | 3.08M | 6.70% | 13F | May 13, 2026 |
| Findell Capital Management LLC | 2.75M | 5.99% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 10, 2026 | Kathleen I. Layton | officer: Chief Legal Officer | −19,355 | $4.90 |
| Mar 10, 2026 | Patrick Kirscht | officer: Chief Credit Officer | −54,299 | $4.90 |
| Sep 10, 2025 | Kathleen I. Layton | officer: Chief Legal Officer | −4,214 | $6.64 |
Peers
- OneMain
Largest nonprime personal-loan and auto-finance peer
- Enova International
Online underserved-credit lender with installment-loan overlap
- Regional Management
Branch and digital installment lender for non-prime borrowers
- World Acceptance
Small-loan branch lender serving limited-credit consumers
- OppFi
Bank-partner installment platform for underbanked consumers
- Upstart
AI lending marketplace spanning personal and auto credit
- Happen
Digital marketplace bank with consumer-loan overlap
- Credit Acceptance
Subprime auto-finance lender for credit-impaired borrowers
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Oportun Financial | $7.36 | −0.14% | $337.8M | 18.4 | 4.1 | 0.5 | +42.1% |
| OneMain | $63.02 | +0.29% | $7.26B | 9.5 | 8.0 | 1.1 | −15.5% |
| Enova International | $232.30 | −0.09% | $5.79B | 17.3 | 12.0 | 1.9 | +21.6% |
| Regional Management | $32.55 | +0.34% | $299.7M | 6.9 | 5.7 | 0.4 | +6.7% |
| World Acceptance | $188.35 | +0.07% | $877.8M | 22.3 | 15.2 | 1.5 | +5.1% |
| OppFi | $7.25 | +2.55% | $603.7M | 3.2 | 4.3 | 1.1 | +1.9% |
| Upstart | $29.20 | +0.40% | $2.78B | 56.9 | 16.5 | 2.4 | +41.8% |
| Happen | $18.24 | +1.93% | $2.06B | 10.8 | 9.2 | 1.6 | −20.7% |
| Credit Acceptance | $594.11 | −0.11% | $6.22B | 13.1 | 11.6 | 2.7 | +2.1% |
| Median | 11.9 | 10.4 | 1.5 | +3.6% |