NASDAQ$OPRT
Oportun Financial Corporation · Q1 2026 earnings
Q1 2026 earnings · · Investor relations
Briefing
Oportun reported Q1 2026 total revenue of $228.8M with net income of $2.3M and diluted EPS of $0.05.
For the quarter ended March 31, 2026, Oportun reported total revenue of $228.8 million versus $235.9 million a year ago. Net income was $2.3 million compared with $9.8 million in Q1 2025. Diluted EPS was $0.05. Net revenue was $94.9 million after interest expense. The company continues to originate personal loans and manage securitization and whole-loan sale programs.
- Total revenue of $228.8M; net revenue $94.9M.
- Net income of $2.3M vs. $9.8M prior year.
- Diluted EPS of $0.05.
- Credit performance and interest expense influenced bottom line.
- Whole-loan sales and servicing contributed to revenue mix.
Headline financials
Revenue & EPS history
Oportun · Revenue · Quarterly
$229M
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
MD&A discusses credit trends, funding, and regulatory environment without restating numeric EPS or revenue guidance in the quarterly filing.
Tailwinds
- Remained profitable despite lower revenue.
- Diversified funding and loan sale channels.
Headwinds
- Net income down sharply YoY on revenue and credit costs.
- Macro and rate environment pressure consumer lending.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q1 2026
+3.1%
Avg return
Earnings day
+4.2%
Avg return
5 days after
+1.2%
Avg return
30 days after
71%
22 / 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 | +0.3% | -7.5% | -17.1% | |
| 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% | |
| Q2 2019 | +4.4% | +3.8% | +8.0% | |
| Q4 2018 | +4.4% | +3.8% | +8.0% | |
| Q3 2018 | +4.4% | +3.8% | +8.0% | |
| Q1 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 | — | — | — |
Discussion
Share your read of this quarter. Sign-in carries your eToro identity.
Join the conversation
Sign in with eToro to post your read of this quarter and vote on others'.
Sign in with eToro