财务数据和关键指标变化 - 公司在第二季度实现了创纪录的总收入2.67亿美元,同比增长18% [11] - 公司的年化净核销率为12.5%,低于指引范围的下限,主要得益于有效的催收和回收措施以及更严格的信贷标准 [9] - 公司的风险调整收益率增加40个基点至19.7% [27] 各条业务线数据和关键指标变化 - 公司的贷款发放总额为4.85亿美元,同比下降45%,但较上季度增长19%,体现了公司专注于质量而非数量 [19] - 公司的贷款组合收益率为32.2%,较上季度增加83个基点,公司预计到年底将比2022年底提高约200个基点 [20] 各个市场数据和关键指标变化 - 公司的新客户中,信用评分660分及以上的占比从去年同期的33%提高至本季度的47%,显示公司成功吸引和审核了更高信用质量的借款人 [30] 公司战略和发展方向及行业竞争 - 公司将85%的企业开支投入到无担保个人贷款业务,10%投入到储蓄产品和会员参与平台,剩余5%用于其他产品的开发 [13][14][15] - 公司决定逐步退出支票账户业务,以便将资源集中于更有利可图的产品 [15] - 公司最近签订了两项新的贷款出售协议,将提供总计高达7亿美元的额外流动性和资金 [32][33] 管理层对经营环境和未来前景的评论 - 公司预计第三季度的年化净核销率将下降约80个基点至11.7% [29] - 公司预计第三季度的调整EBITDA将达到3500万美元至4000万美元,全年调整EBITDA将达到7000万美元至7500万美元 [34][35][36] - 公司管理层对公司在2023年下半年和2024年及以后的盈利能力和价值创造表示乐观 [36][41]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number 001-39050 OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 45-33 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2023 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number 001-39050 OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 45-3 ...

1Q 2023 Earnings Presentation May 8, 2023 Forward-looking statements This presentation also contains estimates and other statistical data made by independent parties and by the Company relating to market size and growth and other industry data. These data involve a number of assumptions and limitations, and you are cautioned not to give undue weight to such estimates. The Company has not independently verified the statistical and other industry data generated by independent parties and contained in this pre ...

Oportun Financial Corporation (NASDAQ:OPRT) Q1 2023 Earnings Conference Call May 8, 2023 5:00 PM ET Company Participants Dorian Hare - Senior Vice President-Investor Relations Raul Vazquez - Chief Executive Officer Jonathan Coblentz - Chief Financial Officer and Chief Administrative Officer Conference Call Participants John Hecht - Jefferies Rick Shane - JPMorgan Steven Kwok - KBW Operator Welcome to Oportun Financial Corporation’s First Quarter 2023 Earnings Conference Call. All lines have been placed on m ...

Funding & Liquidity • 1Q23: delayed $42M residual financing facility amortization to 2024, increased capacity of senior secured term loan by up to $75M • Kept 2H22 Adjusted Operating Expenses flat from 1H22 Cost Measures • 52.4% 4Q adjusted operating efficiency ratio (post-IPO record); 1,215 bps improvement • $48-53M 2023 run-rate expense savings; targeting 75% reduction in hiring and backfills Underwriting 14 32.0% (10) (11) 20.5% (11.5)% 15.5% (5.0)% Gross Yield Net Charge-Offs Risk-Adjusted Yield Servici ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ Commission File Number 001-39050 OPORTUN FINANCIAL CORPORATION (Exact Name of Registrant as Specified in its Charter) Delaware 45-336198 ...

Oportun Financial Corporation (NASDAQ:OPRT) Q4 2022 Earnings Conference Call March 13, 2023 5:00 PM ET Company Participants Dorian Hare – Vice President-Investor Relations Raul Vazquez – Chief Executive Officer Jonathan Coblentz – Chief Financial Officer and Chief Administrative Officer Conference Call Participants Sanjay Sakhrani – KBW Matthew Hurwit – Jefferies Rick Shane – JPMorgan Hal Goetsch – Loop Capital Markets David Scharf – JMP Securities Operator Hello and welcome to the Oportun Financial Fourth ...

March 13, 2023 In some cases, you can identify forward-looking statements by terminology such as "aim," "anticipate," "assume," "believe," "contemplate," "continue," "could," "due," "estimate," "expect," "goal," "intend," "may," "objective," "plan," "predict," "potential," "positioned," "seek," "should," "target," "will," "would," or the negative of these terms or other similar words. These forward-looking statements are subject to the safe harbor provisions under the Private Securities Litigation Reform Ac ...

Oportun Financial Corp. (NASDAQ:OPRT) Q3 2022 Results Conference Call November 7, 2022 5:00 PM ET Company Participants Dorian Hare - SVP, IR Raul Vazquez - CEO Jonathan Coblentz - CFO, CAO Conference Call Participants Mark DeVries - Barclays Sanjay Sakhrani - KBW Rick Shane - JPMorgan David Scharf - JMP John Hecht - Jefferies Hal Goetsch - Loop Capital Operator Good evening, and welcome to Oportun Financial Third Quarter 2022 Earnings Conference Call. [Operator Instructions]. Please note, this event is bein ...