Short answer
Oportun Financial Corp (OPRT) filed its Q3 2025 10-Q quarterly report on Nov 5, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $5M (down 22.3% year over year) with net income of $5M.
Q3 2025 key financials · XBRL
- Revenue
- $5M
- −22.3% YoY · +1.8% QoQ
- Net income
- $5M
- +117.4% YoY · −24.4% QoQ
- EPS (diluted)
- $0.11
- +114.7% YoY · −21.4% QoQ
Source: XBRL data from the Oportun Financial Corp (OPRT) Q3 2025 10-Q on SEC EDGAR. USD.
Oportun Financial Corp Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- New Pathward concentration: amended agreement extends through 2029, while Pathward originated 99% of personal loans in Q3 2025
- Competitive pressure: rivals possess greater capital, technology, networks, brand awareness, and pricing power
- Regulatory compliance: bank-partnership changes could require additional state lending licenses and compliance with state and federal laws
- Funding risk: credit-market disruption could prevent refinancing or force higher borrowing costs and curtailed originations
- Fair-value exposure: loans represented 87% of assets and asset-backed notes 85% of liabilities, with Level 3 loan valuations
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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