NASDAQ$OPRT
Oportun Financial Corporation · Q1 2025 earnings
Q1 2025 earnings · · After market close · Investor relations
Briefing
Oportun reported a strong first quarter in 2025, achieving GAAP profitability for the second consecutive quarter, with significant increases in net income and EPS.
Oportun Financial Corporation reported a strong first quarter in 2025, achieving GAAP net income of $9.8 million, a $36 million increase year-over-year, and GAAP EPS of $0.21, up $0.89 year-over-year. Adjusted EPS increased to $0.40, and operating expenses were reduced by 15% year-over-year. The company reiterated its full-year 2025 credit performance and profit expectations.
- GAAP net income increased by $36 million year-over-year to $9.8 million, marking the second consecutive quarter of GAAP profitability.
- Adjusted EPS rose to $0.40, an increase of $0.31 year-over-year, and Adjusted Net Income was up $15 million year-over-year.
- Operating expenses decreased by 15% year-over-year to $93 million, reflecting strong cost discipline.
- Aggregate Originations increased by 39% to $469 million, and the 30+ Day Delinquency Rate decreased for the fifth consecutive quarter to 4.7%.
Headline financials
Revenue & EPS history
Oportun · Revenue · Quarterly
$236M
Revenue by segment
Oportun · $260M total across 2 segments · Q1 2023
- Interest Income$238M—91.6%
- Non-interest Income$21.9M—8.4%
Forward guidance
Oportun provided guidance for Q2 2025 and full year 2025, expecting continued profitability and strong credit performance, while prudently moderating loan originations growth.
Tailwinds
- Full year 2025 GAAP Net Income is expected to be profitable.
- Full year 2025 Adjusted EPS guidance of $1.10 to $1.30 per share implies growth of 53% to 81%.
- Full year 2025 Adjusted EBITDA is projected to be between $135 million and $145 million.
- Full year 2025 total revenue is expected to be between $945 million and $970 million.
- Full year 2025 Annualized Net Charge-Off Rate is expected to be 11.5% +/- 50 bps, indicating stable credit performance.
Headwinds
- Loan originations growth for full year 2025 is prudently moderated to approximately 10% from the previous 10% to 15% range.
- The company is unable to precisely forecast the fair value mark-to-market adjustments due to macroeconomic uncertainty and quarterly volatility.
- Q2 2025 total revenue is expected to be slightly lower than Q1 2025, ranging from $237 million to $242 million.
- Q2 2025 Adjusted EBITDA is projected to be between $29 million and $34 million, lower than the full year projection.
- The guidance assumes no change in the fair value mark-to-market adjustment, which could impact GAAP net income (loss).
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports · overlaid with Q1 2025
+3.1%
Avg return
Earnings day
+4.2%
Avg return
5 days after
+1.9%
Avg return
30 days after
68%
21 / 31 earnings
Positive
+37.6%
Q1 2023
Best reaction
-51.5%
Q3 2023
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | -0.1% | -7.8% | — | |
| Q4 2025 | -5.1% | -2.7% | -17.9% | |
| Q3 2025 | +1.6% | -7.6% | +3.9% | |
| Q1 2025 | +9.1% | +16.3% | +14.3% | |
| Q4 2024 | +8.3% | +47.2% | -6.6% | |
| Q3 2024 | -6.3% | -3.1% | +20.9% | |
| Q2 2024 | -2.4% | +7.3% | -1.4% | |
| Q1 2024 | +21.4% | +16.2% | -19.2% | |
| Q4 2023 | -2.1% | -17.7% | -37.5% | |
| Q3 2023 | -51.5% | -59.0% | -52.6% | |
| Q2 2023 | +27.4% | +24.4% | +39.5% | |
| Q1 2023 | +37.6% | +26.9% | +51.0% | |
| Q4 2022 | -36.6% | -15.7% | -7.4% | |
| Q3 2022 | +22.0% | +53.1% | +28.1% | |
| Q2 2022 | -24.1% | -24.1% | -50.6% | |
| Q1 2022 | +1.8% | -1.6% | +4.5% | |
| Q4 2021 | -0.5% | -10.2% | -20.0% | |
| Q3 2021 | +8.9% | +15.1% | -11.4% | |
| Q2 2021 | +15.1% | +14.9% | +18.7% | |
| Q1 2021 | +10.8% | +2.6% | +4.5% | |
| Q4 2020 | -1.1% | -3.8% | +27.3% | |
| Q3 2020 | +5.8% | +10.5% | +20.7% | |
| Q2 2020 | +5.3% | +0.4% | -11.5% | |
| Q1 2020 | +9.4% | +9.9% | +104.5% | |
| Q4 2017 | +9.5% | +9.3% | -41.7% | |
| Q4 2019 | +4.7% | +5.4% | -42.8% | |
| Q1 2019 | +4.4% | +3.8% | +8.0% | |
| Q4 2018 | +4.4% | +3.8% | +8.0% | |
| Q3 2018 | +4.4% | +3.8% | +8.0% | |
| Q2 2019 | +4.4% | +3.8% | +8.0% | |
| Q3 2019 | +8.5% | +7.7% | +6.3% | |
| Q2 2018 | — | — | — | |
| Q1 2018 | — | — | — | |
| Q3 2017 | — | — | — | |
| Q2 2017 | — | — | — | |
| Q1 2017 | — | — | — |
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