Short answer
Oportun Financial Corp (OPRT) filed its Q2 2026 10-Q quarterly report on Aug 6, 2026 for the quarter ended Jun 30, 2026. Quarterly revenue was $5M (up 6.7% year over year) with net income of $9M.
Q2 2026 key financials · XBRL
- Revenue
- $5M
- +6.7% YoY · +13.4% QoQ
- Net income
- $9M
- +24.1% YoY · +264.0% QoQ
- EPS (diluted)
- $0.17
- +21.4% YoY · +240.0% QoQ
Source: XBRL data from the Oportun Financial Corp (OPRT) Q2 2026 10-Q on SEC EDGAR. USD.
Oportun Financial Corp Q2 2026 10-Q analysis
AI summary of MD&A and risk factor updates
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
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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