<p>Oportun Financial Corp. ((OPRT)) 举行了第三季度财报电话会议。请继续阅读会议的主要亮点。</p>
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<li>了解 TipRanks 的 <em>ETF</em> AI 分析师如何帮助您做出更明智的投资决策</li>
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<p>Oportun Financial Corp. 最近的财报电话会议反映出总体积极的情绪，展示了持续的盈利能力、改善的信用表现和有效的成本管理。尽管有这些积极趋势，公司也承认面临一些挑战，例如略低的贷款发放和高于预期的逾期率。</p>
<h2>连续第四个季度实现 GAAP 盈利</h2>
<p>Oportun Financial 报告其连续第四个季度实现 GAAP 盈利，净收入为 520 万美元。这标志着与去年相比显著改善了 3500 万美元，突显了公司的强大财务健康和战略执行力。</p>
<h2>改善的信用表现</h2>
<p>公司报告其年化净违约率略微改善，从去年的 11.9% 降至 11.8%。此外，30 天以上逾期率同比改善了 44 个基点，降至 4.7%，反映出信用表现的提升。</p>
<h2>成本降低</h2>
<p>运营费用同比减少 11%，降至 9100 万美元，标志着自 2019 年公司上市以来的第二低季度费用水平。这一减少突显了 Oportun Financial 对成本管理和运营效率的承诺。</p>
<h2>改善的资本结构</h2>
<p>Oportun Financial 通过将债务与股本比率从去年的 8.7 降至 7.1，改善了其资本结构。公司还受益于新发行的 ABS 融资，平均收益率低于 6%，并扩大了仓库融资能力。</p>
<h2>担保个人贷款增长</h2>
<p>担保个人贷款发放同比增长 22%，担保组合同比增长 48%，达到 2.09 亿美元。这一增长表明该领域的强劲需求和战略重点。</p>
<h2>略低的贷款发放</h2>
<p>尽管第三季度贷款发放同比增长 7%，达到 5.12 亿美元，但由于信贷收紧措施，略低于之前的预期。这反映出在当前经济环境下的谨慎态度。</p>
<h2>高于预期的逾期率</h2>
<p>尽管 30 天以上逾期率同比改善，但仍处于内部预期的高端，表明在管理逾期方面面临持续挑战。</p>
<h2>预计净违约率暂时上升</h2>
<p>Oportun Financial 预计净违约率将暂时上升，2025 年全年年化净违约率的中点指导提高了 20 个基点，达到 12.1%。</p>
<h2>前瞻性指导</h2>
<p>展望未来，Oportun Financial 提供了乐观的指导，预计将继续保持强劲表现。公司将 2025 年的调整后每股收益指导提高至每股 1.30 至 1.40 美元，并预计 2026 年继续增长。此外，预计 2025 年全年的运营费用约为 3.7 亿美元，比之前的指导改善 1000 万美元。</p>
<p>总之，Oportun Financial Corp. 的财报电话会议强调了积极的前景，持续盈利和战略增长举措。尽管在贷款发放和逾期率方面面临一些挑战，但公司的有效成本管理和改善的信用表现为未来的增长提供了坚实的基础。</p>

OPRT

<p>Oportun Financial Corp. 报告了其第三季度的财务业绩，强调这是连续第四个季度实现 GAAP 盈利，净收入为 520 万美元，同比改善 3500 万美元。公司显示出信用表现改善，将年化净坏账率降低至 11.8%，运营费用减少 11%，降至 9100 万美元。担保个人贷款的发放增长了 22%，尽管整体发放略低于预期。尽管面临逾期率的挑战，Oportun 对 2025 年提供了乐观的指引，将调整后的每股收益预测提高至 1.30-1.40 美元</p>

<p>Oportun Financial Corp. ((OPRT)) has held its Q3 earnings call. Read on for the main highlights of the call.</p>
<div class="lb-trans"><p>Oportun Financial Corp. ((OPRT)) 举行了第三季度财报电话会议。请继续阅读会议的主要亮点。</p>
</div><h3>Meet Your ETF AI Analyst</h3>
<div class="lb-trans"><h3>认识您的 ETF AI 分析师</h3>
</div><ul>
<li>Discover how TipRanks' <em>ETF</em> AI Analyst can help you make smarter investment decisions</li>
<li>Explore ETFs TipRanks' users love and see what insights the <strong><em>ETF</em> AI Analyst</strong> reveals about the ones you follow.</li>
</ul>
<div class="lb-trans"><ul>
<li>了解 TipRanks 的 <em>ETF</em> AI 分析师如何帮助您做出更明智的投资决策</li>
<li>探索 TipRanks 用户喜爱的 ETF，并查看 <strong><em>ETF</em> AI 分析师</strong> 对您关注的 ETF 的见解。</li>
</ul>
</div><p>Oportun Financial Corp.’s recent earnings call reflected a generally positive sentiment, showcasing continued profitability, improved credit performance, and effective cost management. Despite these positive trends, the company acknowledged challenges such as slightly lower originations and higher than expected delinquency rates.</p>
<div class="lb-trans"><p>Oportun Financial Corp. 最近的财报电话会议反映出总体积极的情绪，展示了持续的盈利能力、改善的信用表现和有效的成本管理。尽管有这些积极趋势，公司也承认面临一些挑战，例如略低的贷款发放和高于预期的逾期率。</p>
</div><h2>Fourth Consecutive Quarter of GAAP Profitability</h2>
<div class="lb-trans"><h2>连续第四个季度实现 GAAP 盈利</h2>
</div><p>Oportun Financial reported its fourth consecutive quarter of GAAP profitability, achieving a net income of $5.2 million. This marks a significant $35 million year-over-year improvement, underscoring the company’s robust financial health and strategic execution.</p>
<div class="lb-trans"><p>Oportun Financial 报告其连续第四个季度实现 GAAP 盈利，净收入为 520 万美元。这标志着与去年相比显著改善了 3500 万美元，突显了公司的强大财务健康和战略执行力。</p>
</div><h2>Improved Credit Performance</h2>
<div class="lb-trans"><h2>改善的信用表现</h2>
</div><p>The company reported a slight improvement in its annualized net charge-off rate to 11.8% from 11.9% in the previous year. Additionally, the 30-plus day delinquency rate improved by 44 basis points to 4.7% year-over-year, reflecting enhanced credit performance.</p>
<div class="lb-trans"><p>公司报告其年化净违约率略微改善，从去年的 11.9% 降至 11.8%。此外，30 天以上逾期率同比改善了 44 个基点，降至 4.7%，反映出信用表现的提升。</p>
</div><h2>Expense Reduction</h2>
<div class="lb-trans"><h2>成本降低</h2>
</div><p>Operating expenses were reduced by 11% year-over-year to $91 million, marking the second lowest quarterly expense level since the company went public in 2019. This reduction highlights Oportun Financial’s commitment to cost management and operational efficiency.</p>
<div class="lb-trans"><p>运营费用同比减少 11%，降至 9100 万美元，标志着自 2019 年公司上市以来的第二低季度费用水平。这一减少突显了 Oportun Financial 对成本管理和运营效率的承诺。</p>
</div><h2>Enhanced Capital Structure</h2>
<div class="lb-trans"><h2>改善的资本结构</h2>
</div><p>Oportun Financial improved its capital structure by reducing its debt-to-equity ratio to 7.1x from 8.7x the previous year. The company also benefited from new ABS financings at weighted average yields below 6% and expanded warehouse financing capacity.</p>
<div class="lb-trans"><p>Oportun Financial 通过将债务与股本比率从去年的 8.7 降至 7.1，改善了其资本结构。公司还受益于新发行的 ABS 融资，平均收益率低于 6%，并扩大了仓库融资能力。</p>
</div><h2>Growth in Secured Personal Loans</h2>
<div class="lb-trans"><h2>担保个人贷款增长</h2>
</div><p>Secured personal loan originations increased by 22% year-over-year, with the secured portfolio growing 48% year-over-year to $209 million. This growth indicates strong demand and strategic focus in this segment.</p>
<div class="lb-trans"><p>担保个人贷款发放同比增长 22%，担保组合同比增长 48%，达到 2.09 亿美元。这一增长表明该领域的强劲需求和战略重点。</p>
</div><h2>Slightly Lower Originations</h2>
<div class="lb-trans"><h2>略低的贷款发放</h2>
</div><p>While Q3 originations grew 7% year-over-year to $512 million, they were slightly below prior expectations due to credit tightening actions. This reflects a cautious approach in the current economic environment.</p>
<div class="lb-trans"><p>尽管第三季度贷款发放同比增长 7%，达到 5.12 亿美元，但由于信贷收紧措施，略低于之前的预期。这反映出在当前经济环境下的谨慎态度。</p>
</div><h2>Higher Than Expected Delinquency Rate</h2>
<div class="lb-trans"><h2>高于预期的逾期率</h2>
</div><p>The 30-plus day delinquency rate, although improved year-over-year, was at the higher end of internal expectations, indicating ongoing challenges in managing delinquencies.</p>
<div class="lb-trans"><p>尽管 30 天以上逾期率同比改善，但仍处于内部预期的高端，表明在管理逾期方面面临持续挑战。</p>
</div><h2>Temporary Increase in Net Charge-off Rate Expected</h2>
<div class="lb-trans"><h2>预计净违约率暂时上升</h2>
</div><p>Oportun Financial expects a temporary increase in the net charge-off rate, with the full year 2025 annualized net charge-off rate midpoint guidance raised by 20 basis points to 12.1%.</p>
<div class="lb-trans"><p>Oportun Financial 预计净违约率将暂时上升，2025 年全年年化净违约率的中点指导提高了 20 个基点，达到 12.1%。</p>
</div><h2>Forward-Looking Guidance</h2>
<div class="lb-trans"><h2>前瞻性指导</h2>
</div><p>Looking ahead, Oportun Financial provided optimistic guidance, projecting continued strong performance. The company raised its adjusted EPS guidance for 2025 to a range of $1.30 to $1.40 per share, with expectations for continued adjusted EPS growth in 2026. Additionally, operating expenses for the full year 2025 are projected to be approximately $370 million, a $10 million improvement from prior guidance.</p>
<div class="lb-trans"><p>展望未来，Oportun Financial 提供了乐观的指导，预计将继续保持强劲表现。公司将 2025 年的调整后每股收益指导提高至每股 1.30 至 1.40 美元，并预计 2026 年继续增长。此外，预计 2025 年全年的运营费用约为 3.7 亿美元，比之前的指导改善 1000 万美元。</p>
</div><p>In conclusion, Oportun Financial Corp.’s earnings call highlighted a positive outlook with continued profitability and strategic growth initiatives. Despite some challenges in originations and delinquency rates, the company’s effective cost management and improved credit performance provide a solid foundation for future growth.</p>
<div class="lb-trans"><p>总之，Oportun Financial Corp. 的财报电话会议强调了积极的前景，持续盈利和战略增长举措。尽管在贷款发放和逾期率方面面临一些挑战，但公司的有效成本管理和改善的信用表现为未来的增长提供了坚实的基础。</p>
</div>

Oportun Financial 的财报电话会议重点强调了其盈利能力和增长