What changed in this filing

/stocks — the workspaceLOADING

Item 5. Other Information

2025-08-07 compared with 2025-05-09 · 24 added, 10 removed, 62 unchanged (35% of the section changed)

1 unchanged sentence

Securities Trading Plans of Directors and Executive Officers

During the three months ended March 31, 2025 , none of our directors or officers adopted , modified or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.

During the three months ended June 30, 2025, none of our directors or officers adopted , modified or terminated a “Rule 10b5-1 trading arrangement” or “non-Rule 10b5-1 trading arrangement,” as each term is defined in Item 408(a) of Regulation S-K.

Terms and abbreviations used in this report are defined below.

4 unchanged sentences

Acquisition Financing Asset-backed floating rate variable funding note and asset-backed residual certificate secured by certain residual cash flows of the Company's securitizations.

The Acquisition Financing was used to fund the cash consideration for the Digit acquisition.

The Acquisition Financing was used to fund the cash consideration for the Digit acquisition and was terminated on November 14, 2024.

Adjusted Earnings Per Share ("EPS") Adjusted EPS is a non-GAAP financial measure calculated by dividing Adjusted Net Income by diluted adjusted weighted-average common shares outstanding

15 unchanged sentences

Included as "Secured Financing" on the Consolidated Balance Sheets.

The CCW was terminated on November 10, 2024.

Customer Acquisition Cost (or "CAC") Sales and marketing expenses, which include the costs associated with various paid marketing channels, including direct mail, digital marketing and brand marketing and the costs associated with our telesales and retail operations divided by number of loans originated and new credit cards activated to new and returning borrowers during a period

8 unchanged sentences

Total operating expenses divided by Average Daily Principal Balance

Asset-backed residual certificate secured by certain residual cash flows of the Company's securitizations.

The financing was used to partially fund the cash consideration for the Digit acquisition.

The financing was terminated on November 14, 2024.

Owned Principal Balance at End of Period Total amount of outstanding principal balance for all loans and credit card receivables, excluding loans and receivables sold or loans retained by a bank partner, at the end of the period

4 unchanged sentences

Purchases and cash advances, reduced by returns and principal payments received and principal charge-offs to date for our credit cards

Term or Abbreviation Definition

Return on Equity Annualized net income divided by average stockholders' equity for a period

Secured Financing Asset-backed revolving debt facilities, including (1) the PLW facilities that are collateralized by unsecured personal loans and secured personal loans and (2) the CCW facility that is collateralized by credit card accounts

Weighted Average Interest Rate Annualized interest expense as a percentage of average debt

2 unchanged sentences

Exhibit Filing Date Filed Herewith

10.1* Indenture between Oportun Issuance Trust 2025-A and Wilmington Trust, National Association, dated as of January 16, 2025.

Certificate of Amendment to the Amended and Restated Certificate of Incorporation of Oportun Financial Corporation .

Loan and Security Agreement by and between Oportun PLW III Trust, Oportun PLW III Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of April 2, 2025 .

10.2 5/09/2025

10.2^* Loan and Security Agreement by and between Oportun PLW II I Trust, Oportun PLW I II Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of April 2, 2025 .

31.1 Rule 13a-14(a)/15d-14(a) Certifications of the Chief Executive Officer , Princip al Financial Officer , Princip al Accounting Officer and Director of Oportun Financial Corporation

Letter Agreement, dated July 14, 2025, between Oportun Financial Corporation, Findell Capital Management LLC and certain other persons .

10.1 7/14/2025

Form of Performance-Based Restricted Stock Unit Award Agreement .

Master Amendment to the Loan and Security Agreement by and among Oportun PLW Trust, Oportun PLW Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of June 2, 2025 .

Master A m endment to the Loan and Security Agreement by and between Oportun PLW II Trust, Oportun PLW II Depositor, LLC, Oportun, Inc., the Lenders thereto, and Wilmington Trust, National Association, dated as of June 2, 2025 .

Indenture between Oportun Issuance Trust 2025- B and Wilmington Trust, National Association, dated as of June 5 , 2025.

31.1 Rule 13a-14(a)/15d-14(a) Certification of the Chief Executive Officer and Director of Oportun Financial Corporation

Rule 13a-14(a)/15d-14(a) Certification of the Principal Financial Officer , Principal Accounting Officer and SVP, Finance - Controller of Oportun Financial Corporation

32.1** Section 1350 Certifications

13 unchanged sentences

OPORTUN FINANCIAL CORPORATION

May 8, 2025 By:

/s/ Raul Vazquez

Chief Executive Officer

(Principal Executive Officer, Principal Financial Officer, Principal Accounting Officer and duly authorized signatory of the Registrant)

August 7, 2025 By:

/s/ Joseph Schueller

Joseph Schueller

Senior Vice President, Finance – Controller

(Principal Financial Officer, Principal Accounting Officer and duly authorized signatory of the Registrant)

Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.

What changed 10-Q

Item 5. Other Information