NASDAQ$OPRT
Oportun Financial Corporation · Q2 2025 earnings
Q2 2025 earnings · · After market close · Investor relations
Briefing
Oportun Financial Corporation reported net income of $6.9 million for the second quarter ended June 30, 2025.
Oportun reported total revenue of $234.3 million for Q2 2025, down 6.4% year-over-year, driven by lower interest income. The company achieved net income of $6.9 million compared to a net loss in the prior year, supported by improved fair value adjustments and lower operating expenses. Key credit metrics showed improvement with a 30+ day delinquency rate of 4.4% and annualized net charge-off rate of 11.9%.
- Net income turned positive to $6.9 million from a $31.0 million loss in Q2 2024, aided by a $65.9 million improvement in net fair value adjustments.
- Aggregate originations grew 10.6% to $480.8 million while portfolio yield declined to 32.8%.
- 30+ day delinquency rate improved to 4.4% and annualized net charge-off rate improved to 11.9%.
- Total operating expenses declined 13.5% to $94.4 million, reflecting cost discipline.
Headline financials
Revenue & EPS history
Oportun · Revenue · Quarterly
$234M
Revenue by segment
Oportun · $234M total across 2 segments · Q2 2025
- Interest income$218M—93.1%
- Non-interest income$16.1M—6.9%
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 19 quarterly earnings reports
+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 |
|---|---|---|---|---|
| Q2 2025 | — | — | — | |
| 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 | — | — | — |
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