Oportun Financial Corp. (OPRT)

In the past six months, Oportun Financial Corp. stock has been influenced by analyst rating changes, earnings reports, and other events. Analyst ratings from JPMorgan and Wall Street Zen were upgraded, while JPMorgan Chase & Co. and Zacks Research downgraded their ratings. Oportun reported strong third-quarter and second-quarter 2025 financial results, marking consecutive quarters of GAAP profitability and increased full-year Adjusted EPS guidance. Oportun reported a holiday savings surge and completed an asset-backed securitization, reducing financing costs. The stock's performance has also been influenced by broader market sentiment and expectations of upside.

The provided search results do not explicitly detail a specific seasonal pattern for the demand of Oportun Financial Corp.'s products and services. Market fluctuations and normalization of personal loan demand have been mentioned, but these indicate general market trends rather than predictable seasonal patterns.

Oportun Financial Corp. is a mission-driven financial services company in the Credit Services and Consumer Lending industries. Founded in 2005 in San Carlos, California, it uses a digital banking platform and data analytics to offer credit and savings solutions to underserved consumers, including low-to-moderate income and Hispanic borrowers. Oportun's products include personal loans, credit-builder credit cards, digital banking tools, and savings products. Since its inception, Oportun has provided over $16.6 billion in responsible credit and saved its members more than $2.4 billion in interest and fees and has been a CDFI since 2009.

Oportun Financial Corp. operates across more than 20 states in the United States through online platforms, phone services, retail locations, and partnerships. Unsecured personal loans are available in 3 states through state licenses and 38 states through a partnership with Pathward. Secured personal loans are offered in California, Texas, Florida, Arizona, New Jersey, Illinois, Nevada, and Utah. The company's headquarters are in San Carlos, California.

Oportun Financial Corp. maintains a positive brand reputation due to its mission-driven approach and commitment to financial inclusion. Oportun has been certified as a CDFI since 2009 and holds an A+ rating from the Better Business Bureau. The company has been recognized for its products and has a history of positive social impact and environmental performance.

Oportun Financial Corp. has a mixed ownership structure. Approximately 48.07% of the company's stock is owned by institutional investors, including Neuberger Berman Group LLC and BlackRock, Inc. Insiders own approximately 9.98% of the company's stock, with CEO Raul Vazquez owning 2.8% of the shares. Public companies and individual investors own approximately 41.94% of the stock.