Revenue: As of FY2025 Q4, the actual value is USD 246 M.EPS: As of FY2025 Q4, the actual value is USD 0.02, missing the estimate of USD 0.1684.Oportun Financial Corporation’s preliminary unaudited financial and operating results for the fourth quarter and full fiscal year ended December 31, 2025, indicate several key metrics. For the fourth quarter of 2025, the company reported Total Revenue between $246 million and $248 million, an Annualized Net Charge-Off Rate of 12.3%, Net Income ranging from $1 million to $3 million, Adjusted EBITDA between $40 million and $42 million, and Adjusted Net Income from $11 million to $13 million . For the full fiscal year 2025, preliminary results show Total Revenue between $955 million and $957 million, an Annualized Net Charge-Off Rate of 12.0%, Net Income of $23 million to $25 million, Adjusted EBITDA between $146 million and $148 million, and Adjusted Net Income from $63 million to $65 million .<h4>Executive Financial Obligations</h4>In relation to an executive’s departure, Oportun Financial Corporation has several financial obligations. These include an Executive Base Salary Severance totaling $1,102,500, payable in equal installments over 18 months after the Advisory Period End Date . A 2026 Target Bonus Payment of $918,750 will be made, prorated based on the number of calendar days of employment in 2026 . The company will also cover COBRA premiums or provide an equivalent taxable Healthcare Premium Payment for up to eighteen calendar months after the Employment End Date . Furthermore, 200,891 time-based Restricted Stock Units (RSUs) will immediately vest and settle if the Executive remains employed through the Planned Transition Date . Two-thirds of 2025 Performance-Based Restricted Stock Units (PSUs) will remain eligible to vest if they become “Economic ROA Eligible Units” . During an advisory period through July 3, 2026, the Executive will receive a cash fee of $61,250 per month . The company will also reimburse up to $20,000 in legal fees for the review of the Transition Agreement and Confirmatory Release .<h4>Outlook / Guidance</h4>Oportun Financial Corporation expects its Total Revenue for the fourth quarter of 2025 to be between $241 million and $246 million, and for the full year 2025, between $950 million and $955 million . The company’s guidance for the Annualized Net Charge-Off Rate is 12.45% +/- 15 basis points for the fourth quarter of 2025 and 12.1% +/- 10 basis points for the full fiscal year 2025 . Oportun Financial Corporation anticipates meeting or outperforming all its year-end 2025 guidance metrics .

Oportun Financial | 8-K: FY2025 Q4 Revenue: USD 246 M