季度财务业绩 - 季度每股收益为0.39美元，远超市场预期的0.26美元，同比大幅增长（去年同期为0.02美元）[1] - 本季度营收为2.387亿美元，略低于市场预期0.06%，同比有所下降（去年同期为2.5亿美元）[2] - 过去四个季度中，公司四次超出每股收益预期，两次超出营收预期[2] 盈利惊喜与历史表现 - 本季度盈利惊喜达到+50.00%，上一季度盈利惊喜为+40.91%[1] - 公司股价年初至今上涨约38.1%，显著跑赢标普500指数16.5%的涨幅[3] 未来展望与市场预期 - 当前市场对下一季度的共识预期为每股收益0.30美元，营收2.4156亿美元[7] - 对本财年的共识预期为每股收益1.24美元，营收9.5228亿美元[7] - 盈利预期修订趋势在财报发布前表现不一，公司当前Zacks评级为第3级（持有）[6] 行业比较与同业公司 - 公司所属的金融-综合服务行业在Zacks行业排名中处于前32%分位[8] - 同业公司Sachem Capital Corp预计季度每股收益为0.01美元，同比增长107.7%，预计营收为1077万美元，同比下降27.1%[9][10]

Oportun Financial (NasdaqGS:OPRT) Q3 2025 Earnings Call November 04, 2025 05:00 PM ET Speaker2Greetings and welcome to the Oportun Financial Third Quarter 2025 earnings call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the formal presentation. If anyone should require operator assistance, please press star zero on your telephone keypad. As a reminder, this conference is being recorded. It is now my pleasure to introduce your host, Dorian Hare of Invest ...

Oportun 3Q 2025 Earnings Presentation November 4, 2025 Forward-looking statements This presencation and the easomariy poral presentation contain forward Housing statements of histian nents other ther statements of isitericas fract contained in the succ statements as to future performance, results of cceation and financial position achiever of our stransept of our stransept sinci ites and qadest on regercines con experion conditions and julye continins cour de change cif rate cologic innsan le exceptations o ...

Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance Operating expenses reduced 11% year-over-year, supporting continued margin expansion SAN CARLOS, CA – November 4, 2025 – Oportun Financial Corporation (Nasdaq: OPRT) ("Oportun", or the "Company") today reported financial results for the third quarter ended September 30, 2025. "Our third quarter results were strong, marking our fourth consecutive quarter of GAAP profitability as we delivered a $3 ...

Meets or exceeds all third quarter guidance metrics GAAP Net income of $5.2 million reflects $35 million year-over-year improvement GAAP EPS of $0.11, up $0.86 versus prior-year period Adjusted EPS of $0.39, up sharply versus $0.02 in 3Q24 Operating expenses reduced 11% year-over-year, supporting continued margin expansion SAN CARLOS, Calif., Nov. 04, 2025 (GLOBE NEWSWIRE) -- Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") today reported financial results for the third quarter e ...

公司业绩预期 - 市场预计Oportun Financial在2025年9月季度将实现每股收益0.26美元，同比增长1200% [1][3] - 预计季度营收为2.3885亿美元，同比下降4.5% [1][3] - 过去30天内，季度共识每股收益预期被下调3%至当前水平 [4] 业绩公布与股价影响 - 业绩报告预计于11月4日发布，实际业绩与预期相比可能影响股价短期走势 [1][2] - 若关键数据超预期，股价可能上涨；若不及预期，则可能下跌 [2] 盈利惊喜预测模型 - Zacks盈利ESP通过比较最准确预期与共识预期来预测实际盈利偏离可能性 [7][8] - 正盈利ESP结合Zacks排名前三级别时，预测盈利超预期的成功率近70% [9][10] - 负盈利ESP读数并不一定预示业绩不及预期 [11] Oportun Financial预测指标 - 最准确预期低于共识预期，盈利ESP为-13.73%，显示分析师近期对盈利前景转淡 [12] - 公司当前Zacks排名为第3级 [12] - 盈利ESP与排名组合使得难以确定预测公司将超越共识每股收益预期 [12] 历史业绩表现 - 上一报告季度，公司实际每股收益0.31美元，超越预期0.22美元，惊喜幅度达+40.91% [13] - 过去四个季度中，公司三次超越共识每股收益预期 [14] 行业同业比较 - 同业公司Acadian Asset Management预计季度每股收益0.73美元，同比增长23.7% [18][19] - 预计季度营收1.4562亿美元，同比增长18.3% [19] - 过去30天内共识每股收益预期上调5.1%，但盈利ESP为0%，结合其Zacks排名第3级，难以预测将超越预期 [19][20] - 过去四个季度中，该公司三次超越共识每股收益预期 [20]

Oportun Financial Corporation (NASDAQ:OPRT) is one of the top credit services stocks to buy amid the US rate cut. On October 14, Oportun Financial Corporation (NASDAQ:OPRT) successfully enhanced its debt capital structure. The company closed a $247 million three-year revolving term committed warehouse facility with Citizens Financial Group. Oportun Financial Corporation (OPRT) Enhances Debt Capital Structure with $247M Warehouse Facility Additionally, it secured a 12-month extension of an existing wareho ...

SAN CARLOS, Calif., Oct. 21, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, will release financial results for its third quarter 2025 on Tuesday, November 4, 2025, after market close. Oportun will host a conference call and earnings webcast to discuss results on Tuesday, November 4, 2025, at 5:00 pm ET / 2:00 pm PT. A live webcast of the call will be accessible from Oportun’s investor relations website at investor.oportun.com, and a webcast replay of the call w ...

5.77% average yield, demonstrates Oportun’s continued access to low-cost funding Third consecutive transaction with AAA rating on most senior bonds SAN CARLOS, Calif., Oct. 20, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the issuance of $441 million of two-year revolving fixed rate asset-backed notes secured by a pool of unsecured and secured installment loans. The offering included five classes of fixed rate notes: Class A, Class B, Class ...

债务资本结构优化 - 与Citizens Financial Group, Inc和Community Investment Management新签署一项价值2.47亿美元的仓库设施融资[1][6] - 将现有与高盛和杰富瑞的仓库设施期限延长了12个月[1][6] - 将合并仓库设施的总承诺容量从9.54亿美元增加至11.4亿美元[6] - 将合并仓库设施的加权平均剩余期限从17个月延长至25个月[1][6] 融资成本与条款改善 - 新签署的仓库设施定价优于现有仓库设施，降低了整体仓库融资成本[6] - 其他现有仓库设施的结构保持不变[6] 公司债务偿还 - 自第三季度结束以来，公司主动偿还了1750万美元较高成本的公司债务[1][2] - 自2024年10月该融资机制启动以来，公司债务偿还总额已达到5000万美元[1][6] - 已将2024年10月初始的2.35亿美元较高成本公司融资余额削减至1.85亿美元[3] - 提前偿还了2026年1月到期的2750万美元强制性公司贷款中剩余的750万美元，并额外偿还了1000万美元可免罚金提前还款的债务[2] 公司业务概览 - 公司是一家使命驱动的金融服务公司，旨在帮助会员实现财务目标[4] - 自成立以来，公司已提供超过208亿美元的负责任且负担得起的信贷，为会员节省了超过25亿美元的利息和费用，并帮助会员平均每年储蓄超过1800美元[4]