{"id":905443,"date":"2025-11-04T17:34:38","date_gmt":"2025-11-04T22:34:38","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/oportun-delivers-fourth-consecutive-quarter-of-gaap-profitability-increases-full-year-2025-adjusted-eps-guidance\/"},"modified":"2025-11-04T17:34:38","modified_gmt":"2025-11-04T22:34:38","slug":"oportun-delivers-fourth-consecutive-quarter-of-gaap-profitability-increases-full-year-2025-adjusted-eps-guidance","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/oportun-delivers-fourth-consecutive-quarter-of-gaap-profitability-increases-full-year-2025-adjusted-eps-guidance\/","title":{"rendered":"Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance"},"content":{"rendered":"
\n

\n
\n Meets or exceeds all third quarter guidance metrics<\/em>
\n <\/strong>\n <\/p>\n

\n
\n GAAP Net income of <\/em>
\n $5.2 million<\/em>
\n reflects <\/em>
\n $35 million<\/em>
\n year-over-year improvement<\/em>
\n <\/strong>\n <\/p>\n

\n
\n GAAP EPS of <\/em>
\n $0.11<\/em>
\n , up <\/em>
\n $0.86<\/em>
\n versus prior-year period<\/em>
\n <\/strong>\n <\/p>\n

\n
\n Adjusted EPS of <\/em>
\n $0.39<\/em>
\n , up sharply versus <\/em>
\n $0.02<\/em>
\n in 3Q24<\/em>
\n <\/strong>\n <\/p>\n

\n
\n Operating expenses reduced <\/em>
\n 11%<\/em>
\n year-over-year, supporting continued margin expansion<\/em>
\n <\/strong>\n <\/p>\n\n\n
\u00a0<\/td>\n<\/tr>\n<\/table>\n

SAN CARLOS, Calif., Nov. 04, 2025 (GLOBE NEWSWIRE) — Oportun Financial Corporation (Nasdaq: OPRT) (\u201cOportun\u201d, or the “Company”) today reported financial results for the third quarter ended September 30, 2025.<\/p>\n

\u201cOur third quarter results were strong, marking our fourth consecutive quarter of GAAP profitability as we delivered a $35 million year-over-year increase in net income,\u201d said Raul Vazquez, CEO of Oportun. \u201cWe continued to make progress toward our long-term ROE target range of 20% to 28%, delivering meaningful gains in both Return on Equity and Adjusted ROE. We also grew Adjusted EBITDA 31% year-over-year to $41 million, exceeding the high end of our guidance range.\u201d<\/p>\n

Vazquez continued, \u201cWe took meaningful steps during and after the quarter to further strengthen our capital structure. We executed ABS financings at weighted average yields below 6% in August and October, and also proactively repaid higher-cost corporate debt. Additionally, in October, we expanded our warehouse financing capacity by adding a new facility and modifying an existing one\u2014thereby extending our average maturity and reducing our average cost of capital.\u201d<\/p>\n

\u201cWhile we now expect our full-year annualized net charge-off rate to be 20 basis points higher at the midpoint of our guidance than previously anticipated, we acted decisively during the quarter to tighten credit further and are reducing our full-year operating expense outlook by an additional $10 million. Inclusive of these revised assumptions, our lower cost of capital and our Q3 outperformance, we are increasing the midpoint of our full-year Adjusted EPS guidance range by 4%. Our revised range of $1.30 to $1.40 per share reflects our expectation for strong year-over-year growth of 81% to 94%.\u201d<\/p>\n

\n
\n Third Quarter 2025 Results<\/u>
\n <\/strong>\n <\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\n Metric<\/strong>\n <\/td>\n\n GAAP<\/strong>\n <\/td>\n\u00a0<\/td>\n\n Adjusted<\/strong>
\n
\n 1<\/strong>
\n <\/sup>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n\n 3Q25<\/strong>\n <\/td>\n\n 3Q24<\/strong>\n <\/td>\n\u00a0<\/td>\n\n 3Q25<\/strong>\n <\/td>\n\n 3Q24<\/strong>\n <\/td>\n<\/tr>\n
Total revenue2<\/sup><\/td>\n$239<\/td>\n$250<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
Net income (loss)<\/td>\n$5.2<\/td>\n$(30)<\/td>\n\u00a0<\/td>\n$19<\/td>\n$0.9<\/td>\n<\/tr>\n
Diluted EPS<\/td>\n$0.11<\/td>\n$(0.75)<\/td>\n\u00a0<\/td>\n$0.39<\/td>\n$0.02<\/td>\n<\/tr>\n
Adjusted EBITDA<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n$41<\/td>\n$31<\/td>\n<\/tr>\n
\n Dollars in millions, except per share amounts.<\/em>\n <\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n
\n
\n 1<\/em>
\n <\/strong>
\n <\/sup>
\n See the section entitled \u201cAbout Non-GAAP Financial Measures\u201d for an explanation of non-GAAP measures, and the table entitled \u201cReconciliation of Non-GAAP Financial Measures\u201d for a reconciliation of non-GAAP to GAAP measures.<\/em>\n <\/td>\n<\/tr>\n
\n
\n
\n 2<\/em>
\n <\/strong>
\n <\/sup>
\n 3<\/em>
\n Q24 total revenue includes $<\/em>
\n 9<\/em>
\n million from the credit cards receivable portfolio which was sold in November 2024.<\/em>\n <\/td>\n<\/tr>\n
\u00a0<\/td>\n<\/tr>\n<\/table>\n

\n Business Highlights<\/strong>\n <\/p>\n