We use cookies to understand how you use our site and to improve your experience.
This includes personalizing content and advertising.
By pressing "Accept All" or closing out of this banner, you consent to the use of all cookies and similar technologies and the sharing of information they collect with third parties.
You can reject marketing cookies by pressing "Deny Optional," but we still use essential, performance, and functional cookies.
In addition, whether you "Accept All," Deny Optional," click the X or otherwise continue to use the site, you accept our Privacy Policy and Terms of Service, revised from time to time.
You are being directed to ZacksTrade, a division of LBMZ Securities and licensed broker-dealer. ZacksTrade and Zacks.com are separate companies. The web link between the two companies is not a solicitation or offer to invest in a particular security or type of security. ZacksTrade does not endorse or adopt any particular investment strategy, any analyst opinion/rating/report or any approach to evaluating individual securities.
If you wish to go to ZacksTrade, click OK. If you do not, click Cancel.
In the last reported quarter, OPRT’s earnings surpassed the Zacks Consensus Estimate. The results benefited from lower operating expenses. However, lower interest income (NII) and non-interest income, alongside lower loans receivable, were undermining factors.
Oportun Financial Corporation Price and EPS Surprise
The Zacks Consensus Estimate for earnings of 26 cents per share has remained unchanged over the past seven days. The figure implies a massive jump from 2 cents in the prior-year quarter.
The consensus estimate for sales is pegged at $238.85 million, indicating a decrease of 4.5%.
Revenues: During the third quarter, the Federal Reserve reduced interest rates by 25 basis points (bps). This is unlikely to have hurt OPRT’s NII, as yields remained high for most of the quarter, while funding costs are likely to have stabilized.
The overall lending scenario was decent during the quarter, with a modest demand for consumer loans. Also, Oportun’s efforts to strengthen its credit card sales are expected to have provided some support. The Zacks Consensus Estimate for interest income of $222.1 million indicates a 3.4% decline from the prior-year quarter.
Moreover, Oportun’s servicing fees are likely to have improved in the quarter under review, given decent loan originations. The Zacks Consensus Estimate for servicing fees is pegged at $2.46 million, indicating a 28.5% year-over-year decline.
Moreover, subscription revenues and interest on member accounts are likely to have remained resilient given the company’s growth initiatives in new markets, leading to a higher client base. The Zacks Consensus Estimate for total non-interest income is pegged at $16.8 million, indicating a 15.8% year-over-year decline.
Management expects total revenues in the range of $237-$242 million, down from $250.4 million in the prior-year quarter.
Expenses: Oportun has been witnessing a persistent decline in expenses over the past several quarters, given its workforce diversification to lower-cost geographies and a reduction in non-essential vendor spend. However, continued technological investments, rising headcount and inflationary pressures are expected to have offset those efforts to some extent. Thus, overall expenses are expected to have increased in the third quarter.
Earnings Whispers for Oportun
Per our proven model, the chances of Oportun beating the Zacks Consensus Estimate are low this time. This is because it does not have the right combination of the two key ingredients — a positive Earnings ESP and a Zacks Rank #3 (Hold) or better.
You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
OPRT’s Earnings ESP: Oportun has an Earnings ESP of -13.73% at present.
Enova International’s (ENVA - Free Report) third-quarter 2025 adjusted earnings per share (EPS) of $3.36 beat the Zacks Consensus Estimate of $3.06. This compares favorably with earnings of $2.45 per share in the year-ago quarter.
Enova’s results were aided by higher revenues and loans and finance receivables. However, an increase in operating expenses acted as a spoilsport.
Regions Financial Corporation’s (RF - Free Report) third-quarter 2025 adjusted EPS of 63 cents beat the Zacks Consensus Estimate of 60 cents. This compares favorably with earnings of 57 cents per share in the year-ago quarter.
An increase in non-interest income and NII alongside lower provisions supported RF’s results. However, a lower loan and deposit balance, along with higher non-interest expenses, played spoilsport.
See More Zacks Research for These Tickers
Normally $25 each - click below to receive one report FREE:
Image: Bigstock
Oportun Set to Report Q3 Earnings: What's in the Cards?
Key Takeaways
Oportun Financial (OPRT - Free Report) is scheduled to release its third-quarter 2025 results today, after market close.
In the last reported quarter, OPRT’s earnings surpassed the Zacks Consensus Estimate. The results benefited from lower operating expenses. However, lower interest income (NII) and non-interest income, alongside lower loans receivable, were undermining factors.
Oportun Financial Corporation Price and EPS Surprise
Oportun Financial Corporation price-eps-surprise | Oportun Financial Corporation Quote
The Zacks Consensus Estimate for earnings of 26 cents per share has remained unchanged over the past seven days. The figure implies a massive jump from 2 cents in the prior-year quarter.
The consensus estimate for sales is pegged at $238.85 million, indicating a decrease of 4.5%.
Key Factors Driving OPRT’s Q3 Performance & Estimates
Revenues: During the third quarter, the Federal Reserve reduced interest rates by 25 basis points (bps). This is unlikely to have hurt OPRT’s NII, as yields remained high for most of the quarter, while funding costs are likely to have stabilized.
The overall lending scenario was decent during the quarter, with a modest demand for consumer loans. Also, Oportun’s efforts to strengthen its credit card sales are expected to have provided some support. The Zacks Consensus Estimate for interest income of $222.1 million indicates a 3.4% decline from the prior-year quarter.
Moreover, Oportun’s servicing fees are likely to have improved in the quarter under review, given decent loan originations. The Zacks Consensus Estimate for servicing fees is pegged at $2.46 million, indicating a 28.5% year-over-year decline.
Moreover, subscription revenues and interest on member accounts are likely to have remained resilient given the company’s growth initiatives in new markets, leading to a higher client base. The Zacks Consensus Estimate for total non-interest income is pegged at $16.8 million, indicating a 15.8% year-over-year decline.
Management expects total revenues in the range of $237-$242 million, down from $250.4 million in the prior-year quarter.
Expenses: Oportun has been witnessing a persistent decline in expenses over the past several quarters, given its workforce diversification to lower-cost geographies and a reduction in non-essential vendor spend. However, continued technological investments, rising headcount and inflationary pressures are expected to have offset those efforts to some extent. Thus, overall expenses are expected to have increased in the third quarter.
Earnings Whispers for Oportun
Per our proven model, the chances of Oportun beating the Zacks Consensus Estimate are low this time. This is because it does not have the right combination of the two key ingredients — a positive Earnings ESP and a Zacks Rank #3 (Hold) or better.
You can uncover the best stocks to buy or sell before they’re reported with our Earnings ESP Filter.
OPRT’s Earnings ESP: Oportun has an Earnings ESP of -13.73% at present.
OPRT’s Zacks Rank: The company currently carries a Zacks Rank #3. You can see the complete list of today’s Zacks #1 Rank (Strong Buy) stocks here.
Performance of Oportun’s Peer Stocks
Enova International’s (ENVA - Free Report) third-quarter 2025 adjusted earnings per share (EPS) of $3.36 beat the Zacks Consensus Estimate of $3.06. This compares favorably with earnings of $2.45 per share in the year-ago quarter.
Enova’s results were aided by higher revenues and loans and finance receivables. However, an increase in operating expenses acted as a spoilsport.
Regions Financial Corporation’s (RF - Free Report) third-quarter 2025 adjusted EPS of 63 cents beat the Zacks Consensus Estimate of 60 cents. This compares favorably with earnings of 57 cents per share in the year-ago quarter.
An increase in non-interest income and NII alongside lower provisions supported RF’s results. However, a lower loan and deposit balance, along with higher non-interest expenses, played spoilsport.