Oportun Financial Corp
For the period ended Sep 30, 2026. Filed Nov 4, 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.
Sep 30, 2026 · Filed Nov 4, 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 thethree and nine months ended September 30, 2026 and 2025.
| As of or for the Three Months Ended September 30, | As of or for the Nine MonthsEnded September 30, | |||
|---|---|---|---|---|
| (in thousands of dollars) | 2026 | 2025 | 2026 | 2025 |
| Key Financial and Operating Metrics | ||||
| Aggregate Originations | $571,834 | $511,775 | $1,476,494 | $1,461,931 |
| Portfolio Yield | 34.4% | 33.0% | 33.3% | 33.0% |
| 30+ Day Delinquency Rate | 4.1% | 4.7% | 4.1% | 4.7% |
| Annualized Net Charge-Off Rate | 10.6% | 11.8% | 11.7% | 12.0% |
| Other Metrics | ||||
| Managed Principal Balance at End of Period | $2,847,526 | $2,941,762 | $2,847,526 | $2,941,762 |
| Owned Principal Balance at End of Period | $2,677,338 | $2,632,732 | $2,677,338 | $2,632,732 |
| Average Daily Principal Balance | $2,668,964 | $2,669,454 | $2,677,639 | $2,680,357 |
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 $571.8 million for the three months ended September 30, 2026 from $511.8 million for the three months ended September 30, 2025, representing an 11.7% increase driven by an increase in both returning members and secured loans.
Aggregate Originations increased to $1,476.5 million for the nine months ended September 30, 2026 from $1,461.9 million for the nine months ended September 30, 2025, representing a 1.0% increase, driven by an increase in both returning members and secured loans.
Portfolio Yield
Portfolio yield increased to 34.4% for the three months ended September 30, 2026, from 33.0% for the three months ended September 30, 2025 and increased to 33.3% for thenine months ended September 30, 2026, from 33.0% for thenine months ended September 30, 2025. The increase in both periods was driven by an increase in origination fees from higher origination volume.
30+ Day Delinquency Rate
Our 30+ Day Delinquency Rate improved to 4.1% from 4.7% as of September 30, 2026 and 2025, respectively.
Annualized Net Charge-Off Rate
Annualized Net Charge-Off Rate decreased 121 basis points to 10.6% from 11.8%for the three months ended September 30, 2026 and 2025, respectively, anddecreased 21 basis points to 11.7% from 12.0%for the nine months ended September 30, 2026 and 2025, respectively. Thedecreases in both periods were primarily attributable to continued diligence in underwriting, particularly among new members, the development and release of improved risk models, and continuous improvement of our collections strategies and operations. Strong originations from returning members, and high quality in-store and telephony channels, also contributed to improved credit loss performance.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.