roll this initiative out in the second half of the year. Last month, we launched another initiative, a payment protection offering, that we expect will provide more certainty for our members and a positive financial contribution to opportune

Aug 5, 2026 / receipt

For Q2, we reported $94 million in operating expenses, down 13% year-over-year. We reduced total expenses while increasing our marketing expenditure by $2 million, which drove our originations growth. Thanks to our diligent expense management, we now expect full-year 2025 gap operating expenses of approximately $380 million, down $10 million from our prior expectation of $390 million, and down $30 million from 2024's level of $410 million.

Aug 6, 2025 / receipt, needs a key / Raul Vasquez, CEO | earnings call 2025-08-06 | transcript e89e39ea-97e9-4400-bfaa-cc91ab0d4dab | chars 4193-4636 | segment 4

On September 5, 2026, the Board of Directors (the “Board”) of Oportun Financial Corporation (the “Company”) appointed William Franklin as Chief Financial Officer and principal financial officer of the Company, effective as of September 8, 2026 (the “Effective Date”), subject to Mr. Franklin's commencement of employment and satisfaction of the conditions set forth in the Offer Letter (as defined below).

filing / Sep 11, 2026 / receipt

There are no other arrangements or understandings between Mr. Franklin and any other persons pursuant to which he was appointed as Chief Financial Officer and principal financial officer of the Company.

filing / Sep 11, 2026 / receipt

Adjusted OpEx ratio of 12.7% improved by 63 bps Y/Y, nearing 12.5% target

ir_statement / Sep 17, 2026 / receipt

Focused on strengthening unit economics while under tight credit posture

ir_statement / Sep 17, 2026 / receipt

Interest expense declined $9M, 16% Y/Y

ir_statement / Sep 17, 2026 / receipt

Maintaining cost discipline, increased scale falls to the bottom line

ir_statement / Sep 17, 2026 / receipt

Maintaining cost discipline, increased scale falls to the bottom line

ir_statement / Sep 17, 2026 / receipt

Adjusted OpEx ratio of 12.7% improved by 63 bps Y/Y, nearing 12.5% target

ir_statement / Sep 17, 2026 / receipt

Interest expense declined $9M, 16% Y/Y; cost of debt declined by -116 bps to 7.0%, below 8.0% target

ir_statement / Sep 17, 2026 / receipt

Reduced leverage from 7.6x to 6.8x Y/Y, approaching 6.0x target while increasing unrestricted cash balance by $52M, 66%

ir_statement / Sep 17, 2026 / receipt

Adjusted OpEx ratio of 12.7% improved by 63 bps Y/Y, nearing 12.5% target

ir_statement / Sep 17, 2026 / receipt

Interest expense declined $9M, 16% Y/Y; cost of debt declined by -116 bps to 7.0%, below 8.0% target

ir_statement / Sep 17, 2026 / receipt