Oportun Financial (OPRT) Investor presentation summary

Business overview and customer value

• Provides affordable credit and savings solutions for individuals with modest incomes and limited savings, focusing on underserved and thin-file borrowers.

• Offers unsecured and secured personal loans, as well as an award-winning A.I.-driven savings product.

• Originated over 8 million loans and extended $21.8 billion in credit since 2005, helping 1.3 million members build credit histories.

• Set & Save members have accumulated over $12.5 billion in savings since 2015, averaging $1,800 per member per year.

• Multi-channel origination and servicing, with 78% of applicants using digital channels and 90% of payments made via debit or ACH.

Strategic priorities and credit performance

• Increased returning member originations to 74% in 2H25 and improved credit outcomes using new predictive models.

• FY25 Adjusted ROE rose to 17.5%, with risk-adjusted net interest margin ratio at 15.8% and adjusted OpEx ratio at 12.7%.

• FY25 originations grew 10%, with referral-driven originations up 59% and secured personal loan portfolio up 39%.

• Maintains disciplined credit stance: 100% income verified, median gross income ~$56K, average Vantage score at origination 661.

• 4Q25 annualized net charge-off rate was 12.3%, at the low end of guidance, with 30+ day delinquency rate at 4.9%.

Financial performance and outlook

• FY25 total revenue was $957M, adjusted EBITDA $148M (up 42%), adjusted net income $65M, and GAAP net income $25M.

• FY25 adjusted EPS was $1.36 (up 89%), with stockholders' equity up 10% and leverage reduced from 7.9x to 7.2x.

• FY25 cost discipline: OpEx down 12%, interest expense down 3%, and unrestricted cash up 76%.

• FY26 guidance: total revenue $935–$955M, adjusted EBITDA $150–$165M, adjusted net income $74–$82M, adjusted EPS $1.50–$1.65.

• Expects further GAAP profitability growth, improved ROE, lower interest expense, and additional deleveraging in FY26.