Oportun Financial Corp
For the period ended Jun 30, 2026. Filed Aug 6, 2026.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Jun 30, 2026 · Filed Aug 6, 2026
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Key Financial and Operating Metrics
We monitor and evaluate the following key metrics in order to measure our current performance, develop and refine our growth strategies, and make strategic decisions.
The following table and related discussion set forth key financial and operating metrics for our operations as of and for the three months ended June 30, 2026 and 2025.
| As of or for the Three Months Ended June 30, | As of or for the Six MonthsEnded June 30, | |||
|---|---|---|---|---|
| (in thousands of dollars) | 2026 | 2025 | 2026 | 2025 |
| Key Financial and Operating Metrics | ||||
| Aggregate Originations | $487,747 | $480,761 | $904,660 | $950,156 |
| Portfolio Yield | 33.3% | 32.8% | 32.7% | 32.9% |
| 30+ Day Delinquency Rate | 4.0% | 4.4% | 4.0% | 4.4% |
| Annualized Net Charge-Off Rate | 12.0% | 11.9% | 12.3% | 12.0% |
| Other Metrics | ||||
| Managed Principal Balance at End of Period | $2,777,701 | $2,939,765 | $2,777,701 | $2,939,765 |
| Owned Principal Balance at End of Period | $2,613,384 | $2,636,407 | $2,613,384 | $2,636,407 |
| Average Daily Principal Balance | $2,642,958 | $2,666,793 | $2,682,049 | $2,685,899 |
See “Glossary” at the end of Part II of this report for formulas and definitions of our key performance metrics.
Aggregate Originations
Aggregate Originations increased to $487.7 million for the three months ended June 30, 2026 from $480.8 million for the three months ended June 30, 2025, representing an 1.5% increase.
Aggregate Originations decreased to $904.7 million for the six months ended June 30, 2026 from $950.2 million for the six months ended June 30, 2025, representing an 4.8% decrease. Thedecrease is primarily driven by lower originations from new customers as a result of credit tightening in response to macro-economic and geopolitical factors.
Portfolio Yield
Portfolio yield increased to 33.3% for the three months ended June 30, 2026, from 32.8% for the three months ended June 30, 2025, and decreased to 32.7% for thesix months ended June 30, 2026, from 32.9% for thesix months ended June 30, 2025.
30+ Day Delinquency Rate
Our 30+ Day Delinquency Rate improved to 4.0% from 4.4% as of June 30, 2026 and 2025, respectively
Annualized Net Charge-Off Rate
Annualized Net Charge-Off Rate for the three months ended June 30, 2026 and 2025 was 12.0% and 11.9%, respectively, up 12 basis points. Higher costs for food, fuel, and rent along with macro-economic and geopolitical uncertainty have continued to put pressure on our members through June 30, 2026. The increase was also primarily attributable to a higher proportion of loans originated to new members during the first half of 2025.
Annualized Net Charge-Off Rate for the six months ended June 30, 2026 and 2025 was 12.3% and 12.0%, respectively, up 30 basis points. The increase was also primarily attributable to a higher proportion of loans originated to new members during the first half of 2025.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.