Oportun Financial Corp
investor.oportun.comWhat Do They Do?
Offers personal loans and automated savings tools to consumers who are not well served by mainstream financial institutions.
10-K for FY2025, filed Feb 27, 2026Our members are among the millions of hardworking Americans who are not well served by mainstream financial products. We take a holistic…View ↗
Credit Products—Since our founding in 2005, we have extended more than $21.8 billion in responsible credit through more than 8.0 million…View ↗
Savings Product—Since 2015, our Set & Save™ product has allowed our members to set aside more than $12.5 billion for rainy days and other…View ↗
How Do They Make Money?
Earns interest and fees as borrowers repay personal loans through fixed payments; it also earns subscription revenue over each month, servicing fees on sold loans, and gains when it sells loans.
10-K for FY2025, filed Feb 27, 2026Personal Loans - Our personal loan is a simple-to-understand, affordable, unsecured, fully amortizing installment loan with fixed payments…View ↗
Year Ended December 31, (in thousands) 2025 2024 Interest income Interest on loans $ 881,844 $ 910,385 Fees on loans 11,378 15,083 Total…View ↗
Subscription Revenue - The Company earns revenue on a subscription basis from users of its platform. Revenue is recognized ratably over…View ↗
Servicing Fees ‑ The Company retains servicing rights on sold loans. Servicing fees comprise the contractual annual servicing fee based…View ↗
Gain on Loan Sales ‑ The Company recognizes a gain on sale from the difference between the proceeds received from the purchaser and the…View ↗
$956.7M
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10-K for FY2025, filed Feb 27, 2026
$956.7M ↗
Who Are Their Customers?
Members access products through the mobile app and website, by phone or at retail locations; partner locations also connect potential borrowers with Oportun.
10-K for FY2025, filed Feb 27, 2026Consumers can become members and access our products through the Oportun Mobile App, the Oportun.com website, our telesales team, and…View ↗
We offer access to a suite of financial products, offered either directly or through partners, including unsecured and secured lending and…View ↗
We leverage our proprietary credit scoring and underwriting model to partner with other consumer brands and expand our member base. For…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 3 cents of every revenue dollar as net income in FY2025.
10-K for FY2025, filed Feb 27, 2026
10-K for FY2025, filed Feb 27, 2026
$25.2MView ↗
How Are They Changing?
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Sep 5, 2026
Appointed William Franklin as chief financial officer
William Franklin was appointed chief financial officer and principal financial officer.
Sources
8-K, filed Sep 11, 2026
On September 5, 2026, the Board of Directors (the “Board”) of Oportun Financial Corporation (the “Company”) appointed William Franklin as…View ↗
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Aug 5, 2026
Raised full-year Adjusted EBITDA guidance
Oportun raised its full-year Adjusted EBITDA range by 6% and improved its annualized net charge-off range expectation by 20 basis points.
Sources
8-K, filed Aug 5, 2026
“We have turned the page in Oportun's story and begun writing the next chapter: one focused on accelerating our execution of the mission…View ↗
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Jul 7, 2026
Started a personal-loan program with Column
Column will originate certain unsecured personal loans in select states; Oportun will provide platform services and may purchase loans Column originates.
Sources
8-K, filed Jul 7, 2026
On June 30, 2026, (the “Effective Date”) Oportun Financial Corporation (the “Company”) through its subsidiary, Oportun, Inc., (“Oportun”)…View ↗
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Apr 17, 2026
Appointed Doug Bland as chief executive officer
Doug Bland became CEO and principal executive officer, replacing the joint Office of the CEO.
Sources
8-K, filed Apr 17, 2026
On April 15, 2026, the board of directors (the “Board”) of Oportun Financial Corporation (the “Company”) appointed Doug Bland as Chief…View ↗
Growing. Revenue grew 53% in 4 years, from $626.8M in FY2021 to $956.7M in FY2025, about 11% a year.
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