Latest Earnings Results: Q3 '26
Estimated EPS
$0.46
Reported EPS
$0.51
Surprise
+10.87%
Estimated Rev
$237.87M
Reported Rev
$246.3M
Surprise
+3.55%
• Reported GAAP EPS of $0.51 up 30.77% YoY • Reported revenue of $246.2M up 3.15% YoY • Oportun raised FY 2026 outlook to total revenue of $955M, and Adjusted EPS of $1.60 to $1.70; Annualized Net Charge-Off Rate is 11.6% plus or minus 10 basis points.
Bullish Takeaway
Oportun originations rose 12%, with returning unsecured members and secured personal loans up a combined 25%; charge-off and delinquency rates fell, and Oportun Forward targets simpler core operations and improving qualified-applicant offers.
Bearish Takeaway
Oportun raised operating-expense expectations to a low-single-digit increase after adjusted expenses rose 9%; an unfavorable loan-portfolio fair-value change partly offset Adjusted Net Income gains, and Oportun identifies AI-model effectiveness and competition as risks.
Generated by Stocktwits using AI and company-reported earnings data for Q3 '26. This recap is intended to help readers understand the quarter quickly. Verify key figures in the linked source materials; the summary may contain errors and is not investment advice.
Historical Earnings
Quarterly
Annual
EPS
Revenue
| Fiscal Period | Estimated | Reported | Surprise | Result |
|---|---|---|---|---|
Q4 '26 | $0.52 | -- | -- | N/A |
Q3 '26 | $0.46 | $0.51 | 10.87% | BEAT |
Q2 '26 | $0.40 | $0.42 | 4.13% | BEAT |
Q1 '26 | $0.20 | $0.21 | 4.22% | BEAT |
Q4 '25 | $0.26 | $0.27 | 2.94% | BEAT |