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Oportun Financial eyes stronger 2026 as credit quality, profits improve. September 28, 2026 Key points. * Oportun reported stronger second-quarter results, with revenue of $233 million, adjusted EBITDA of $49 million and adjusted EPS of $0.42, all ahead of or above year-ago levels. The company has delivered seven consecutive quarters of GAAP profitability. * Credit performance and balance-sheet health improved: the annualized net charge-off rate fell to 12%, borrowing costs declined to 6.3%, leverage dropped to 6.5 times, and unrestricted cash rose to $140 million. * Oportun raised its adjusted EBITDA outlook by $10 million to $168 million and expects 2026 to strengthen in the second half, while maintaining tight underwriting and expanding risk-based pricing to support durable, risk-adjusted growth. * MarketBeat previews the top five stocks to own by October 1st. Oportun Financial NASDAQ: OPRT said it has built a more resilient earnings platform through sustained profitability, improving credit performance, lower funding costs and stronger liquidity, while shifting its focus toward durable risk-adjusted growth. Speaking at the Sidoti September Small-Cap Virtual Conference, Senior Vice President of Investor Relations Dorian Hare said the consumer lender has posted seven consecutive quarters of GAAP profitability and expects a stronger second half of 2026 than the first half, based on guidance issued Aug. 5. Oportun provides unsecured personal loans, auto-secured personal loans and its Set & Save savings product to thin-file and no-file, low- to moderate-income consumers. Since its founding in 2005, the company said it has originated approximately 8 million loans, extended about $23 billion in credit and helped 1.3 million members build credit histories. Leadership changes and product strategy. Hare highlighted several additions to Oportun's executive team. Doug Bland became chief executive officer in April after previously serving as a senior executive at PayPal, where he oversaw consumer businesses including Global Credit and Venmo. The company hired Sean Rowles, also formerly of PayPal, as chief risk officer in June. Bill Franklin joined as chief financial officer in September after serving as senior vice president and CFO of Consumer Banking at Discover Financial Services. Oportun also appointed Bernardo Martinez, most recently at SoFi, as chief retail and sales officer, and Garrett Hope, most recently at PayPal, as chief product officer. The company's unsecured personal-loan business remains its largest and most profitable segment. For loans originated during the second quarter, Oportun reported an average unsecured loan size of approximately $3,400, an average term of 27 months and a weighted average annual percentage rate of 35.7%. Auto-secured personal-loan originations increased 15% year over year in the second quarter and represented 9% of Oportun's portfolio, compared with 7% a year earlier. The average secured loan was about $6,600, with a 35-month average term and a weighted average APR of 33.4%. Hare said secured loans have generated substantially lower average losses than unsecured loans and are expected to produce about twice as much revenue per loan. Credit discipline and risk-based pricing. Oportun launched risk-based pricing in July, allowing it to more precisely differentiate loan terms by risk tier. Hare said the initiative is intended not only to price higher-risk loans appropriately, but also to retain lower-risk returning members by offering more competitive pricing where appropriate. Discover more Stock Market News The company began pricing certain loans above 36% in July, according to Hare. It also signed Column as a new bank partner in July and continues to work with Pathward. Hare said Oportun tightened underwriting after learning that rapid new-member growth through online affiliate channels contributed to weaker loan vintages during the 2022-2023 period. The company exited those channels and has maintained a tighter credit posture. The first-six-month bad rate has been about 6% over the past five quarters, compared with roughly 15% for the challenged vintages, he said. Oportun's annualized net charge-off rate improved 65 basis points sequentially to 12% in the second quarter, ahead of its guidance range of 12.2% plus or minus 13 basis points. The company's third-quarter guidance midpoint calls for an 11% annualized net charge-off rate, which would represent another sequential improvement and its lowest level in four years. Second-Quarter results and balance sheet progress. Second-quarter revenue totaled $233 million, exceeding Oportun's guidance range of $227 million to $232 million. Adjusted EBITDA was $49 million, above guidance of $34 million to $39 million and up 56% from a year earlier. GAAP earnings per share were $0.17, up 21% year over year, while adjusted EPS was $0.42, up 35%. The company generated adjusted return on equity of 20.5% in the second quarter, within its 20% to 28% target range and 463 basis points above the prior-year period. * Cost of debt declined to 6.3% from 8.6% a year earlier. * The adjusted operating-expense ratio improved to 12.8% of owned principal balance from 13.3%. * Debt-to-equity leverage declined to 6.5 times from 7.3 times a year earlier and from a peak of 8.7 times in the third quarter of 2024. * Second-quarter interest expense fell 30% year over year to $42 million. * Unrestricted cash increased by $43 million from the prior-year quarter to $140 million. During the second quarter, Oportun repaid $30 million of high-cost corporate debt, reducing the remaining principal balance to $135 million. Since the facility began in October 2024, corporate debt repayments have totaled $100 million, generating $15 million in annualized run-rate interest savings, Hare said. Outlook. On Aug. 5, Oportun lowered its full-year annualized net charge-off rate midpoint outlook by 20 basis points to 11.7%. It raised its adjusted EBITDA midpoint by $10 million to $168 million, representing expected growth of 13%, and reiterated adjusted EPS guidance of $1.50 to $1.65, representing expected growth of 16%. The company expects full-year 2026 revenue to be substantially flat from 2025 as it maintains a tight credit posture amid macroeconomic uncertainty affecting its customer base. Hare said Oportun expects to approach six times leverage by year-end and to improve upon its first-half adjusted ROE of 15.66%, exceeding its 17.5% adjusted ROE reported for full-year 2025. About Oportun Financial (NASDAQ:OPRT). Oportun Financial Corporation is a financial technology company that provides credit and other financial services to consumers who may have limited access to traditional banking products. The company focuses on using technology and data-driven underwriting to offer more accessible and affordable financial solutions. Oportun's products have included unsecured personal loans, credit cards and savings services. Its personal loans are designed to provide borrowers with installment financing for needs such as debt consolidation, home expenses and unexpected costs. This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected]. Before you consider Oportun Financial, you'll want to hear this. 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Oportun appoints Bernardo Martinez as Chief Retail and Sales Officer and Garrett Hope as Chief Product Officer. Experienced consumer financial services and product leaders will deepen member relationships and advance Oportun's mission of expanding access to responsible financial services. SAN MATEO, Calif., Sept. 21, 2026 (GLOBE NEWSWIRE) - Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that Bernardo Martinez has joined the Company as Chief Retail and Sales Officer and Garrett Hope has joined as Chief Product Officer. Martinez will lead the functions that shape Oportun's member experience across its digital, retail and contact center channels. Hope will lead product strategy and development, helping the Company deliver products and experiences that support members throughout their financial journey. Both executives will report to Doug Bland, Chief Executive Officer of Oportun. "Bernardo and Garrett are accomplished leaders who understand how to build member-centered businesses and products at scale," said Bland. "Their appointments round out the organizational changes we have made to position Oportun for its next phase of execution. Bernardo brings a deep understanding of the financial needs of consumers, while Garrett has led consumer product development across some of the world's most recognized digital platforms. Together, they will help us deepen member relationships, sharpen our product focus, and deliver responsible financial products and experiences that support our members' progress." Martinez brings more than 25 years of experience across consumer and small business financial services, lending, channel management and product development. Martinez was most recently at SoFi, where he led strategy, product development, and operations across the insurance, employee financial wellness platform, small business financial services, and consumer marketplace businesses. Prior to SoFi, Martinez led strategy, product development and operations for PayPal's microbusiness and global merchant lending businesses. Martinez has also held leadership roles at Funding Circle, Banco del Progreso, and Bank of America. "Oportun's mission and its bilingual, omnichannel approach represent a unique opportunity to expand access to responsible financial services in the communities we serve," said Martinez. "I am excited to join Doug and the team and to help make every interaction with Oportun responsive to the financial needs of our members." Hope brings 20 years of experience building consumer technology and marketplace products. Hope was most recently at PayPal, where he led end-to-end product development for consumer products and platforms, including the PayPal and Venmo apps. Prior to PayPal, Hope served in product leadership roles at Google and Expedia Group/Vrbo. "Oportun has a meaningful opportunity to innovate its product set towards helping its members advance their financial goals," said Hope. "I look forward to working with Doug and the leadership team to build simple and effective experiences that meet members where they are and enable informed financial decisions." About Oportun Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members' financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $22.7 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members set aside an average of more than $1,800 annually. For more information, visit oportun.com. Forward-Looking Statements This press release contains forward-looking statements. These forward-looking statements are subject to the safe harbor provisions under the Private Securities Litigation Reform Act of 1995, Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. All statements other than statements of historical fact contained in this press release, including statements regarding Oportun's leadership team, strategy, member experience, product development, growth, execution, and future performance, are forward-looking statements. These statements involve known and unknown risks, uncertainties, assumptions, and other factors that could cause actual results to differ materially from those expressed or implied by the forward-looking statements. These risks and uncertainties include those risks described in Oportun's filings with the Securities and Exchange. These forward-looking statements speak only as of the date on which they are made and, except to the extent required by federal securities laws, Oportun disclaims any obligation to update any forward-looking statement to reflect events or circumstances after the date on which the statement is made or to reflect the occurrence of unanticipated events. Investor Contact Dorian Hare (650) 590-4323 [email protected] Media Contact Michael Azzano Cosmo PR for Oportun [email protected] (415) 596-1978