OPRT at a glance
Oportun Financial Corp (OPRT, SEC CIK 1538716) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 11, 2026 and Form 4 insider filings as recently as September 14, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Oportun Financial Corp (OPRT) reported revenue of $19.5 million (down 14.1% from FY2024) and net income of $25.2 million. Diluted EPS was $0.53.
- As of June 30, 2026, 25 institutional investment managers tracked by SignalX reported holding Oportun Financial Corp (OPRT) shares worth $78.5 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Schueller Joseph Andrew on September 11, 2026 of 28 shares at $7.80 per share.
- In the last 90 days, OPRT insiders reported 0 open-market purchases ($0) and 3 open-market sales ($55K) on Form 4, a net sale of $55K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $19.5M
- −14.1% vs prior year
- Insiders · 90 days
- 0 buys · 3 sells
- Net −$55K
- 13F holders
- 25 funds
- $78.5M · +1 vs prior quarter
- Latest 8-K
- Sep 11, 2026
- Item 8.01 · Item 5.02
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Revenue $233.2M, down 0.5% YoY from $234.3M
- Net income $8.5M vs $6.9M YoY; effective tax rate 45.4% vs 32.0%
- Aggregate originations $487.7M, up 1.5% YoY; portfolio yield 33.3% vs 32.8%
- Credit tightening amid macroeconomic and geopolitical pressure; 2026 operating expenses expected substantially flat versus 2025
Risk Factors
- Newly triggered tariff risk: significant new U.S. tariffs and retaliatory measures created market instability and may weaken borrower repayment capacity
- Most materially updated funding risk: Pathward originated approximately 99% of personal loans in Q2 2026 versus 97% in Q2 2025
- Regulatory risk: bank-partnership products may increase compliance obligations and expose Oportun to regulatory actions, penalties, and remediation costs
- Near-term competitive risk: larger competitors possess greater access to low-cost capital, pricing power, technology, and marketing resources
- Financial risk: loans receivable at fair value represented 87% of total assets, relying on Level 3 valuation inputs
AI summary of the OPRT 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 8.01: Other Events
- Franklin appointed Chief Financial Officer effective September 8, 2026
- CFO transition creates potential implications for financial reporting, capital strategy, and investor communications
Item 5.02: Departure/Appointment of Directors or Principal Officers
- William Franklin appointed CFO and principal financial officer effective September 8, 2026, bringing Discover consumer-banking finance leadership experience
- Annual base salary $500,000 with 2026 target bonus equal to 75% of base salary, prorated for employment duration
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Expanded severance policy covers CEO Douglas Bland and designated Senior Vice President-level executives
- Non-change-in-control termination benefits: CEO 18 months, Tier I 12 months, Tier II nine months’ salary and COBRA
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Board expanded from 7 to 8 directors with Scott Scheirman appointed as a Class I director through the 2027 annual meeting
- Scheirman named Audit & Risk Committee chair and Compensation & Leadership Committee member
Item 5.07: Submission of Matters to a Vote of Security Holders
- 38,350,851 shares represented at meeting, equal to approximately 83.55% voting power
- Mohit Daswani elected Class I director through 2027 annual meeting, with 25,492,255 votes FOR
AI summaries of OPRT 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for OPRT
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Schueller Joseph Andrew | Sell | Sep 11, 2026 | 28 | $7.80 |
| Rowles Sean A | A | Sep 10, 2026 | 127,551 | - |
| Schueller Joseph Andrew | Sell | Sep 10, 2026 | 2,831 | $7.80 |
| Layton Kathleen I. | Sell | Sep 10, 2026 | 4,223 | $7.80 |
| Rowles Sean A | A | Sep 10, 2026 | 382,653 | - |
| Scheirman Scott | A | Aug 19, 2026 | 20,869 | - |
| Tambor Richard N. | A | Aug 11, 2026 | 20,869 | - |
| Miramontes Louis | A | Aug 11, 2026 | 25,042 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 | |
|---|---|---|---|---|
| Profitability | ||||
| Revenue | $25.6M | $22.7M | $19.5M | |
| Net Income | -$180.0M | -$78.7M | $25.2M | |
| Net Margin | -703.8% | -347.1% | 129.7% | |
| Balance Sheet | ||||
| Total Assets | $3.4B | $3.2B | $3.3B | |
| Equity | $404.4M | $353.8M | $390.1M | |
| ROE | -44.5% | -22.2% | 6.5% | |
| Per Share | ||||
| EPS | $-4.88 | $-1.95 | $0.53 | |
| Cash Flow | ||||
| Operating CF | $392.8M | $393.5M | $413.4M | |
Source: XBRL data in Oportun Financial Corp (OPRT)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate OPRT share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 25 | $78.5M |
| Q1 2026 | 24 | $61.6M |
| Q4 2025 | 24 | $64.3M |
| Q3 2025 | 24 | $68.9M |
| Q2 2025 | 21 | $71.4M |
| Q1 2025 | 16 | $38.8M |
| Q4 2024 | 14 | $18.3M |
| Q3 2024 | 12 | $8.7M |
- Goldman Sachs Group+467.8K (+57%)
- Citadel Advisors LLC+394.7K (+323%)
- Dimensional Fund Advisors+300.1K (+22%)
- BlackRock+292.6K (+10%)
- Vanguard Capital Management LLC+113.5K (+7%)
- Millennium Management−1.31M (-58%)
- Renaissance Technologies LLC−48.9K (-49%)
- Morgan Stanley−36.7K (-29%)
- Bank of America Corp−19.8K (-12%)
- Prudential Financial−9.7K (-12%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 160 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
OPRT filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 4 | Sep 14, 2026 | - | - | - |
| 8-K | Sep 11, 2026 | - | Analysis | - |
| 8-K | Aug 25, 2026 | - | Analysis | - |
| 4 | Aug 20, 2026 | - | - | - |
| 8-K | Aug 14, 2026 | - | Analysis | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 10-Q | Aug 6, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 5, 2026 | - | Analysis | - |
| 8-K | Jul 7, 2026 | - | Analysis | - |
| 4 | Jun 29, 2026 | - | - | - |
| 8-K | Jun 24, 2026 | - | Analysis | - |
| 8-K | Jun 18, 2026 | - | Analysis | - |
| 4 | Jun 11, 2026 | - | - | - |
| 10-Q | May 8, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 7, 2026 | - | Analysis | |
| 8-K | Apr 17, 2026 | - | Analysis | - |
| 8-K | Apr 2, 2026 | - | Analysis | - |
| SC 13G | Mar 18, 2026 | - | - |
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OPRT SEC filings: frequently asked questions
Are OPRT insiders buying or selling?
In the last 90 days, Oportun Financial Corp (OPRT) officers, directors and 10% owners reported no open-market purchases and 3 open-market sales worth $55,240 by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold OPRT stock?
As of June 30, 2026, the largest Oportun Financial Corp (OPRT) holders among the 13F filers tracked by SignalX were BlackRock ($19.2 million), Vanguard Capital Management LLC ($9.9 million), Dimensional Fund Advisors ($9.5 million), Goldman Sachs Group ($7.3 million), Two Sigma Investments ($5.5 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was OPRT's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Oportun Financial Corp (OPRT) reported revenue of $19.5 million (down 14.1% from FY2024) and net income of $25.2 million. Diluted EPS was $0.53. The figures come from the XBRL data in the 10-K.
What did OPRT report in its latest 8-K?
Oportun Financial Corp (OPRT) filed an 8-K on September 11, 2026 reporting Item 8.01 (Other Events) and Item 5.02 (Departure/Appointment of Directors or Principal Officers). Franklin appointed Chief Financial Officer effective September 8, 2026.
What are the latest OPRT SEC filings?
Oportun Financial Corp (OPRT) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 6, 2026, an 8-K current report on September 11, 2026 and a Form 4 insider filing on September 14, 2026.
What is OPRT's SEC CIK number?
Oportun Financial Corp (OPRT)'s SEC Central Index Key (CIK) is 1538716. EDGAR lists every OPRT filing under that number.
Ask anything about OPRT
The research agent reads OPRT's filings, financials, insider trades and 13F holders, then answers with sources.