Brief: Oportun Financial Q2 Adjusted EPS USD 0.31 Vs. IBES Estimate USD 0.23

Oportun Financial

06/08/2025 21:05

Overview

Oportun Q2 revenue falls 6% to $234 mln, missing analyst expectations,  per LSEG data

Adjusted EPS rises 288% to $0.31, beating analyst estimates, per LSEG data

Co raises full year 2025 adjusted EPS guidance by 8% at midpoint

Outlook

Oportun expects full-year 2025 revenue of $945 mln to $960 mln

Company raises full-year 2025 Adjusted EPS guidance to $1.20-$1.40

Oportun anticipates 3Q 2025 revenue of $237 mln to $242 mln

Company sees full-year 2025 Net Charge-Off Rate at 11.9% +/- 30 bps

Result Drivers

COST REDUCTION - Operating expenses decreased by 13% year-over-year due to cost reduction initiatives

CREDIT PERFORMANCE - Improved credit performance with lower net charge-offs and delinquency rates contributed to profitability

REVENUE DECLINE - Total revenue fell 6% primarily due to the sale of the credit cards receivable portfolio and lower portfolio yield

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q2 Revenue
Miss
$234.30 mln
$240 mln (7 Analysts)
Q2 Adjusted EPS
Beat
$0.31
$0.23 (8 Analysts)
Q2 EPS
$0.14
Q2 Net Income
$6.90 mln
Q2 Adjusted EBITDA
Miss
$31 mln
$32.70 mln (4 Analysts)
Q2 Operating Expenses
$94.40 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 4 "strong buy" or "buy", 3 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the consumer lending peer group is "buy"

Wall Street's median 12-month price target for Oportun Financial Corp is $10.00, about 36.7% above its August 5 closing price of $6.33

The stock recently traded at 4 times the next 12-month earnings vs. a P/E of 4 three months ago

Press Release: ID:nGNX4QhclN

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)