Education
About Us
Working with TipRanks
Follow Us
Oportun Financial Corp (OPRT)
NASDAQ:OPRT
Earnings Data
Report Date
Aug 07, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.23Last Year’s EPS
0.08Same Quarter Last Year
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Date:May 08, 2025
|% Change Since: 5.20%
|Next Earnings Date:Aug 07, 2025
Earnings Call Sentiment|Positive
The earnings call reflected a strong performance in terms of profitability, credit performance, and disciplined expenses, despite a decline in total revenue and a cautious approach to origination growth due to macroeconomic uncertainties.Company Guidance
During the Oportun Financial First Quarter 2025 Earnings Conference Call, the company provided guidance with several key metrics. They reported a GAAP net income of $9.8 million, marking a $36 million year-over-year improvement and driving a return on equity (ROE) of 11%. Additionally, adjusted net income was $19 million, up by $15 million from the previous year. The company achieved $34 million in adjusted EBITDA, a $32 million increase year-over-year. Oportun's annualized net charge-off rate was reported at 12.2%, at the low end of their guidance range, with a 30-plus day delinquency rate of 4.7%. Originations in the first quarter were $469 million, a 39% increase year-over-year, though they adjusted their full-year 2025 originations growth outlook to approximately 10%. Operating expenses were reduced by 15% year-over-year to $93 million. For the full year 2025, Oportun reiterated guidance for total revenue between $945 million to $970 million, with an adjusted EPS expectation of $1.10 to $1.30, reflecting growth of 53% to 81% compared to 2024's adjusted EPS of $0.72.GAAP Profitability Achieved
Oportun was GAAP profitable for the second consecutive quarter with a net income of $9.8 million, a $36 million improvement year-over-year, driving an ROE of 11%.
Strong Credit Performance
Annualized net charge-off rate was 12.2%, at the low end of guidance, with dollar net charge-offs down year-over-year for the sixth consecutive quarter. 30-plus day delinquency rate improved to 4.7%, marking a decline of 56 basis points year-over-year.
Robust Origination Growth
Originations were $469 million during Q1, up 39% year-over-year, driven by secured personal loans which accounted for 19% of personal loan growth.
Expense Discipline and Reduction
Operating expenses were reduced by 15% year-over-year to $93 million, while marketing expenditures were increased by 24% to drive origination growth.
Improved Adjusted EBITDA
Adjusted EBITDA was $34 million, a significant increase of $32 million year-over-year, driven by cost reductions and credit performance improvement.
OPRT Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
OPRT Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 08, 2025 | $6.15 | $6.71 | +9.11% |
Feb 12, 2025 | $5.91 | $6.40 | +8.29% |
Nov 12, 2024 | $3.11 | $3.00 | -3.54% |
Aug 08, 2024 | $2.90 | $3.08 | +6.21% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Oportun Financial Corp (OPRT) report earnings?
Oportun Financial Corp (OPRT) is schdueled to report earning on Aug 07, 2025, TBA Not Confirmed.
What is Oportun Financial Corp (OPRT) earnings time?
Oportun Financial Corp (OPRT) earnings time is at Aug 07, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is OPRT EPS forecast?
OPRT EPS forecast for the fiscal quarter 2025 (Q2) is 0.23.