Oportun Q4 revenue beats estimates

Oportun Financial

26/02/2026 21:17

Overview

Financial services firm reported Q4 revenue beat analyst expectations

Adjusted EPS for Q4 beat analyst expectations

Adjusted net income for Q4 missed analyst expectations

Outlook

Oportun guides full-year 2026 adjusted EPS between $1.50 and $1.65

Company expects 2026 revenue between $935 mln and $955 mln

Oportun projects 2026 adjusted EBITDA between $150 mln and $165 mln

Result Drivers

COST MANAGEMENT - Co reduced operating expenses by 12% in 2025, driven by cost-cutting measures, including lower software and marketing costs

ORIGINATIONS STRATEGY - Co focused on high-quality originations, which helped drive profitability and meet guidance metrics

Company press release: ID:nGNX87fcg9

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q4 Revenue
Beat
$247.7 mln
$243.13 mln (6 Analysts)
Q4 Adjusted EPS
Beat
$0.27
$0.24 (7 Analysts)
Q4 EPS
$0.07
Q4 Adjusted Net Income
Miss
$13 mln
$15.27 mln (3 Analysts)
Q4 Net Income
$3.40 mln
Q4 Adjusted EBITDA
Beat
$42 mln
$35.98 mln (3 Analysts)
Q4 Operating Expenses
$83.8 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 $8.50, about 54.3% above its February 25 closing price of $5.51

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

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