Jun 2026 (Q2 FY26) — Aug 5, 2026
Oportun Financial Q2 FY26 — Strong Profitability and Credit Performance
Read the full callOportun Financial (OPRT) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Oportun Financial earnings: last reported Wed, 5 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 233 | −0.5% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 8.5 | +24.1% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$8.85 −2.53% · −$0.23
Performance +70.2% 1Y
1Y: $5.2 on 17 Oct 2025 → $8.85. High $9.21 (15 Oct 2026), low $4.13 (18 Mar 2026).
- Previous close
- $9.08
- 52-week range
- $4.13 – $9.21
- One year
- +62.98%
Overview
- Symbol
- OPRT
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
Oportun Financial earnings calls (OPRT)
Financials
What the filings say
Net profit, year on year: +24% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 250 | 251 | 236 | 234 | 239 | 248 | 229 | 233 |
| Profit before tax | -39 | 4 | 13 | 10 | 14 | 7 | 4 | 16 |
| Tax rate | 24.1% | −123.4% | 25.8% | 32.0% | 63.5% | 48.1% | 34.1% | 45.4% |
| Net profit | -30 | 9 | 10 | 7 | 5 | 3 | 2 | 9 |
| EPS ($ per share) | -0.75 | — | 0.21 | 0.15 | 0.11 | — | 0.05 | 0.18 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Reserves | 53 | 77 | 36 | 84 | 6 | -174 | -253 | -227 |
| Total liabilities | 1,393 | 1,713 | 1,542 | 2,343 | 3,066 | 3,007 | 2,873 | 2,868 |
| Fixed assets | 23 | 23 | 16 | 10 | 11 | 7 | 3 | 2 |
| Total assets | 1,740 | 2,202 | 2,009 | 2,947 | 3,614 | 3,412 | 3,227 | 3,258 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 138 | 218 | 153 | 163 | 248 | 393 | 394 | 413 |
| Cash from investing | -471 | -498 | 16 | -885 | -1,172 | -286 | -194 | -370 |
| Cash from financing | 368 | 286 | -137 | 746 | 935 | -104 | -191 | -59 |
| Net cash flow | 35 | 7 | 32 | 24 | 11 | 2 | 9 | -16 |
| Capital expenditure | -15 | -9 | -5 | -12 | -6 | — | — | — |
| Free cash flow | 124 | 209 | 148 | 151 | 242 | — | — | — |
Insider filings
32 filings between Dec 31, 2025 and Sep 11, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$416.1K
10 sales by 3 insiders
Compensation
not trading decisions- 14
- Award — granted as compensation
- 4
- Tax withheld — shares kept back by the company to cover tax
Also filed: 4 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Kirscht Patrick | — | $266.1K | Mar 10, 2026 |
| Layton Kathleen I. | — | $127.8K | Sep 10, 2026 |
| Schueller Joseph Andrew | — | $22.3K | Sep 11, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 11, 2026 | Schueller Joseph Andrew SVP-Controller, CAO | Sale | 28 | $218 |
| Sep 10, 2026 | Schueller Joseph Andrew SVP-Controller, CAO | Sale | 2,831 | $22.1K |
| Sep 10, 2026 | Layton Kathleen I. Chief Legal Officer | Sale | 4,223 | $32.9K |
| Sep 10, 2026 | Rowles Sean A Chief Risk Officer | Award | 382,653 | — |
| Aug 19, 2026 | Scheirman Scott Director | Award | 20,869 | — |
| Aug 11, 2026 | Tambor Richard N. Director | Award | 20,869 | — |
| Aug 11, 2026 | Minetti Carlos Director | Award | 20,869 | — |
| Aug 11, 2026 | Miramontes Louis Director | Award | 25,042 | — |
| Aug 11, 2026 | Daswani Mohit Director | Award | 20,869 | — |
| Aug 11, 2026 | WILCOX WARREN Director | Award | 20,869 | — |
| Aug 11, 2026 | Lee Ginny Director | Award | 20,869 | — |
| Jun 15, 2026 | Tambor Richard N. Director | Gift | 36,127 | — |
| Jun 15, 2026 | Tambor Richard N. Director | Gift | 36,127 | — |
| Jun 15, 2026 | Tambor Richard N. Director | Gift | 36,127 | — |
| Jun 15, 2026 | Tambor Richard N. Director | Gift | 36,127 | — |
| Jun 10, 2026 | Bland Douglas K Chief Executive Officer | Award | 463,822 | — |
| Mar 10, 2026 | Kirscht Patrick Chief Credit Officer | Award | 75,047 | — |
| Mar 10, 2026 | Kirscht Patrick Chief Credit Officer | Sale | 12,099 | $59.3K |
| Mar 10, 2026 | Kirscht Patrick Chief Credit Officer | Sale | 8,666 | $42.5K |
| Mar 10, 2026 | Kirscht Patrick Chief Credit Officer | Sale | 14,172 | $69.4K |
| Mar 10, 2026 | Kirscht Patrick Chief Credit Officer | Sale | 19,362 | $94.9K |
| Mar 10, 2026 | Vazquez Raul Chief Executive Officer | Tax withheld | 18,190 | — |
| Mar 10, 2026 | Vazquez Raul Chief Executive Officer | Tax withheld | 21,094 | — |
| Mar 10, 2026 | Vazquez Raul Chief Executive Officer | Tax withheld | 18,260 | — |
| Mar 10, 2026 | Vazquez Raul Chief Executive Officer | Tax withheld | 32,787 | — |
| Mar 10, 2026 | Layton Kathleen I. Chief Legal Officer | Sale | 1,398 | $6.9K |
| Mar 10, 2026 | Layton Kathleen I. Chief Legal Officer | Sale | 5,556 | $27.2K |
| Mar 10, 2026 | Layton Kathleen I. Chief Legal Officer | Sale | 12,401 | $60.8K |
| Mar 10, 2026 | Layton Kathleen I. Chief Legal Officer | Award | 70,357 | — |
| Dec 31, 2025 | Layton Kathleen I. Chief Legal Officer | Award | 86,043 | — |
| Dec 31, 2025 | Kirscht Patrick Chief Credit Officer | Award | 95,603 | — |
| Dec 31, 2025 | Schueller Joseph Andrew SVP-Controller, PAO & PFO | Award | 45,890 | — |
| Sep 10, 2025 | Schueller Joseph Andrew SVP-Controller, PAO & PFO | Award | 28,090 | — |
| Sep 10, 2025 | Layton Kathleen I. Chief Legal Officer | Sale | 4,214 | $28.0K |
| Aug 21, 2025 | Miramontes Louis Director | Award | 3,644 | — |
| Aug 19, 2025 | WILCOX WARREN Director | Award | 18,041 | — |
| Jul 18, 2025 | Lee Ginny Director | Award | 18,090 | — |
| Jul 18, 2025 | Daswani Mohit Director | Award | 18,090 | — |
| Jul 18, 2025 | Barefoot Jo Ann Director | Award | 18,090 | — |
| Jul 18, 2025 | Tambor Richard N. Director | Award | 18,090 | — |
| Jul 18, 2025 | Miramontes Louis Director | Award | 18,090 | — |
| Jul 18, 2025 | Smith Sandra Adele Director | Award | 18,090 | — |
| Jul 18, 2025 | Minetti Carlos Director | Award | 18,090 | — |
| Apr 2, 2025 | Layton Kathleen I. Chief Legal Officer | Award | 73,530 | — |
| Apr 2, 2025 | Kirscht Patrick Chief Credit Officer | Award | 110,295 | — |
| Apr 2, 2025 | Vazquez Raul Chief Executive Officer | Award | 225,000 | — |
| Mar 10, 2025 | Vazquez Raul Chief Executive Officer | Tax withheld | 20,986 | — |
| Mar 10, 2025 | COBLENTZ JONATHAN AARON CFO & Chief Admin Officer | Tax withheld | 1,385 | — |
| Mar 10, 2025 | COBLENTZ JONATHAN AARON CFO & Chief Admin Officer | Tax withheld | 5,831 | — |
| Mar 10, 2025 | COBLENTZ JONATHAN AARON CFO & Chief Admin Officer | Tax withheld | 2,577 | — |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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