Oportun Financial Corp

For the period ended Sep 30, 2026. Filed Nov 4, 2026.

About this filing

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.

Sep 30, 2026 · Filed Nov 4, 2026

OPRT$11.65+0.3%Stored close · as of Nov 10, 2026

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Contents

Condensed Consolidated Statements of Operations

Condensed Consolidated Statements of Operations (Unaudited)

(in thousands, except share and per share data)

	Three Months Ended September 30,		Nine Months Ended September 30,
	2026	2025	2026	2025
Revenue
Interest income	$231,436	$222,340	$666,375	$660,842
Non-interest income	14,841	16,348	41,894	48,096
Total revenue	246,277	238,688	708,269	708,938
Less:
Interest expense	41,130	56,620	131,042	173,561
Net decrease in fair value	(78,582)	(77,018)	(250,139)	(219,947)
Net revenue	126,565	105,050	327,088	315,430
Operating expenses:
Technology and facilities	32,150	35,380	98,583	108,466
Sales and marketing	21,127	16,502	54,669	54,461
Personnel	26,108	19,015	76,146	60,227
Outsourcing and professional fees	10,415	9,405	28,769	27,118
General, administrative and other	2,181	10,504	15,156	27,647
Total operating expenses	91,981	90,806	273,323	277,919
Income before taxes	34,584	14,244	53,765	37,511
Income tax expense	11,653	9,046	19,953	15,669
Net income	$22,931	$5,198	$33,812	$21,842
Net income attributable to common stockholders	$22,931	$5,198	$33,812	$21,842
Share data:
Earnings per share:
Basic	$0.47	$0.11	$0.70	$0.47
Diluted	$0.45	$0.11	$0.68	$0.46
Weighted average common shares outstanding:
Basic	48,589,563	46,711,134	48,152,671	46,264,236
Diluted	50,984,296	48,310,110	49,630,590	47,751,476

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.