Oportun reports Q2 net income up 24% YoY, raises full-year Adjusted EBITDA guidance 6%

Filed August 5, 2026 · Period ending August 5, 2026 · ~1 min read

Key Changes

• high

  Q2 2026 GAAP net income $9M (+24% YoY), Adjusted EBITDA $49M (+56% YoY); GAAP EPS $0.17 (+21%), Adjusted EPS $0.42 (+35%); 30+ day delinquency 4.0%, lowest since Q4 2021.

  Exhibit 99.1 view on EDGAR →
• high

  Raised full-year 2026 Adjusted EBITDA guidance 6% at midpoint to $160M–$175M; lowered annualized net charge-off rate expectation 20 bps to 11.7% ± 30 bps.

  Exhibit 99.1 view on EDGAR →
• high

  Cost of debt fell 228 bps YoY to 6.3% from repayment of $87.5M corporate debt and favorable non-cash accounting change; net interest margin expanded 274 bps to 29.0%.

  Exhibit 99.1 view on EDGAR →