Oportun Financial Corporation reported its second quarter 2025 financial results on August 6, 2025, marking its third consecutive quarter of GAAP profitability with a net income of $6.9 million, a $38 million year-over-year improvement. GAAP EPS was $0.14, up $0.92 year-over-year.
Adjusted EPS for the quarter reached $0.31, an increase of 288% versus the prior-year quarter, driven by significant expense reductions and improved credit performance. Operating expenses decreased 13% year-over-year to $94 million, and the annualized net charge-off rate improved to 11.9% from 12.3% in the prior-year quarter.
Oportun raised its full-year 2025 Adjusted EPS guidance by 8% at the midpoint, now targeting $1.20 to $1.40 per share, representing 67% to 94% growth over last year. The company also lowered the high-end of its total revenue guidance to $945 million to $960 million and expects full-year GAAP operating expenses of approximately $380 million, a $10 million reduction from its prior expectation.
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