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Est. EPS $0.46 · Revenue $237.86M · 4 analysts
Est. EPS $0.51 · Revenue $246.94M · 4 analysts
Est. EPS $1.58 · Revenue $946.47M · 4 analysts
Est. EPS $0.40 · Revenue $241.09M · 1 analysts
EPS $0.21 · Revenue $163.23M
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $637.3M | +19.5% | +63.3% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $25.2M | +132.1% | +254.2% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +63.7% | +15.0% | +23.6% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +6.9% | +132.0% | +165.4% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +4.0% | +126.9% | +116.9% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $389.1M | +3.9% | +19.1% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +61.0% | -13.0% | -27.1% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 720.6% | -9.7% | -4.8% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 9.17x | +244.7% | -62.6% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $3.3B | +1.0% | -1.2% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 0.53 vs 1.35 | -60.7% | 0.17 vs 0.46 | -62.8% |
| Revenue Surprise | $637.3M vs $952.1M | -33.1% | $233.2M vs $237.9M | -2.0% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 19, 2026 | Scheirman Scott | director | Common Stock | A | 20,869 | — |
| Aug 11, 2026 | Scheirman Scott | director | Common Stock | — | 0 | — |
| Aug 11, 2026 | WILCOX WARREN | director | Common Stock | A | 20,869 | — |
| Aug 11, 2026 | Miramontes Louis | director | Common Stock | A | 25,042 | — |
| Aug 11, 2026 | Minetti Carlos | director | Common Stock | A | 20,869 | — |
Operator: Greetings, and welcome to the Oportun Financial Second Quarter 2026 Earnings Call. [Operator Instructions] As a reminder, this conference is being recorded. And now it is my pleasure to introduce Dorian Hare of Investor Relations. Please go ahead. Dorian Hare: Thanks, and hello, everyone. With me to discuss Oportun's second quarter 2026 results are Doug Bland, our Chief Executive Officer; and Paul Appleton, our Interim Chief Financial Officer, Treasurer and Head of Capital Markets. I remind everyone on the call or webcast that some of the remarks made today will include forward-looking statements related to our business, future results of operations and financial position, including projected adjusted ROE attainment and expected originations growth, planned products and services, business strategy, expense savings measures and plans and objectives of management for our future operations. Actual results may differ materially from those contemplated or implied by these forward-looking statements, and we caution you not to place undue reliance on these forward-looking statements. A more detailed discussion of the risk factors that could cause these results to differ materially are set forth in our earnings press release and in our filings with the Securities and Exchange Commission under the caption Risk Factors, including our upcoming Form 10-Q filing for the quarter ended June 30, 2026. Any forward-looking statement that we make on this call are based on assumptions as of today, and we undertake no obligation to update these statements as a result of new information or future events other than as required by law. Also on today's call, we will present both GAAP and non-GAAP financial measures, which we believe can be useful measures for the period-to-period comparisons of our core business and which will provide useful information to investors regarding our financial condition and results of operations. A full list of definitions can be found in our earnings materials available at the Investor Relations section of our website. Non-GAAP financial measures are presented in addition to and not as a substitute for financial measures calculated in accordance with GAAP. A reconciliation of non-GAAP to GAAP financial measures is included in our earnings press release, our second quarter 2026 financial supplement and the appendix section of the second quarter 2026 earnings presentation, all of which will be available at the Investor Relations section of our website at investor.oportun.com. In addition, this call is being webcast and an archived version will be available after the call, along with a copy of our prepared remarks. With that, I will turn the call over to Doug. Doug Bland: Thanks, Dorian, and good afternoon, everyone. Thank you for joining us. Q2 was a strong quarter and an important step forward for Oportun. We exceeded the high end of each of the second quarter guidance ranges provided last quarter. Total revenue was $233 million, …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Raul Vazquez | Advisor | USD 1,465,855 | Male | 1972 | Active |
Patrick Kirscht | Non-Employee Advisor | USD 873,523 | Male | 1968 | Active |
Kathleen I. Layton | Chief Legal Officer & Corporate Secretary | USD 647,510 | Female | 1980 | Active |
Gaurav Rana | Senior VP & GM of Lending | — | Male | 1981 | Active |
Paul Appleton | Treasurer & Head of Capital Markets | — | Male | — | Active |
Ryan Helwig | Chief Operating Officer | — | Male | — | Active |
Ezra C. Garrett | Senior Vice President of Public Affairs & Impact | — | Male | — | Active |
Gonzalo Palacio | Chief Marketing Officer | — | Male | — | Active |
Joseph A. Schueller | Principal Financial Officer & Principal Accounting Officer | — | Male | 1978 | Active |
Deepak Rao | Chief Technology Officer | — | Male | — | Active |
Dorian Hare | Senior Vice President of Investor Relations | — | Male | — | Active |
Doug Bland | CEO & Director | — | Male | 1968 | Active |
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Oportun Financial (OPRT) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
SAN MATEO, Calif. , July 27, 2026 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the launch of Smart Bills, a new AI-powered feature designed to help members of its Set and Save product prepare for ongoing bills and expenses.
SAN MATEO, Calif., July 27, 2026 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the launch of Smart Bills, a new AI-powered feature designed to help members of its Set & Save product prepare for ongoing bills and expenses.
SAN MATEO, Calif., July 24, 2026 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that it has been named to CNBC's World's Top Fintech Companies 2026 list for the third year in a row.
