Oportun Financial Corp
For the period ended Dec 31, 2025. Filed Feb 27, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 27, 2026
OPRT$11.65+0.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Exhibit Index
| Incorporated by Reference | ||||||
|---|---|---|---|---|---|---|
| Exhibit | Description | Form | File No. | Exhibit | Filing Date | Filed Herewith |
| 3.1 | Amended and Restated Certificate of Incorporation of Oportun Financial Corporation. | 8-K | 001-39050 | 3.1 | 9/30/2019 | |
| 3.2 | Certificate of Amendment to the Amended and Restated Certificate of Incorporation of Oportun Financial Corporation | 8-K | 001-39050 | 3.1 | 7/18/2025 | |
| 3.3 | Certificate of Amendment to the Amended and Restated Certificate of Incorporation of Oportun Financial Corporation | 8-K | 001-39050 | 3.2 | 7/18/2025 | |
| 3.4 | Amended and Restated Bylaws of Oportun Financial Corporation. | 8-K | 001-39050 | 3.1 | 10/11/2023 | |
| 4.1 | Form of Common Stock Certificate. | S-1/A | 333-232685 | 4.1 | 9/16/2019 | |
| 4.2 | Description of the Company's Capital Stock. | 10-K | 001-39050 | 4.4 | 3/15/2024 | |
| 4.3 | Form of Warrant | 8-K | 001-39050 | 4.1 | 3/13/2023 | |
| 4.4 | Form of Warrant | 8-K | 001-39050 | 4.1 | 11/15/2024 | |
| 4.5 | Registration Rights Agreement, dated as of March 10, 2023, by and among Oportun Financial Corporation, Wilmington Trust, National Association, and the Lenders party thereto. | 8-K | 001-39050 | 4.2 | 3/13/2023 | |
| 4.6 | Registration Rights Agreement, dated as of November 14, 2024, by and among Oportun Financial Corporation and the affiliates of Castlelake and Neuberger party thereto | 8-K | 001-39050 | 4.2 | 11/15/2024 | |
| 10.1+ | Form of Indemnity Agreement between the Company and its directors and officers. | S-1 | 333-232685 | 10.1 | 7/17/2019 | |
| 10.2+ | 2015 Stock Option/Stock Issuance Plan and Forms of Stock Option Grant Notice, Option Agreement, Notice of Exercise, Restricted Stock Unit Award Grant Notice and Restricted Stock Unit Award Agreement. | S-1 | 333-232685 | 10.3 | 7/17/2019 | |
| 10.3+ | 2019 Equity Incentive Plan and Forms of Award Notices and Agreements. | 10-K | 001-39050 | 10.4 | 2/23/2021 | |
| 10.4+ | Form of Performance-Based Restricted Stock Unit Award Agreement. | 8-K | 001-39050 | 10.1 | 12/12/2023 | |
| 10.5+ | Form of Performance-Based Restricted Stock Unit Award Agreement. | 10-Q | 001-39050 | 10.3 | 8/7/2025 | |
| 10.6+ | 2019 Employee Stock Purchase Plan. | S-1/A | 333-232685 | 10.5 | 9/16/2019 | |
| 10.7+ | Amended and Restated 2021 Inducement Equity Incentive Plan and Form of Award Notice and Agreement. | S-8 | 333-261964 | 10.1 | 6/15/2023 | |
| 10.8+ | Form of Executive Offer Letter by and between the Registrant and certain of its officers. | S-1 | 333-232685 | 10.6 | 7/17/2019 | |
| 10.9+ | Executive Severance and Change in Control Policy | S-1 | 333-232685 | 10.7 | 7/17/2019 | |
| 10.10+ | Transition Agreement dated January 21, 2026. | 8-K | 001-39050 | 10.1 | 01/21/2026 | |
| 10.11^** | Amended and Restated Program Agreement, by and between Oportun, Inc. and Pathward, National Association, dated as of August 11, 2025. | 10-Q | 001-39050 | 10.2 | 11/5/2025 | |
| 10.12^ | First Amendment to the Amended and Restated Program Agreement, by and between Oportun, Inc. and Pathward, National Association, dated as of September 26, 2025. | 10-Q | 001-39050 | 10.3 | 11/5/2025 | |
| 10.13** | Letter Agreement, dated July 14, 2025, between Oportun Financial Corporation, Findell Capital Management LLC and certain other persons. | 8-K | 001-39050 | 10.1 | 07/14/2025 | |
| 19.1 | Insider Trading Policy | 10-K | 001-39050 | 19.1 | 2/20/2025 | |
| 21.1 | List of Subsidiaries of Oportun Financial Corporation | x | ||||
| 23.1 | Consent of Independent Registered Public Accounting Firm | x | ||||
| 24.1 | Power of Attorney (incorporated by reference to the signature page to this Annual Report on Form 10-K) | x | ||||
| 31.1 | Rule 13a-14(a)/15d-14(a) Certifications of the Chief Executive Officer and Director of Oportun Financial Corporation | x | ||||
| 31.2 · Rule 13a-14(a)/15d-14(a) Certifications of the Principal Financial Officer, Principal Accounting Officer and SVP, Finance - Controller of Oportun Financial Corporation · x | |||||
|---|---|---|---|---|---|
| 32.1* · Section 1350 Certifications · x | |||||
| 97.1 | Compensation Recovery Policy | 10-K | 001-39050 | 97.1 | 3/15/2024 |
| 101 | Interactive data files pursuant to Rule 405 of Regulation S-T: | ||||
| (i) Consolidated Balance Sheets, | |||||
| (ii) Consolidated Statements of Operations, | |||||
| (iii) Consolidated Statements of Changes in Stockholders' Equity, | |||||
| (iv) Consolidated Statements of Cash Flows, and | |||||
| (v) Notes to the Consolidated Financial Statements | |||||
| 104 | Cover Page Interactive Data File in Inline XBRL format (included in Exhibit 101). | ||||
- The certifications attached as Exhibit 32.1 that accompany this Annual Report on Form 10-K are not deemed filed with the Securities and Exchange Commission and are not to be incorporated by reference into any filing of the Registrant under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, whether made before or after the date of this Annual Report on Form 10-K, irrespective of any general incorporation language contained in such filing.
- Management contract or compensatory plan.
^ Certain portions of this exhibit have been omitted pursuant to Item 601(b)(10) of Regulation S-K by means of marking such portions with asterisks because the Registrant has determined that the information is not material and would likely cause competitive harm to the Registrant if publicly disclosed.
** Certain portions of this exhibit have been omitted pursuant to Item 601(a)(5) of Regulation S-K. The registrant agrees to furnish supplementally to the SEC a copy of any omitted schedule or exhibit upon request by the SEC.
The instance document does not appear in the interactive data file because its XBRL tags are embedded within the Inline XBRL document.
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