Oportun Delivers Strong Fourth Quarter, Increases Net Income by $104 Million in Full Year 2025 Oportun (Nasdaq: OPRT) reported strong 4Q25 and full-year 2025 results, achieving its fifth consecutive quarter of GAAP profitability and meeting or outperforming guidance.Full year metrics: GAAP net income rose by $104 million to $25 million, GAAP EPS $0.53, Adjusted EPS $1.36 (up 89%), and Adjusted EBITDA $148 million. Total revenue was $957 million. Company guided 2026 Adjusted EPS to $1.50–$1.65.

#OPRT Oportun Delivers Strong Fourth Quarter, Increases Net Income by $104 Million in Full Year 2025

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Oportun Announces CEO Succession Plan Oportun (Nasdaq: OPRT) announced that CEO Raul Vazquez will step down as CEO and Board member no later than April 3, 2026 and will serve as advisor through July 3, 2026 while the Board conducts a CEO search with an executive search firm. The company also provided preliminary unaudited 4Q25 and FY25 results, reporting 4Q25 revenue $246–$248M, FY25 revenue $955–$957M, FY25 net income $23–$25M, FY25 adjusted EBITDA $146–$148M, and annualized net charge-off rates ~12%. Oportun expects final results in mid-February 2026.

#OPRT Oportun Announces CEO Succession Plan

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MULTIMEDIA UPDATE - Holiday Savings Surge: Oportun Reports $6.5 Million Saved for 2025, Up 30% From 2024 Oportun (Nasdaq: OPRT) released its 2025 Holiday Savings Report showing members have saved $6.5 million year-to-date, a 30% increase versus 2024. The report covers January–September 2025 and highlights average member holiday savings of $1,051, stronger Q3 catch-up savings of $431 (Q3 vs prior year +10%), and $148 saved in the first 30 days after account creation.Top saver states were Kansas, Washington, and Colorado (each >$1,200 average). Members withdrew an average of $605 in Q3. Deadline-driven goals rose >20% year-start versus year-end over the last two years.

#OPRT MULTIMEDIA UPDATE - Holiday Savings Surge: Oportun Reports $6.5 Million Saved for 2025, Up 30% From 2024

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Holiday Savings Surge: Oportun Reports $6.5 Million Saved for 2025, Up 30% From 2024 Oportun (Nasdaq: OPRT) today shared results from its

#OPRT Holiday Savings Surge: Oportun Reports $6.5 Million Saved for 2025, Up 30% From 2024

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Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance Meets or exceeds all third quarter guidance metrics GAAP Net income of $5.2 million reflects $35 million year-over-year improvement GAAP EPS of $0.11 , up $0.86 versus prior-year period Adjusted EPS of $0.39 , up sharply versus $0.02 in 3Q24 Operating expenses reduced 11% year-over-year, supporting

#OPRT Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance

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Oportun Completes $441 Million Asset Backed Securitization Oportun (Nasdaq: OPRT) issued $441 million of two-year revolving fixed-rate asset-backed notes secured by a pool of unsecured and secured installment loans on October 20, 2025. The offering included five classes (A–E) with Fitch ratings of AAA, AA-, A-, BBB-, and BB- respectively.The transaction carried a weighted average coupon of 5.69% and a weighted average yield of 5.77%; class coupons ranged from 4.53% (Class A) to 10.82% (Class E). Notes were offered under Rule 144A.

#OPRT Oportun Completes $441 Million Asset Backed Securitization

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Oportun Adds Additional Warehouse Capacity, Reduces Warehouse Financing Costs and Pays Down Additional Higher Cost Corporate Debt Oportun (Nasdaq: OPRT) announced changes to its debt capital structure on October 14, 2025 that expand committed warehouse capacity, extend facility tenor and reduce higher-cost corporate debt.Key actions include closing a $247 million three-year revolving warehouse with Citizens Financial Group and Community Investment Management; a 12-month extension of an existing Goldman Sachs/Jefferies warehouse; increasing committed warehouse capacity from $954 million to $1.14 billion; raising the weighted average remaining term from 17 to 25 months; and repaying $17.5 million in October for a total $50 million corporate debt paydown since October 2024, reducing that facility from $235 million to $185 million.

#OPRT Oportun Adds Additional Warehouse Capacity, Reduces Warehouse Financing Costs and Pays Down Additional Higher Cost Corporate Debt

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Oportun Completes $538 Million Asset Backed Securitization Oportun (Nasdaq: OPRT) has successfully completed a $538 million asset-backed securitization backed by unsecured and secured installment loans. The two-year revolving fixed rate notes were issued in five classes, with the Class A notes receiving a AAA rating from Fitch. The transaction achieved a weighted average yield of 5.294%, marking a 38 basis points improvement from their June financing.The offering featured coupon rates ranging from 4.49% for Class A notes to 9.20% for Class E notes. Additionally, Oportun has proactively paid down $10 million of higher-cost corporate debt, reducing their October 2024 corporate financing facility balance to $212.5 million from the initial $235 million.

#OPRT Oportun Completes $538 Million Asset Backed Securitization

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Oportun Enters Cooperation Agreement with Findell Capital Oportun Financial Corporation (Nasdaq: OPRT), a mission-driven financial services company, has reached a multi-year cooperation agreement with Findell Capital Management LLC to resolve a contested director election. As part of the agreement, Warren Wilcox will join Oportun's Board of Directors as a Class III director after the 2025 Annual Meeting, with his term expiring in 2028.The agreement includes Findell's commitment to support Oportun's nominees, CEO Raul Vazquez and Carlos Minetti, at the 2025 Annual Meeting. Following Wilcox's appointment, the Board will consist of nine directors, with one incumbent director set to retire by the 2026 Annual Meeting. The agreement includes standard standstill and voting provisions, extending until 15 days before the 2028 Annual Meeting nomination deadline.

#OPRT Oportun Enters Cooperation Agreement with Findell Capital

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Oportun Issues Letter Urging Stockholders to Vote for Director Nominees Raul Vazquez and Carlos Minetti Oportun (Nasdaq: OPRT) has issued a letter to stockholders urging them to vote "FOR" CEO Raul Vazquez and Carlos Minetti as director nominees at the upcoming July 18, 2025 annual meeting. The company highlights its significant progress since the last annual meeting, including a doubled stock price and improved financial performance.The letter addresses opposition from Findell Capital Management, which seeks to replace Vazquez with Warren Wilcox. The board criticizes Findell for selling 500,000 shares in 2025 while publicly claiming the stock is undervalued. The company questions Wilcox's qualifications, citing inconsistencies in his background check, and emphasizes that removing Vazquez could disrupt the company's positive momentum.

#OPRT Oportun Issues Letter Urging Stockholders to Vote for Director Nominees Raul Vazquez and Carlos Minetti

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Oportun #OPRT Faces Pivotal Governance Shift as ISS Backs Findell

Oportun Financial has reached a pivotal moment in its governance journey as ISS, the leading independent proxy advisory firm, has endorsed Findell Capital’s campaign for board change.

Findell Reports ISS Recommends Oportun Stockholders Vote FOR Findell Nominee Warren Wilcox and WITHHOLD on Long-Tenured CEO Raul Vazquez at Annual Meeting Oportun Financial Corporation (NASDAQ: OPRT) received a significant recommendation from Institutional Shareholder Services (ISS) regarding its upcoming 2025 Annual Meeting. ISS has recommended stockholders vote FOR Warren Wilcox, Findell Capital's nominee to the Board of Directors, and WITHHOLD votes for CEO Raul Vazquez.The recommendation comes amid concerns over Oportun's performance, with the stock price declining approximately 55% since its 2019 IPO. ISS criticized the company's 2021 strategic shift, poor corporate governance structure, and board composition issues. The proxy advisory firm highlighted the benefits of electing Wilcox, citing his consumer lending and public board experience, while noting that removing Vazquez's board position would benefit shareholders.

#OPRT Findell Reports ISS Recommends Oportun Stockholders Vote FOR Findell Nominee Warren Wilcox and WITHHOLD on Long-Tenured CEO Raul Vazquez at Annual Meeting

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Oportun Faces Off With Findell Capital: Board Shake-up Reveals Growing Tension in Leadership Battle Latest board restructuring removes two CFO directors while Oportun attempts negotiations with activist Findell Capital. See how this governance shift impacts leadership.

#OPRT Oportun Responds to Comments by Findell Capital

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Findell Capital Reiterates Desire for Compromise at Oportun Financial and Issues Statement on Behalf of Scott Parker Findell Capital Partners, a major stockholder of Oportun Financial Corporation (NASDAQ: OPRT), has issued a statement reiterating its desire for a compromise with the company. Findell advocates for the addition of Warren Wilcox to Oportun's Board of Directors and supports the continued service of Scott Parker, a former independent director with public company CFO and consumer lending executive experience.Findell expressed concern over the company spending millions in stockholder capital to oppose one of its largest owners and emphasized its willingness to engage in discussions that would benefit all stockholders. Scott Parker separately stated his willingness to continue serving as a board member, citing his experience and industry knowledge as valuable assets for enhancing shareholder value through board oversight.

#OPRT Findell Capital Reiterates Desire for Compromise at Oportun Financial and Issues Statement on Behalf of Scott Parker

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Findell Capital Issues Rebuttal Presentation on Oportun Financial and Notes Support of Oportun Founder and Former CEO James Gutierrez Highlights the Support of Oportun Founder and Former CEO James Gutierrez, who Wrote that Findell Has "Offered a Smart, Focused Plan to Restore Value". Outlines How the Company Forced a Costly Proxy Contest by Refusing to Fill Board Leadership Positions with Independent Directors Who Possess Lending Industry Experience and by Ousting Former OneMain...

#OPRT Findell Capital Issues Rebuttal Presentation on Oportun Financial and Notes Support of Oportun Founder and Former CEO James Gutierrez

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Oportun Issues Letter to Stockholders Detailing CEO Raul Vazquez’s Record of Proven Leadership Oportun (OPRT) issued a letter to stockholders defending CEO Raul Vazquez's leadership ahead of the July 18, 2025 Annual Meeting, where stockholder Findell Capital Management seeks to remove him from the Board. The letter highlights Vazquez's extensive experience, including his 9-year tenure at Walmart where he managed a $60B division and led Walmart.com's growth. Since joining Oportun in 2012, Vazquez transformed the company from a small regional lender to a national, digitally-driven company, growing its loan portfolio from $100M to $3B. Under his leadership, Oportun expanded from 2 to 41 states and improved financial performance in 2024 with growth in originations and better credit metrics. The Board unanimously supports Vazquez's reelection, arguing that replacing him with Findell's candidate Warren Wilcox would jeopardize the company's momentum.

#OPRT Oportun Issues Letter to Stockholders Detailing CEO Raul Vazquez’s Record of Proven Leadership

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On June 16, 2025, Findell Capital urged shareholders to support Warren Wilcox for Oportun Financial Corporation #OPRT ’s board, citing $1.5B in value destruction and poor performance under former CEO Raul Vazquez.

Findell Capital Reiterates Commitment to Reaching a Good Faith Settlement at Oportun Financial Findell Capital Partners, a major stockholder of Oportun Financial (NASDAQ: OPRT), has expressed frustration with the company's board resistance to settlement discussions and value creation initiatives. The firm criticizes Oportun for spending significant stockholder money to resist board changes and prevent lending experts from taking leadership positions. Findell specifically points to the controversial removal of former OneMain CFO Scott Parker from the board, which they view as an entrenchment tactic. This criticism comes after CEO Raul Vazquez cited OneMain Financial as a model operator, particularly noting their 50% secured lending portfolio as a target for Oportun. Findell continues to push for corporate governance improvements and urges stockholders to vote for Warren Wilcox using the WHITE proxy card.

#OPRT Findell Capital Reiterates Commitment to Reaching a Good Faith Settlement at Oportun Financial

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Findell Capital Releases Presentation on Oportun Financial Findell Capital Partners, a major stockholder of Oportun Financial (NASDAQ: OPRT), released an investor presentation criticizing the company's Board and management. The presentation highlights CEO Raul Vazquez's leadership failures, resulting in nearly $1.5 billion in stockholder capital destruction and a 76% stock price decline from September 2019 to March 2023. Key issues include increased cost per loan, high net charge-offs, and the questionable $211 million Hello Digit acquisition. Findell notes that after appointing two of their identified directors, the company saw a 61% reduction in OpEx per loan and 206% total stockholder return. The firm proposes removing the 36% interest rate cap and targeting pre-tax ROA of 8-10%, suggesting potential share value of $22 with reduced operating expenses of $325 million by 2026.

#OPRT Findell Capital Releases Presentation on Oportun Financial

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Findell Capital Provides Facts in Response to Oportun's Misleading Narrative Findell Capital Partners, a 7.4% stakeholder in Oportun Financial (OPRT), issued a response letter challenging Oportun's recent statements about its operational improvements. Findell disputes management's claims about proactive cost-cutting, highlighting that operating expenses quadrupled from $162M in 2016 to over $600M in 2022. The firm criticizes Oportun's initial $38M cost reduction plan as insufficient, noting they had advocated for at least $150M in cuts. Findell attributes recent operational improvements, including a 61% reduction in OpEx per loan, to their advocacy and their identified director appointments (Scott Parker and Richard Tambor). The activist investor is now seeking to elect Warren Wilcox to the board at the July 18, 2025 Annual Meeting, aiming to strengthen independent oversight and reduce control by long-tenured directors who have overseen a 55-72% decline in shareholder value.

#OPRT Findell Capital Provides Facts in Response to Oportun's Misleading Narrative

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Oportun Board Fight Heats Up: $240M in Savings and Profitability Spark Leadership Showdown Lead Director defends $240M cost-cutting plan and return to profitability. Board urges stockholders to back CEO amid proxy contest. See crucial voting details.

#OPRT Oportun Lead Independent Director Neil Williams Issues Letter to Stockholders

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Oportun Lands Historic AAA Rating in $439M Deal, Slashes Financing Costs by 128 Basis Points First-ever AAA rating highlights Oportun's credit strength. New $439M securitization delivers 128bps yield improvement versus January deal. See detailed financing terms.

#OPRT Oportun Completes $439 Million Asset Backed Securitization

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Findell Capital Management Spotlights Why Ginny Lee Should Not be Appointed Oportun's Next Lead Independent Director Findell Capital Partners criticizes Oportun Financial Corporation's (NASDAQ: OPRT) board leadership, particularly focusing on Ginny Lee's potential appointment as lead independent director. The activist investor condemns the board's decision to remove Scott Parker, a director who helped achieve a +190% TSR during his tenure. Findell highlights concerns about legacy board members' qualifications, noting their lack of lending experience and poor performance oversight, with TSR declines ranging from -58% to -75%. The firm specifically questions Ms. Lee's competence, citing her limited understanding of lending operations and previous professional connection to CEO Raul Vazquez at Intuit. Findell urges shareholders to vote for their nominee Warren Wilcox and against Vazquez at the 2025 Annual Meeting, while advocating for Parker's reinstatement.

#OPRT Findell Capital Management Spotlights Why Ginny Lee Should Not be Appointed Oportun's Next Lead Independent Director

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FINDELL CAPITAL MANAGEMENT URGES OPORTUN STOCKHOLDERS TO VOTE THE WHITE PROXY CARD TO ELECT AN INDEPENDENT CONSUMER FINANCIAL SERVICES EXPERT TO THE BOARD Findell Capital Management, a major stockholder of Oportun Financial Corporation (NASDAQ: OPRT), has issued a letter urging shareholders to vote using the WHITE proxy card at the upcoming Annual Meeting. The activist investor is pushing for three key changes: 1) the election of Warren Wilcox, an experienced financial services executive, to the board; 2) the re-election of Carlos Minetti, a newly appointed independent director; and 3) the removal of CEO Raul Vazquez from the board. Findell argues that Vazquez's leadership has been value-destructive and warns that due to the board's classified structure, this may be the last opportunity until 2028 to remove him from the board. The firm emphasizes that shareholders who previously voted on the company's proxy card can still change their vote using the WHITE proxy card.

#OPRT FINDELL CAPITAL MANAGEMENT URGES OPORTUN STOCKHOLDERS TO VOTE THE WHITE PROXY CARD TO ELECT AN INDEPENDENT CONSUMER FINANCIAL SERVICES EXPERT TO THE BOARD

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Oportun CEO Battle: 40% Growth and 81% EPS Jump Spark Heated Proxy Fight Latest financial results show 40% originations growth and 81% projected EPS increase as activist investor challenges CEO board position. See full proxy details.

#OPRT Oportun Issues Letter to Stockholders and Mails Definitive Proxy Materials

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Oportun Reports First Quarter 2025 Financial Results Oportun Financial (NASDAQ: OPRT) reported strong Q1 2025 results, marking its second consecutive quarter of GAAP profitability. The company achieved GAAP net income of $9.8 million, a $36 million improvement year-over-year, with GAAP EPS of $0.21 and Adjusted EPS of $0.40. Total revenue was $236 million, with aggregate originations reaching $469 million, up 39% year-over-year. Operating expenses decreased 15% to $93 million. Credit performance showed improvement with 30+ day delinquencies at 4.7% and net charge-off rate at 12.2%. The company maintains its full year 2025 Adjusted EPS guidance of $1.10-$1.30 but moderates loan originations growth expectations to approximately 10%. Secured personal loans showed strong performance with a $178 million receivables balance.

#OPRT Oportun Reports First Quarter 2025 Financial Results

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FINDELL CAPITAL MANAGEMENT RESPONDS TO OPORTUN'S REACTIONARY AND DEFENSIVE REDUCTION OF BOARD SIZE Findell Capital Management, Oportun Financial's (NASDAQ: OPRT) largest stockholder, has criticized the company's decision to reduce its Board size from 10 to 8 members. The key controversy centers around the decision not to renominate Scott Parker, a highly qualified director with valuable CFO experience. Findell is actively seeking to replace CEO Raul Vazquez with Warren Wilcox, an experienced lending executive, at the 2025 Annual Meeting. Brian Finn, Findell's Founder and CIO, views the board reduction as an attempt by legacy directors to maintain control and prevent accountability. Findell, which owns 2,131,000 shares directly through Findell Partners and 1,310,300 shares through managed accounts, has launched a proxy campaign at www.OpportunityAtOportun.com, urging stockholders to vote on the WHITE proxy card for Wilcox.

#OPRT FINDELL CAPITAL MANAGEMENT RESPONDS TO OPORTUN'S REACTIONARY AND DEFENSIVE REDUCTION OF BOARD SIZE

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Oportun Announces Continued Board Evolution Oportun (OPRT) announced changes to its Board of Directors, with Carlos Minetti and Raul Vazquez nominated for election at the 2025 Annual Meeting. Current board members Scott Parker and R. Neil Williams will not seek reelection, resulting in a reduction of the board size from ten to eight members. This restructuring means three of the seven independent directors will have joined within 18 months of the Annual Meeting. The board will select a new Lead Independent Director following Williams' departure. The changes align with industry benchmarks and corporate governance practices, aiming for a more conventional and efficient board structure while maintaining diversity of experience and expertise.

#OPRT Oportun Announces Continued Board Evolution

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FINDELL CAPITAL PARTNERS DELIVERS LETTER TO OPORTUN STOCKHOLDERS AHEAD OF 2025 ANNUAL MEETING Findell Capital Management, owning 9.5% of Oportun Financial Corporation (NASDAQ: OPRT), has issued a letter to stockholders ahead of the 2025 Annual Meeting. The activist investor is nominating Warren Wilcox, an independent director with extensive consumer finance experience, to challenge the company's current board structure. Findell criticizes CEO Raul Vazquez and the legacy board for value destruction, citing a 72.67% stock decline since IPO and a 40% shareholder dilution. The investor highlights operational inefficiencies, including a 109% increase in operating expenses per loan from 2019-2023, and the questionable $211 million Hello Digit acquisition. Despite some improvements following the 2024 appointment of directors Scott Parker and Richard Tambor, Findell argues that further board changes are needed to improve governance and refocus on core lending operations.

#OPRT FINDELL CAPITAL PARTNERS DELIVERS LETTER TO OPORTUN STOCKHOLDERS AHEAD OF 2025 ANNUAL MEETING

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Activist Investor Challenges Oportun Board Following Recent Improvements Findell Capital nominates two directors despite Oportun's improved credit metrics and recent board refresh. See management's strategic response and future implications.

#OPRT Oportun Comments on Director Nominations

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