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Portfolio Yield
Measures the interest and fee income earned on Oportun’s loan book as a percentage of outstanding balances. Higher yield means more revenue per dollar lent and reflects pricing power, borrower risk mix, and product mix; sustained declines can compress margins or signal competitive or funding pressure.Portfolio yield ticked higher through 2024—helping cushion margins amid credit stress—but largely flattened across 2025, signaling that upside from borrower repricing is limited in the near term. Management’s call confirms further margin expansion will come more from lower funding costs, expense control and improved loan mix (more secured loans) than from big yield gains, and elevated charge‑offs/delinquencies remain the key risk to sustainable net interest income in the near term.
Date | Portfolio Yield |
|---|---|
Jun 30, 2026 | 33.30 |
Mar 31, 2026 | 32.10 |
Dec 31, 2025 | 33.30 |
Sep 30, 2025 | 33.00 |
Jun 30, 2025 | 32.80 |
Mar 31, 2025 | 33.00 |
Dec 31, 2024 | 34.20 |
Sep 30, 2024 | 33.20 |
Jun 30, 2024 | 33.90 |
Mar 31, 2024 | 32.50 |