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INVESTOR RELATIONS


INCLUSIVE AND AFFORDABLE FINANCIAL SERVICES FOR ALL

Oportun offers borrowing, saving, banking, and investing services accessible to
anyone at any time through our AI-powered platform. Our mission is to provide
inclusive, affordable financial services that empower our members to build a
better future. Our highly attractive growth is driven by long-term member
relationships and multi-product engagement.

View presentation


LATEST NEWS

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Aug 8, 2023


OPORTUN CLOSES $400 MILLION WHOLE LOAN FLOW SALE AGREEMENT WITH CASTLELAKE, L.P.
TO FUND PERSONAL LOAN PRODUCTION

View press release

Aug 8, 2023


OPORTUN REPORTS STRONG SECOND QUARTER 2023 FINANCIAL RESULTS

View press release

Jul 21, 2023


OPORTUN NAMES KATE LAYTON AS CHIEF LEGAL OFFICER

View press release
View all news


LATEST PRESENTATION

2Q 2023 Earnings Presentation

Aug 8, 2023
View presentation View all presentations


LATEST EVENT

Oportun Financial Second Quarter 2023 Earnings Conference Call

Aug 8, 2023 5:00 pm EDT
View event View all events


LATEST FINANCIAL RESULTS


Q2 2023

Quarter Ended Jun 30, 2023
Earnings release
HTML PDF
Earnings webcast
Audio Transcript
Presentation
PDF
Financial supplement
SPREADSHEET
10-Q Filing
HTML PDF
XBRL
XLS ZIP


LATEST ANNUAL FILING

For fiscal year ending December 31, 2022


REPORT LINKS

ANNUAL REPORT DOCUMENT LINKS

View 10-K


EMAIL ALERTS

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CORPORATE OVERVIEW

Oportun (Nasdaq: OPRT) is an A.I.-powered digital banking platform that seeks to
make financial health effortless for anyone. Driven by a mission to provide
inclusive and affordable financial services, Oportun helps its 1.9 million
hardworking members meet their daily borrowing, savings, banking, and investing
needs. Since inception, Oportun has provided more than $14.7 billion in
responsible and affordable credit, saved its members more than $2.3 billion in
interest and fees, and automatically helped members set aside more than $8.5
billion for rainy days and other needs. In recognition of its responsibly
designed products, Oportun has been certified as a Community Development
Financial Institution (CDFI) since 2009.

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STOCK INFORMATION


OPORTUN FINANCIAL CORPORATION

View detailed stock information

August 11, 2023 4:00 PM EDT


MARKET/SYMBOL

Nasdaq: OPRT


PRICE

$6.68


CHANGE

0.15 (2.30%)


VOLUME

173.77k


DAY RANGE

$6.48 - $6.99


52 WEEK RANGE

$2.1901 - $8.06
View detailed stock information


MOST COMPREHENSIVE SET OF FINANCIAL PRODUCTS

Lending platform combined with savings, banking, and investing products

Borrow

CREDIT CARDS

Save

DIGIT SAVINGS

Bank

DIGIT DIRECT

Save

DIGIT INVESTING

Save

DIGIT RETIREMENT

Borrow

PERSONAL LOANS

Borrow

SECURED PERSONAL LOANS

Borrow

CREDIT CARDS

Save

DIGIT SAVINGS

Bank

DIGIT DIRECT

Save

DIGIT INVESTING

Save

DIGIT RETIREMENT

Borrow

PERSONAL LOANS

Borrow

SECURED PERSONAL LOANS

Borrow

CREDIT CARDS

Save

DIGIT SAVINGS

Bank

DIGIT DIRECT

Save

DIGIT INVESTING

Save

DIGIT RETIREMENT




EXCELLENCE IN BUSINESS, OPERATIONS AND RATINGS

A+ rating by the Better Business Bureau (BBB)

Best consumer lending product by Fintech Breakthrough

CDFI certified by the U.S. Treasury Department


DIVERSITY RESPONSIBILITY SUSTAINABILITY

Our environmental, social and governance priorities support all of our
stakeholders as we continue to provide financial accessibility to all.

View our ESG progress


IR CONTACTS


CORPORATE OFFICE

Oportun Financial Corporation
2 Circle Star Way
San Carlos, CA 94070
United States


INVESTOR RELATIONS

Dorian Hare
Senior Vice President, Investor Relations
T: 650-590-4323
dorian.hare@oportun.com



TRANSFER AGENT

American Stock Transfer & Trust Company (AST Financial)
6201 15th Avenue
Brooklyn, NY 11219
United States
T: 800-937-5449
help@astfinancial.com
https://www.astfinancial.com

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©2023 Oportun Financial Corporation. All Rights Reserved.
Terms of use Accessibility Privacy Privacy settings Report vulnerability Sitemap

View state licenses and notices.
California loans made pursuant to a California Financing Law license.
New Jersey residents: This is an advertisement for a consumer loan.
New Mexico residents: TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY
WRITE OR CALL: Customer Experience – Contact Manager, Oportun, PO Box 4085,
Menlo Park, CA 94026; 888-408-3020; Complaints@oportun.com. This lender is
licensed and regulated by the New Mexico Regulation and Licensing Department,
Financial Institutions Division, PO Box 25101, 2550 Cerrillos Road, Santa Fe,
New Mexico 87504. To report any unresolved problems or complaints, contact the
division by telephone at 505-476-4885 or visit the website.
NMLS #1671904. Click here for the NMLS Consumer Access Database.

Personal loans information

Lender information: Personal loans in CA, ID, MO, NM and WI are originated by
Oportun Inc. NV loans originated by Oportun, LLC. Personal loans in AL, AK, AR,
AZ, DE, FL, GA, HI, IL, IN, KS, KY, LA, MI, MN, MS, MT, NC, ND, NE, NH, NJ, OH,
OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA and WY are originated by
Pathward, N.A..

Product terms: Loans are subject to credit approval. Terms may vary by applicant
and state and are subject to change. While a prior credit history is not
required to qualify, credit reports will be requested and considered for all
applicants. Account payment history is reported to select nationwide credit
bureaus. Prequalification will not impact your credit score with credit
reporting agencies until you submit for final approval. Typical personal loan
amounts are $600 to $6,000 for new customers, $2,100 to $8,000 for returning
customers, and secured personal loan amounts are $5,800 to $17,300, based on
information from previously approved loans which may not represent current
terms.

Pricing information: Loan amounts for unsecured personal loans vary by state:
loans above $6,000 are not available for first-time borrowers; loans below
$3,100 are not available in GA; and loans below $1,600 are not available in HI.
A secured personal loan from $2,525 to $18,500 is only offered by Oportun
through the personal loan application to qualifying customers in CA subject to
certain terms and conditions. For example, an unsecured personal loan of $3,000
would have 52 payments of $81, due every 2 weeks over 24 months, at a 35.95%
APR. For example, a secured personal loan of $7,000 in California would have 91
payments of $134, due every two weeks over 42 months, at 34.95% APR. An
origination fee will apply and is included in the APR.

Credit card information

Lender information: Oportun® Visa® Credit Card is issued by WebBank. The Oportun
Credit Card is open to all consumers, except for residents in CO, DC, IA, MD,
WI, and WV. See the Oportun Cardholder Agreement or the Oportun Cash Back
Cardholder Agreement for details, including applicable fees. 

Product terms: The credit card is subject to credit approval. Terms may vary and
are subject to change. While a prior credit history is not required to qualify,
credit reports will be requested and considered for all applicants. Account
payment history is reported to select nationwide credit bureaus.
Prequalification will not impact your credit score with credit reporting
agencies until you submit for final approval.

Pricing information: Credit card loan amounts range from $330 to $1,000. APRs
are variable and range from 24.90% to 29.90% as of June 2022.

Customer satisfaction based on quarterly survey results from Q1 2023. 9 out of
10 is based on loan members and 4 out of 5 is based on credit card members. 

Google and Trustpilot reviews are solicited from credit customers only. Google
rating is currently based on all Oportun store locations.

Member savings based on average saves of all paying app members in the prior 12
months. Not a guarantee; results will vary based on your income and spending.

Community partners like SpringFour, UnidosUS, and Steady, are not affiliates or
agents of Oportun, Inc. or its affiliates. Community partners are optional
services and are not partner bank services through Pathward, N.A. or WebBank
N.A. Oportun is not responsible for any third-party content and opinions
provided by community partners. 

Oportun is not a bank. Oportun offers the direct deposit account (Direct℠) via
its bank partner Pathward, N.A., Member FDIC. Oportun also offers personal loans
in certain states through its partner Pathward, N.A., and credit cards through
its partner WebBank, N.A. 

True Cost of a Loan: Based on research commissioned by Oportun and conducted by
the Financial Health Network (FHN), the True Cost of a Loan analysis calculates
the expected cost over the life of the loan for nonprime customers and those
with little to no credit history, coupling typical borrower behavior and cash
flow constraints with loan terms. For the national True Cost of a Loan
estimates, FHN analyzed the rates, fees, and terms for payday, installment,
credit card, and rent-to-own products for customers fitting the two different
credit profiles and calculated the total cost of those products for common loan
amounts compared to the cost for those same loan amount from Oportun. FHN
considered the loan repayment structure and time frame for each product,
borrower income, the potential for rollovers and refinancings, and legal
parameters that prevent or constrain borrowing. On a quarterly basis, Oportun
calculates the total amount saved by consumers getting unsecured personal loans
through Oportun, since 2006, in interest and fees compared to the alternative
products. This amount is calculated based on the total figure from the prior
study, with information on first-time personal loan borrowers through Q3 2021,
added to the results using the new nationwide study with new and returning
personal loan borrowers starting Q4 2021. The actual savings for each customer
will vary based on specific loan terms and alternative products available in
your area. 

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