Oportun Financial (NASDAQ:OPRT) Releases Q4 2025 Earnings Guidance

Oportun Financial (NASDAQ:OPRT) updated its fourth quarter 2025 earnings guidance on Wednesday. The company provided earnings per share (EPS) guidance of 0.230-0.270 for the period, compared to the consensus estimate of 0.250. The company issued revenue guidance of $246.0 million-$248.0 million, compared to the consensus revenue estimate of $241.8 million. Oportun Financial also updated its FY 2025 guidance to 1.320-1.360 EPS.

Wall Street Analyst Weigh In

Several equities research analysts have recently weighed in on OPRT shares. Zacks Research downgraded shares of Oportun Financial from a “strong-buy” rating to a “hold” rating in a research note on Monday, October 6th. Wall Street Zen cut Oportun Financial from a “strong-buy” rating to a “buy” rating in a research report on Tuesday. JPMorgan Chase & Co. upgraded Oportun Financial from an “underweight” rating to a “neutral” rating and set a $5.50 target price on the stock in a research note on Monday, January 12th. Finally, Weiss Ratings restated a “sell (d+)” rating on shares of Oportun Financial in a research note on Monday, December 29th. Two analysts have rated the stock with a Buy rating, four have issued a Hold rating and one has assigned a Sell rating to the stock. Based on data from MarketBeat.com, the company presently has an average rating of “Hold” and an average price target of $8.50.

Oportun Financial Stock Down 0.2%

NASDAQ OPRT traded down $0.01 during trading hours on Wednesday, hitting $4.84. 744,220 shares of the stock were exchanged, compared to its average volume of 260,107. The company has a market cap of $213.59 million, a price-to-earnings ratio of 7.33 and a beta of 1.21. Oportun Financial has a 12-month low of $3.67 and a 12-month high of $9.24. The stock has a 50-day moving average of $5.18 and a 200 day moving average of $5.76.

Oportun Financial (NASDAQ:OPRT) last released its earnings results on Wednesday, November 5th. The company reported $0.39 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.26 by $0.13. The company had revenue of $238.69 million for the quarter, compared to analysts’ expectations of $238.52 million. Oportun Financial had a return on equity of 17.61% and a net margin of 3.19%. On average, equities research analysts expect that Oportun Financial will post 0.94 earnings per share for the current year.

Institutional Investors Weigh In On Oportun Financial

Several institutional investors have recently made changes to their positions in the stock. PharVision Advisers LLC purchased a new position in Oportun Financial during the 3rd quarter valued at about $77,000. Prosperity Wealth Management Inc. purchased a new stake in shares of Oportun Financial in the third quarter valued at about $286,000. Centiva Capital LP acquired a new stake in shares of Oportun Financial in the third quarter valued at approximately $86,000. Zacks Investment Management purchased a new position in shares of Oportun Financial during the 3rd quarter worth approximately $139,000. Finally, Virtu Financial LLC purchased a new position in shares of Oportun Financial during the 3rd quarter worth approximately $64,000. 82.70% of the stock is currently owned by hedge funds and other institutional investors.

About Oportun Financial

Oportun Financial Corporation (NASDAQ: OPRT) is a financial technology company that provides consumer lending products aimed at serving the underbanked and credit-invisible population in the United States. Headquartered in Redwood City, California, Oportun operates a digital platform that enables borrowers to access credit through unsecured personal installment loans, secured credit-builder loans and a proprietary mobile wallet. The company leverages machine learning and alternative data sources to assess creditworthiness, extending financial services to customers with limited or no traditional credit history.

The company’s core offerings include fixed-term installment loans designed to help individuals cover unexpected expenses, consolidate debt or build credit.