Welcome to our dedicated page for Oportun Financial SEC filings (Ticker: OPRT), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Oportun Financial Corporation (OPRT) SEC filings page provides access to the company’s official regulatory disclosures as a Nasdaq-listed financial services issuer. Through its Forms 10-K, 10-Q, and 8-K, Oportun reports detailed information on its consumer lending business, funding arrangements, governance, and material events. These filings complement the company’s press releases by presenting structured, legally mandated data about its operations and financial condition.
Oportun’s current reports on Form 8-K frequently address topics such as quarterly financial results, new warehouse financing facilities, asset-backed securitizations, amendments to bank partnership agreements, and governance changes. For example, recent 8-K filings describe the creation of a new warehouse facility with specified borrowing capacity and interest terms, the issuance of revolving fixed-rate asset-backed notes secured by unsecured and secured personal installment loans, and amendments to the company’s program agreement with Pathward, National Association regarding loan origination and retention.
Other 8-K filings cover board and governance matters, including the appointment of directors, changes to committee composition, and amendments to the company’s certificate of incorporation to eliminate supermajority voting provisions and declassify the board. These documents also discuss executive officer appointments and shareholder voting results at annual meetings, giving investors insight into Oportun’s governance framework and leadership structure.
Oportun’s periodic reports on Form 10-K and Form 10-Q (not reproduced here but accessible via EDGAR) typically include comprehensive financial statements, management’s discussion and analysis, risk factor disclosures, and segment information relevant to its lending, savings, and budgeting capabilities. They also provide detail on credit performance metrics, funding sources, and capital structure, including warehouse lines and securitizations.
On this page, users can also review insider transaction reports on Form 4 and related ownership filings, which disclose purchases, sales, and equity awards involving Oportun’s directors and officers. These filings help investors understand how insiders are transacting in OPRT stock over time.
Stock Titan enhances these filings with AI-powered summaries that explain key points from lengthy documents, highlight changes from prior periods, and surface important items such as new debt facilities, securitizations, or governance amendments. Real-time updates from the SEC’s EDGAR system ensure that new 8-K, 10-Q, 10-K, and Form 4 filings for Oportun appear promptly, while AI-generated overviews make it easier to interpret technical language and complex capital structure details.
Oportun Financial Corporation announced a leadership transition, with CEO Raul Vazquez stepping down on April 3, 2026 and becoming a non-employee advisor until July 3, 2026. He will also leave the board on April 3.
Effective April 4, 2026, Chief Legal Officer Kate (Kathleen) Layton and Senior Vice President, General Manager, Lending Gaurav Rana will jointly lead the company through an Office of the CEO, serving as co-principal executive officers on an interim basis while the board continues its search for a permanent CEO. Both will retain their existing roles and receive a $35,000 monthly base salary increase during their tenure in the Office of the CEO, on top of current base salaries of $450,000 for Ms. Layton and $435,750 for Mr. Rana, plus existing bonus and equity eligibility.
Oportun Financial Corp amended Schedule 13G to report that The Vanguard Group holds 0 shares of Common Stock, representing 0% of the class. The filing explains an internal realignment effective January 12, 2026 that led to disaggregated reporting by Vanguard subsidiaries, and states Vanguard no longer is deemed to beneficially own securities held by those subsidiaries. The amendment is signed by Ashley Grim, Head of Global Fund Administration, dated March 27, 2026.
Oportun Financial Corporation has a joint Schedule 13G filing reporting that a group of affiliated Millennium entities and Integrated Core Strategies (US) LLC each disclose holdings around 2,241,499–2,246,536 shares, representing approximately 5.0% of common stock as shown on the cover pages. The filing lists shared voting and dispositive power among the filers and includes a Joint Filing Agreement dated March 17, 2026.
Oportun Financial Corp Chief Credit Officer Patrick Kirscht reported stock awards and open-market sales. He received 37,524 Performance Stock Units, each tied to one share of common stock and eligible to vest based on multi-year performance and service conditions. He was also granted 75,047 Restricted Stock Units that vest in three equal annual installments starting on March 10, 2026.
On the same date, Kirscht sold a total of 54,299 common shares in open-market transactions at a weighted average price of about $4.90 per share, with individual trade prices ranging from $4.805 to $4.995. Following these transactions and awards, he directly holds 514,665 shares of common stock, plus unvested performance and restricted stock units.
Oportun Financial Corp’s Chief Executive Officer Raul Vazquez reported several tax-related share dispositions, not market sales. On March 10, 2026, a total of 90,331 shares of common stock were withheld by the company to satisfy tax obligations tied to vesting of previously reported restricted stock units. Following these tax-withholding entries, Vazquez directly owns 1,328,298 shares of Oportun common stock and indirectly holds 233,709 shares through a family trust for which he serves as trustee.
Oportun Financial Corp Chief Legal Officer Kathleen I. Layton reported a mix of equity awards and share sales. She received 35,179 Performance Stock Units (PSUs), each tied to one common share, that may vest based on Economic ROA and relative total shareholder return performance over calendar years 2026–2028, with potential payout from 0% to 125% of target units and final vesting scheduled for March 10, 2029. She also received 70,357 Restricted Stock Units (RSUs), each representing one common share, which vest in three equal annual installments starting March 10, 2026, subject to continued service.
On the same date, Layton sold a total of 19,355 shares of common stock in multiple open‑market transactions at a weighted average price of about $4.90 per share, with actual prices ranging from $4.805 to $4.995. After these transactions, she directly holds 296,229 shares of common stock, plus the newly granted PSUs and RSUs.
Oportun Financial Corporation files its annual report describing 2025 net income of $25.2 million after a 2024 net loss of $78.7 million, largely driven by fair value changes and lower operating expenses. The company provides unsecured and secured personal loans and a Set & Save™ automated savings product to underserved U.S. consumers.
Since 2005, Oportun has extended more than $21.8 billion in credit through over 8.0 million loans and credit cards and helped over 1.3 million people start a FICO® history. Its Set & Save tool has enabled members to set aside more than $12.5 billion, averaging about $1,800 in annual savings per member, using machine learning to analyze cash flows.
The company’s strategy focuses on improving credit outcomes toward a 9%–11% net charge-off target, boosting loan yields, controlling expenses, and expanding higher-collateral secured personal loans and Lending as a Service partnerships, while remaining heavily reliant on bank partner Pathward for originations. Shares outstanding were 44,500,268 as of February 18, 2026.
Oportun Financial Corporation returned to profitability in 2025 and raised its outlook for 2026. Full year 2025 GAAP net income was $25.2M, up $104M from a $78.7M loss in 2024, while total revenue slipped to $956.7M from $1,001.8M.
GAAP diluted EPS reached $0.53 and Adjusted EPS rose 89% to $1.36. Adjusted EBITDA grew 42% to $148.4M as operating expenses fell 12% to $361.8M. Credit performance remained stable, with a full year net charge-off rate of 12.0% and 30+ day delinquencies of 4.9%.
Management guided 2026 Adjusted EPS to $1.50–$1.65, Adjusted Net Income to $74–$82M, and Adjusted EBITDA to $150–$165M. Secured personal loan receivables reached $226M, up 39% year-over-year, and undrawn warehouse capacity stood at $934M as of December 31, 2025.