Oportun Financial Corp
Oportun Financial Corporation (Nasdaq: OPRT) operates an intelligent lending and savings platform designed to serve underbanked and underserved consumers across the United States. The company's website is www.oportun.com. From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What Oportun Financial Corp does
In the company’s own words
Oportun Financial Corporation (Nasdaq: OPRT) operates an intelligent lending and savings platform designed to serve underbanked and underserved consumers across the United States. The company's website is www.oportun.com.
Founded in 2005, Oportun has extended more than $21.8 billion in responsible credit through more than 8.0 million loans and credit cards while helping over 1.3 million people establish credit histories. The company serves approximately 2.8 million members through multiple channels including its mobile app, website, telesales team, and 126 physical retail locations.
Oportun's core product suite includes unsecured personal loans, secured personal loans, and its proprietary Set & Save savings product. Unsecured personal loans range from $300 to $10,000 with terms of 12 to 54 months and fixed interest rates capped at 36% APR. Secured personal loans, collateralized by automobiles, range from $2,525 to $18,500 with terms of 24 to 64 months. The Set & Save product uses machine learning algorithms to help members automate savings by analyzing transaction data and cash flow patterns, with members having saved more than $12.5 billion collectively since 2015.
The company's competitive differentiation stems from its sophisticated use of artificial intelligence and alternative data sets in underwriting. Oportun scores 100% of applicants using billions of proprietary data points, enabling it to serve borrowers typically declined by mainstream financial institutions. The company operates unsecured personal loans in 41 states through direct licensing and partnerships, with secured personal loans available in eight states.
As of December 31, 2025, Oportun employed 2,405 full-time and 83 part-time employees worldwide, including 332 corporate employees in the United States. The company generates revenue primarily from interest income on its loan portfolio and fee income from its financial products. Oportun funds its lending operations through warehouse facilities, loan sales, and securitization transactions with bank partners, including Pathward N.A., which originates a substantial portion of the company's loans.
Company details
- Sector
- Financials
- Industry
- Finance Services
- Headquarters
- SAN MATEO, CA
- Fiscal year end
- December
- CIK
- 1538716
- SIC
- 6199
Financial performance, year by year
Fiscal 2019–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns Oportun Financial Corp — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · Oportun Financial Corp’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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