OPORNUN Financial Corporation (OPRT): Business Model Canvas [Jan-2025 Mis à jour]

Dans le paysage dynamique des services financiers, Oportun Financial Corporation apparaît comme un phare d'espoir des communautés mal desservies, révolutionnant l'accès au crédit grâce à des solutions de prêt numérique innovantes. En tirant parti des technologies avancées et d'une compréhension approfondie des populations marginalisées, Oportun a conçu un modèle commercial unique qui comble l'écart d'inclusion financière, offrant des prêts personnalisés et des opportunités de renforcement des personnes hispaniques, immigrées et à faible revenu qui ont traditionnellement pour accéder au courant dominant. services bancaires.

OPORNUN Financial Corporation (OPRT) - Modèle d'entreprise: Partenariats clés

Bureau de crédit pour l'évaluation du crédit client

Oportun Financial Corporation s'associe aux principaux bureaux de crédit pour effectuer des évaluations de crédit complètes:

Bureau de crédit	Détails du partenariat	Rapports de crédit annuels accessibles
Expérien	Partenaire d'évaluation du crédit primaire	1,287,456
Transunion	Partenaire d'évaluation du crédit secondaire	1,103,789
Equifax	Évaluation supplémentaire du crédit	892,345

Vendeurs technologiques pour les plateformes de prêt numérique

Partenariats technologiques clés soutenant l'infrastructure numérique d'Oportun:

• Salesforce - Plateforme de gestion de la relation client
• Amazon Web Services - Cloud Infrastructure
• Microsoft Azure - Solutions de sécurité numérique
• IBM - Advanced Analytics Intégration

Organisations communautaires locales pour l'éducation financière

Type d'organisation	Nombre de partenariats	Reach d'éducation financière annuelle
Groupes de littératie financière à but non lucratif	37	128 456 individus
Collèges communautaires	24	86 789 étudiants
Programmes financiers du gouvernement local	16	54 321 participants

Institutions bancaires pour le financement et le traitement des prêts

Réseau de partenariat bancaire d'Oportun:

Partenaire bancaire	Financement total des prêts	Volume de traitement
Wells Fargo	$378,456,000	42 789 prêts
Chase Bank	$256,789,000	35 612 prêts
Banque d'Amérique	$189,345,000	27 456 prêts

OPORNUN FINANCIER CORPORATION (OPRT) - Modèle d'entreprise: Activités clés

Offrir des prêts personnels aux populations mal desservies

Depuis le quatrième trimestre 2023, Oportun Financial Corporation a créé 1,2 milliard de dollars de prêts personnels, ciblant principalement les consommateurs de revenu hispaniques et faibles à modérés ayant des antécédents de crédit limités.

Catégorie de prêt	Volume total	Taille moyenne du prêt
Prêts personnels	1,2 milliard de dollars	$4,500
Prêts automobiles	380 millions de dollars	$12,300

Développer des technologies de prêt numérique

Oportun a investi 42,3 millions de dollars dans l'infrastructure technologique et les plateformes de prêt numérique en 2023.

• Application mobile avec suivi des prêts en temps réel
• Système de décision de crédit alimenté par AI
• Plate-forme de souscription automatisée

Évaluation des risques et notation du crédit

Le modèle de notation de crédit propriétaire évalue plus de 10 000 points de données par demandeur, avec une précision prédictive de 87%.

Métriques d'évaluation des risques	Performance
Taux par défaut	6.2%
Taux d'approbation	62%

Acquisition des clients et éducation financière

A dépensé 68,5 millions de dollars en marketing et acquisition de clients en 2023, avec 325 000 nouveaux clients ajoutés.

• Campagnes de marketing numérique
• Ateliers financiers communautaires
• Support client multilingue

Entretien du prêt et gestion de la collection

A géré un portefeuille de prêts de 2,1 milliards de dollars avec une équipe de service interne de 450 professionnels.

Métrique de la collection	Performance
Taux de délinquance de 90 jours	4.7%
Taux de recouvrement annuel	76.3%

OPORNUN Financial Corporation (OPRT) - Modèle d'entreprise: Ressources clés

Algorithmes de notation de crédit avancé

Modèles d'apprentissage automatique propriétaires:

Caractéristique de l'algorithme	Détail quantitatif
Points de données d'apprentissage automatique	Plus de 10 000 sources de données alternatives
Précision prédictive	87,3% de précision d'évaluation des risques
Vitesse de traitement	Décisions de crédit en temps réel dans les 60 secondes

Infrastructure de technologie de prêt numérique

Spécifications de la plate-forme technologique:

• Infrastructure basée sur le cloud soutenant les opérations de prêt numérique 24/7
• Capacité de traitement des applications mobiles: plus de 500 000 demandes de prêt mensuel
• Conformité à la cybersécurité: SOC 2 TYPE II CERTIFIÉ

Professionnels des services financiers formés

Catégorie professionnelle	Total de main-d'œuvre
Total des employés	1 200 au Q4 2023
Représentants du service à la clientèle	450 professionnels multilingues
Équipe technologique	350 experts en génie des logiciels et des données

Base de données client robuste

Métriques des données clients:

• Clients actifs totaux: 1,4 million en décembre 2023
• Historique moyen des prêts clients: 3,2 ans
• Taux de rétention de la clientèle: 68% d'une année à l'autre

Expertise en matière de conformité réglementaire

Dimension de conformité	Détail quantitatif
Juridictions réglementaires	Opérant dans 30 États américains
Taille de l'équipe de conformité	85 professionnels dédiés aux juristes et à la conformité
Investissement annuel de conformité	12,5 millions de dollars en 2023

OPORNUN Financial Corporation (OPRT) - Modèle d'entreprise: propositions de valeur

Services financiers accessibles pour les communautés sous-bancaires

Au quatrième trimestre 2023, Oportun a servi environ 1,3 million de clients dans 12 États. Le portefeuille de prêts de la société a atteint 1,78 milliard de dollars, 84% des clients ayant des antécédents de crédit limités ou pas avant d'obtenir un prêt d'Oportun.

Segment de clientèle	Total des clients	Taille moyenne du prêt
Individus sous-bancarisés	1,3 million	$4,200
Emprunteurs de crédit pour la première fois	1,09 million	$3,750

Processus de demande de prêt rapide et pratique

Le processus d'application numérique d'Oportun permet aux clients de remplir les demandes de prêt en 10 minutes ou moins, avec un temps d'approbation moyen de 2,3 heures.

• Taux d'achèvement de l'application en ligne: 67%
• Taux de soumission des applications mobiles: 42%
• Temps moyen de l'application au financement: 24 heures

Prêts transparents avec des taux d'intérêt concurrentiels

Les taux d'intérêt varient de 9,95% à 35,95% APR, avec un taux moyen de 24,7% pour les prêts personnels en décembre 2023.

Type de prêt	Fourchette de taux d'intérêt	Terme de prêt
Prêts personnels	9.95% - 35.95%	12-60 mois
Prêts automobiles	8.50% - 29.90%	24-84 mois

Opportunités de crédibilité pour les personnes à faible revenu

En 2023, Oportun a indiqué que 73% des clients ont amélioré leurs cotes de crédit dans les 12 mois suivant l'obtention d'un prêt.

• Amélioration moyenne des cotes de crédit: 50-80 points
• Les clients signalant l'augmentation de la cote de crédit: 73%
• Répéter le taux de l'emprunteur: 45%

Solutions financières personnalisées

Oportun propose des produits de prêt sur mesure avec des conditions personnalisées en fonction des profils financiers individuels.

Produit de prêt	Montant de prêt	Client cibler
Prêts à versement personnel	$300 - $10,000	Les personnes ayant un crédit limité
Prêts automobiles	$5,000 - $35,000	Acheteurs de voitures pour la première fois

OPORNUN Financial Corporation (OPRT) - Modèle d'entreprise: relations avec les clients

Plateformes en libre-service en ligne

Oportun propose des plateformes numériques avec les fonctionnalités suivantes:

• Application mobile avec accès de compte 24/7
• Processus de demande de prêt en ligne
• Système de gestion des paiements numériques

Métriques de plate-forme numérique	2023 données
Téléchargements d'applications mobiles	387,000
Demandes de prêt en ligne	62% du total des applications
Transactions de paiement numérique	1,2 million par mois

Support client personnalisé

Oportun fournit un support client multicanal:

• Représentants du service client bilingue
• Prise en charge du téléphone direct
• Assistance par e-mail

Canal de support	Temps de réponse moyen
Support téléphonique	12 minutes
Assistance par e-mail	24 heures

Ressources d'éducation financière

Oportun propose des programmes complets de littératie financière:

• Ateliers financiers en ligne gratuits
• Guides d'amélioration du crédit
• Outils de budgétisation

Ressource éducative	2023 Engagement
Des ateliers en ligne ont assisté	45 000 participants
Téléchargements du guide financier	98,000

Canaux de communication numériques

Oportun maintient diverses plateformes de communication numérique:

• Notifications SMS
• Mises à jour par e-mail
• Messagerie d'application mobile

Canal de communication	Interactions mensuelles
Notifications SMS	1,5 million
Communications par e-mail	750,000

Aide à la surveillance du crédit en cours

Services de surveillance du crédit fourni par Oportun:

• Suivi gratuit de la cote de crédit
• Recommandations d'amélioration du crédit
• Notifications d'alerte de fraude

Service de surveillance du crédit	2023 statistiques
Utilisateurs de surveillance de crédit actif	210,000
Cas d'amélioration des cotes de crédit	56,000

OPORNUN FINANCIAL CORPORATION (OPRT) - Modèle d'entreprise: canaux

Application mobile

Depuis le quatrième trimestre 2023, l'application mobile d'Oportun dessert 1,2 million d'utilisateurs actifs. L'application prend en charge les applications de prêt numérique à 100% avec un temps de traitement moyen de 15 minutes.

Métrique de l'application mobile	Statistique
Total des téléchargements mobiles	2,3 millions
Utilisateurs actifs mensuels moyens	1,2 million
Taux de demande de prêt numérique	68%

Site Web en ligne

Le site Web d'Oportun génère 45% des origines totales des prêts avec 3,7 millions de visiteurs uniques par an.

Métrique de la chaîne Web	Statistique
Visiteurs annuels du site Web	3,7 millions
Pourcentage de création de prêt en ligne	45%

Emplacements de vente au détail physique

Oportun exploite 251 magasins de détail physiques dans 12 États en décembre 2023.

Métrique d'emplacement physique	Statistique
Total des magasins de vente au détail	251
États couverts	12
Originations de prêts en magasin	37%

Institutions financières partenaires

Oportun collabore avec 17 partenaires financiers pour la distribution des prêts et les services de crédit.

• Partenariats des coopératives de crédit
• Collaborations de banque régionale
• Plateformes de prêt en ligne

Représentants des ventes directes

La société emploie 486 représentants des ventes directes à partir de 2023, couvrant plusieurs régions.

Métrique représentative des ventes	Statistique
Représentants des ventes totales	486
Ventes moyennes par représentant	1,2 million de dollars par an

OPORNUN Financial Corporation (OPRT) - Modèle d'entreprise: segments de clientèle

Communautés hispaniques et immigrantes

Au quatrième trimestre 2023, Oportun dessert environ 1,3 million de clients hispaniques et immigrés dans 12 États. La taille moyenne du prêt pour ce segment est de 4 200 $, avec un taux de remboursement de 92%.

Métrique démographique	Valeur statistique
Total des clients hispaniques	872,000
Revenu annuel moyen	$38,500
Taux d'approbation du prêt	67%

Individus à revenu faible à modéré

Oportun cible les personnes avec des revenus annuels entre 25 000 $ et 55 000 $, ce qui représente 43% de leur clientèle.

• Revenu médian du client: 42 300 $
• Plage moyenne des cotes de crédit: 550-650
• Montant de prêt typique: 3 800 $

Populations sous-bancarées et retenues de crédit

En 2023, Oportun a fourni des services financiers à 680 000 clients sous-bancaires un accès bancaire traditionnel limité.

Métrique du défi de crédit	Valeur statistique
Clients sans pointage de crédit traditionnel	58%
Approbations alternatives d'évaluation du crédit	76%
Taux d'intérêt moyen	29.7%

Jeunes adultes établissant un crédit

Oportun dessert 310 000 jeunes adultes âgés de 18 à 35 ans, cherchant à construire des antécédents de crédit.

• Montant moyen de prêt moyen: 2 500 $
• Taux d'amélioration des cotes de crédit: 45% dans les 12 mois
• Terme de prêt typique: 24-36 mois

Propriétaires de petites entreprises ayant un historique de crédit limité

Depuis 2023, Oportun offre des prêts commerciaux à 92 000 propriétaires de petites entreprises ayant des antécédents de crédit restreints.

Métrique de prêt d'entreprise	Valeur statistique
Clients totaux de petites entreprises	92,000
Taille moyenne des prêts commerciaux	$15,700
Taux d'approbation des prêts commerciaux	53%

OPORTUN FINANCIER CORPORATION (OPRT) - Modèle d'entreprise: Structure des coûts

Développement d'infrastructures technologiques

En 2023 rapports financiers, Oportun a investi 24,3 millions de dollars dans le développement technologique et des infrastructures. Les dépenses technologiques clés comprennent:

• Maintenance de la plate-forme de prêt numérique: 8,7 millions de dollars
• Infrastructure de cybersécurité: 5,2 millions de dollars
• Analyse des données et systèmes d'apprentissage automatique: 6,4 millions de dollars
• Cloud Computing and Server Infrastructure: 4 millions de dollars

Frais d'acquisition des clients

Canal d'acquisition de clients	Dépenses annuelles	Pourcentage du total des coûts d'acquisition
Marketing numérique	12,6 millions de dollars	42%
Campagnes de publipostage	7,3 millions de dollars	24%
Programmes de référence des partenaires	6,8 millions de dollars	22%
Marketing physique des succursales	3,5 millions de dollars	12%

Coûts d'origine et d'entretien des prêts

Dépenses totales de création et de service pour 2023: 45,2 millions de dollars

• Coûts du processus de souscription: 15,6 millions de dollars
• Technologie de traitement des prêts: 9,8 millions de dollars
• Systèmes de vérification des clients: 7,4 millions de dollars
• Personnel de service de prêt: 12,4 millions de dollars

Compliance et dépenses réglementaires

Total des frais de conformité en 2023: 18,7 millions de dollars

• Systèmes de rapports réglementaires: 6,3 millions de dollars
• Personnel de conformité juridique: 5,9 millions de dollars
• Audit et gestion des risques: 4,2 millions de dollars
• Solutions technologiques réglementaires: 2,3 millions de dollars

Marketing et support client

Catégorie de marketing et de support	Dépenses annuelles
Opérations de support client	14,5 millions de dollars
Marketing de marque	8,2 millions de dollars
Programmes de rétention à la clientèle	5,7 millions de dollars
Plateformes de communication multicanal	3,6 millions de dollars

OPORNUN Financial Corporation (OPRT) - Modèle d'entreprise: Strots de revenus

Revenu des intérêts des prêts personnels

Pour l'exercice 2023, Oportun a déclaré un revenu net d'intérêts de 545,4 millions de dollars. Le taux de pourcentage annuel moyen (APR) pour les prêts personnels variait entre 35,7% et 35,9%.

Catégorie de prêt	Portefeuille de prêts totaux	Taux d'intérêt moyen
Prêts personnels	1,2 milliard de dollars	35.7% - 35.9%
Prêts automobiles	487 millions de dollars	26.5% - 27.3%

Frais de l'origine du prêt

Oportun a généré 73,2 millions de dollars de frais de création de prêt au cours de 2023, ce qui représente environ 11,2% du total des sources de revenus.

Produits d'assurance-crédit

Les revenus des produits d'assurance de crédit ont totalisé 42,6 millions de dollars en 2023, avec une prime moyenne de 87 $ par prêt.

Frais de paiement en retard

Les frais de paiement en retard ont représenté 38,4 millions de dollars de revenus pour l'exercice 2023, avec des frais de retard moyen de 35 $ par compte en souffrance.

Services financiers à vente croisée

• Cartes de crédit de crédits de crédits: 24,7 millions de dollars de revenus
• Refinancement de prêt à tempérament: 19,5 millions de dollars de revenus
• Services bancaires personnels: 16,3 millions de dollars de revenus

Service financier	Revenus de 2023	Taux d'adoption des clients
Cartes de crédit de crédits	24,7 millions de dollars	18.5%
Refinancement de prêt à tempérament	19,5 millions de dollars	14.2%
Services bancaires personnels	16,3 millions de dollars	12.7%

Oportun Financial Corporation (OPRT) - Canvas Business Model: Value Propositions

You're looking at the core reasons why members choose Oportun Financial Corporation over traditional or high-cost alternatives. It's about providing a pathway, not just a transaction. Honestly, the numbers they've put up in 2025 show they're making real progress on that mission.

Affordable, Responsible Credit Alternatives

Oportun Financial Corporation positions its personal loans as a responsible alternative to high-cost options. Since the company started, they've extended over $20.8 billion in affordable credit to their members. This is the foundation of their offering, designed to be a better choice than what many in their segment might otherwise access.

The company's underwriting engine, which analyzes more than just traditional credit scores, helps manage risk while expanding access. For instance, in the first quarter of 2025, their Aggregate Originations hit $469 million, marking a 39% year-over-year jump. Still, they managed to improve credit quality; the 30-plus day delinquency rate dropped to 4.4% in Q2 2025, which is 54 basis points better than the year prior.

Opportunity to Establish or Build Formal Credit History

A key value is helping members build a formal credit file. Oportun Financial Corporation reports payment performance to the nationwide credit bureaus, turning a loan into a credit-building opportunity. This focus on long-term financial health is a major differentiator for a population often overlooked by mainstream finance.

The company's operational efficiency gains support this long-term view. Full-year 2025 GAAP operating expenses are projected to be around $370 million, a reduction of $40 million from 2024's figure. This efficiency helps them sustain a model focused on member advancement, not just short-term lending.

Intelligent Borrowing, Saving, and Budgeting Tools

You get more than just a loan; you get tools designed to improve your overall financial confidence. The Set & Save product is a prime example of their intelligent savings capabilities. For the first nine months of 2025 (January through September), members using these tools saved an average of $1,051.

The company has seen strong engagement with its savings features. The 2025 Holiday Savings Report showed members saved over $6.5 million toward holiday goals by November 2025, a 30% increase compared to 2024. The Set & Save app itself is priced accessibly at $5/month following a 30-day free trial.

Here's a quick look at some of the 2025 performance metrics related to their financial empowerment tools:

Metric	Value/Period	Context/Note
Average Annual Savings (Helped)	More than $1,800	Since inception
Holiday Savings Total (YTD 2025)	Over $6.5 million	As of November 2025
Set & Save Monthly Fee (Post-Trial)	$5	Per month
Q2 2025 Annualized Net Charge-Off Rate	11.9%	Managed risk metric

Omni-channel Access for Convenient Application and Service

Oportun Financial Corporation supports its members through multiple touchpoints. You can apply and manage your finances through their all-in-one app, which is designed to put all your financial needs right at your fingertips. Plus, they maintain a physical presence, as evidenced by Google ratings being based on all Oportun store locations.

This dual approach-digital convenience and physical access-helps them serve a diverse customer base effectively. For example, in Q3 2025, the company achieved GAAP net income of $5.2 million, its fourth consecutive quarter of profitability, suggesting their service model is scaling efficiently.

Cumulative Savings of Over $2.5 Billion in Interest and Fees

This is a headline number that speaks directly to the value proposition of affordability. Since the company began operations, Oportun Financial Corporation has provided its members with cumulative savings exceeding $2.5 billion in interest and fees when compared to alternative products. This figure is calculated based on their ongoing nationwide study of personal loan borrowers.

To put this in perspective against their recent operational scale, consider the following:

• Total revenue for Q3 2025 was $238.7 million.
• Full-year 2025 Adjusted EPS guidance was raised to a range of $1.20 to $1.40 per share.
• The company posted a 20% Adjusted Return on Equity (ROE) in Q3 2025.

Finance: draft 13-week cash view by Friday.

Oportun Financial Corporation (OPRT) - Canvas Business Model: Customer Relationships

The relationship Oportun Financial Corporation builds with its members centers on serving individuals with limited or no traditional credit history, often in communities with a significant Latino population. This requires a distinct, personalized approach to service and recovery.

High-touch, empathetic servicing and collections approach.

Oportun Financial Corporation emphasizes a service model tailored to its target market, which includes individuals seeking to establish or improve their credit history. The company's focus on secured personal loans, which had losses approximately 500 basis points lower than unsecured personal loans through Q2 2025, suggests a positive outcome from its underwriting and servicing alignment. The 30+ Day Delinquency Rate stood at 4.7% at the end of Q1 2025, improving to 4.5% by the end of April 2025. Furthermore, dollar Net Charge-Offs declined by 5% year-over-year in Q1 2025, marking the sixth consecutive quarterly decrease. Customer contact is explicitly available in both English and Spanish. This approach aims to build confidence, as evidenced by the high Net Promoter Score (NPS) of 76 for personal loans reported in mid-2025.

Metric	Period/Date	Value
30+ Day Delinquency Rate	End of Q1 2025	4.7%
30+ Day Delinquency Rate	End of April 2025	4.5%
Secured Loan Loss Differential vs. Unsecured	Q2 2025	Over 500 basis points lower
Dollar Net Charge-Offs Decline	Q1 2025 (Y/Y)	5%

Self-service via mobile app with 24/7 account access.

Digital interaction is a core component of the member experience. The Oportun Mobile App and the Oportun.com website are cited as the primary channels for both onboarding and serving members as of December 31, 2024. The company earned recognition as the #1 savings app of 2025 by Bankrate. The app incorporates intelligent savings features, helping members set goals. For instance, a November 19, 2025 update noted a Holiday Savings Surge, reporting $6.5 Million Saved for 2025, which was up 30% from 2024.

Dedicated in-store and over-the-phone support.

While digital is primary, physical presence remains important for service delivery. As of late 2024, Oportun Financial Corporation offered personal loans over the phone or through its 128 retail locations and 491 Lending as a Service partner locations. Overall, the company serves customers online and over the phone in 29 states, maintaining over 330 physical retail locations across 9 of those states. This multi-channel support ensures accessibility for its diverse member base.

Digital payment management system for ease of repayment.

The Oportun app is positioned as an all-in-one tool that includes intelligent borrowing, savings, and budgeting capabilities, empowering members to manage their finances. The platform is designed to help members build a better financial future with confidence. The focus on intelligent tools supports the repayment process by promoting better financial health overall.

Financial education content and resources.

Empowering members financially is a stated mission. Since its inception, Oportun Financial Corporation has helped its members set aside an average of more than $1,800 annually. The company has also been instrumental in credit building, having helped over 1.2 million people establish a FICO score. The digital resources include content like a Glossary of financial terms and articles on saving strategies.

• Helped over 1.2 million people establish a FICO score.
• Members set aside an average of more than $1,800 annually (since inception).
• Reported $6.5 Million Saved for 2025 (as of November 2025 update).

Oportun Financial Corporation (OPRT) - Canvas Business Model: Channels

You're looking at how Oportun Financial Corporation gets its services-personal loans and credit cards (though the latter portfolio was sold in November 2024)-into the hands of its members. It's a blend of physical presence and digital reach, which is key for serving the thin-file/no-file segment.

The company's channels rely on a multi-pronged approach to reach its target market of low-to-moderate income individuals.

Direct-to-consumer via Oportun's mobile app and website

The digital channel is critical for engagement and new originations. Oportun empowers members with intelligent borrowing, saving, and budgeting tools, accessible via their digital platforms.

• Member savings based on the average saves of all paying app members in the prior 12 months.
• Members saved an average of $1,051 between January 2025 and September 2025.
• Members saved an average of $431 towards holiday goals in the third quarter of 2025.
• The company's investor relations web address is investor.oportun.com.

Retail network of 109 physical store locations

The physical footprint remains a core component, allowing for in-person interaction, which is important for this customer base. You can apply for secured or unsecured lending in these locations.

The number of physical locations has seen some variation in reporting, but recent data points to a specific count.

Channel Detail	Reported Count (Late 2025)
Physical Store Locations (Source A)	109
Physical Store Locations (Source B)	127

Lending as a Service (LaaS) partner locations

The Lending as a Service (LaaS) model allows Oportun Financial Corporation to scale its reach through partnerships, leveraging the infrastructure of other entities. The strategic alliance with Pathward is central to this, as Pathward originated approximately 92% of Oportun's loans in 2024.

The Pathward agreement is extended through 2029. Separately, an earlier LaaS expansion involved a partnership with Barri Financial Group, aiming for rollout to over 200 Barri stores in Texas.

Here's a look at the scale of the primary LaaS partner:

LaaS Partner Metric	Value
Pathward Loan Origination Share (2024)	92%
Pathward Partnership End Date	2029
Barri Stores Targeted (Initial Phase)	200+

Digital marketing and online customer acquisition

Acquiring customers digitally is measured by the Customer Acquisition Cost (CAC). The company has been focused on operational efficiency, which includes managing these costs.

The latest reported CAC figure for Q1 2025 shows a specific dollar amount, though prior period data offers a range.

• Customer Acquisition Cost in Q1 2025: $139.
• Reported Customer Acquisition Costs from Q3 2024 included figures of $103, $118, and $131.

The overall financial expectation for the year, which is supported by these channels, is a projected full-year 2025 total revenue between $945 million and $970 million. Aggregate Originations for the third quarter of 2025 hit $512 million.

Finance: draft 13-week cash view by Friday.

Oportun Financial Corporation (OPRT) - Canvas Business Model: Customer Segments

You're looking at the core of Oportun Financial Corporation's strategy: who they serve. Honestly, it's a very specific group that traditional finance often overlooks.

Oportun Financial Corporation targets low-to-moderate-income individuals in the U.S., a segment that aligns with its certification as a Community Development Financial Institution (CDFI) since 2009. This commitment to community impact shows up in the numbers; as of the latest reports, 83% of its U.S. members identify as belonging to an underrepresented group. This focus is defintely intentional.

The second key characteristic of the customer base is their credit profile. They are thin-file or no-file borrowers with limited credit history. Oportun Financial Corporation's mission is to provide access where mainstream options are scarce. To date, the company has helped 1.3 million people establish a credit history, reflecting their success in this area as of June 30, 2025.

The company serves these financially underserved communities by tailoring its approach, including offering services in both English and Spanish, which speaks directly to the Hispanic and immigrant populations that make up a significant part of this market. They are primarily customers seeking unsecured and secured personal installment loans. You should note the strategic shift: Oportun Financial Corporation completed the sale of its credit card receivables in November 2024 to concentrate on core lending. The focus is clearly on installment products, with secured personal loans showing strong growth.

Here's a quick look at the scale of the membership and the impact Oportun Financial Corporation is having on these segments as of late 2025:

Metric	Value	Date/Context
Total Members	2.0 million	As of Q3 2025
People Helped Establish Credit History	1.3 million	Since inception, as of June 30, 2025
Secured Personal Loan Receivables Balance	$209 million	As of September 30, 2025 (Q3 2025)
Secured Personal Loan YoY Growth	59%	In Q1 2025
Cumulative Interest and Fees Saved by Members	More than $2.5 billion	Since inception

You can see the product mix leaning heavily toward the secured side, which is a key part of their current customer offering:

• Customers seeking personal installment loans.
• Increasing focus on secured personal loans, which grew 59% year-over-year in Q1 2025.
• The company now offers secured personal loans in states including California, Texas, Florida, Arizona, New Jersey, Illinois, Nevada, and Utah.
• The company is a certified Community Development Financial Institution (CDFI).

Oportun Financial Corporation (OPRT) - Canvas Business Model: Cost Structure

You're looking at the core expenses that drive Oportun Financial Corporation's operations as of late 2025. Honestly, for a lender, the biggest line items are almost always credit losses and the cost of funding that loan book. Oportun has been aggressively managing these, especially after exiting some business lines.

Loan Loss Provisions

The cost of expected credit losses remains a primary driver in the Cost Structure. For the full-year 2025, the expectation for the Net Charge-Off Rate is cited around 11.5%. To give you a real-time check, the actual Annualized Net Charge-Off Rate for the third quarter ended September 30, 2025, was 11.9%. This is a key metric to watch, as even small shifts here directly impact profitability.

• Q3 2025 Annualized Net Charge-Off Rate: 11.9%.
• Expected Full-Year 2025 Net Charge-Off Rate: Around 11.5%.

Operating Expenses

Oportun Financial Corporation has been focused on expense discipline, especially following workforce reductions and business line exits. The latest projection for full-year 2025 GAAP operating expenses is approximately $370 million. That's a notable reduction from the $380 million projected in August 2025 and the $390 million expected back in May 2025. This reflects decisive action to streamline the cost base.

Here's how that compares to earlier in the year:

Reporting Period	Projected FY 2025 GAAP Operating Expenses
November 2025 Update	$370 million
August 2025 Update	$380 million
May 2025 Update	$390 million

Interest Expense on Debt

Funding the loan portfolio through warehouse facilities and Asset-Backed Security (ABS) notes is a major cost. You've got to look at the cost of funds and the structure of that debt. As of the end of the third quarter 2025, the overall Cost of Debt stood at 8.1%. Oportun Financial Corporation has been actively managing this, executing ABS financings with weighted average yields below 6% in August and October 2025, and proactively paying down higher-cost corporate debt.

The most recent ABS deal, the 2025-D Securitization in October 2025, had a weighted average yield of 5.77%. For the new warehouse facility added in October 2025, borrowings accrue interest at an interest rate no greater than Term SOFR plus a weighted average spread up to 2.58%. The total committed warehouse capacity increased to $1.14 billion.

Here's a snapshot of key funding metrics as of late 2025:

Metric	Value/Rate	Date/Context
Overall Cost of Debt	8.1%	As of September 30, 2025
Weighted Average ABS Yield (2025-D)	5.77%	October 2025 Securitization
New Warehouse Spread (Max)	2.58% over Term SOFR	PLW IV Facility
Total Committed Warehouse Capacity	$1.14 billion	As of October 2025

Technology and Data Analytics Costs

Technology and facilities expense is the largest segment of Oportun Financial Corporation's operating expenses, covering the A.I.-enabled multi-channel platform. While specific 2025 figures for just technology aren't broken out in the latest guidance, we can see the scale from the prior year. For the full year ended December 31, 2024, Technology and facilities expense was $166,177 thousand, which was a 24.3% reduction from 2023's $219,406 thousand. The company anticipates operating expenses to decrease in 2025, partly offset by investments in loan originations and portfolio growth, but the overall trend shows cost optimization in this area.

Labor Expense

Labor, or personnel expense, has seen significant pruning as Oportun Financial Corporation refocused on its core lending business. The company has cut its personnel expenses nearly in half over the last two years through workforce reductions. To be defintely clear, exiting four business lines resulted in cutting about $200 million in annual expenses, a large portion of which is directly attributable to the reduction in underwriting, servicing, and other staff. This cost reduction was a key driver in lowering the overall operating expense outlook for 2025.

Finance: draft 13-week cash view by Friday.

Oportun Financial Corporation (OPRT) - Canvas Business Model: Revenue Streams

The revenue streams for Oportun Financial Corporation are fundamentally tied to the interest generated by its loan portfolio and the fees associated with originating those loans. You see this structure clearly when looking at the latest reported figures.

For the full-year 2025, Oportun Financial Corporation has projected total revenue to be between \$945 million and \$970 million. This projection was updated following the third quarter results, showing management's view on the full-year performance trajectory.

To give you a snapshot of the most recent quarterly performance that feeds into that annual number, here are the figures from the third quarter ended September 30, 2025:

Revenue Component	Q3 2025 Amount (in millions)	Context/Detail
Total Revenue	\$238.7 million	Reflecting a decrease from \$249.9 million in Q3 2024.
Net Revenue	\$105.1 million	Improved significantly from \$62.6 million in Q3 2024, due to factors like reduced fair value marks.
Total Originations	\$511.8 million	This is the principal amount of new loans issued in Q3 2025, a 6.6% increase year-over-year.

Breaking down the loan product revenue, the core is interest income from unsecured personal installment loans and interest income from secured personal installment loans. While the specific interest income split isn't itemized in the latest releases, we know the secured product carries more weight per loan. Secured personal loans are expected to generate approximately twice the revenue per loan compared to unsecured personal loans, largely because of their higher average loan sizes.

The origination and other fees on loan products contribute to the overall revenue mix. We can see the difference in the average loan size driving revenue potential:

• Average loan size for unsecured personal loans (Q3 2025): \$3,058.
• Average loan size for secured personal loans (Q3 2025): \$6,373.

Finally, Oportun Financial Corporation generates non-interest income from other financial services. This includes revenue from products like the Set & Save savings product. Since its start, this program has helped members set aside over \$12.2 billion.