Oportun Financial's Q3 adjusted EPS beats estimates

Oportun Financial

04/11/2025 21:56

Overview

Oportun Q3 adjusted EPS beat analyst expectations

Net income for Q3 rises by $35 mln yr/yr

Operating expenses decreased 11% yr/yr, supporting margin expansion

Outlook

Oportun expects full-year 2025 revenue between $950 mln and $955 mln

Company raises full-year adjusted EPS guidance to $1.30 - $1.40

Annualized net charge-off rate expected at 12.1% +/- 10 bps for 2025

Result Drivers

OPERATING EXPENSES - Co reduced operating expenses by 11% yr/yr, aiding margin expansion

CAPITAL STRUCTURE - Co strengthened capital structure with ABS financings and expanded warehouse capacity

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

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q3 Revenue
Beat
$238.70 mln
$238.52 mln (6 Analysts)
Q3 Adjusted EPS
Beat
$0.39
$0.26 (8 Analysts)
Q3 EPS
$0.11
Q3 Net Income
$5.20 mln
Q3 Adjusted EBITDA
Beat
$41 mln
$36.60 mln (3 Analysts)
Q3 Operating Expenses
$90.80 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 4 "strong buy" or "buy", 2 "hold" and 1 "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 $9.50, about 43.6% above its November 3 closing price of $5.36

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

Press Release: ID:nGNX9gpWpP

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(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.)