1 unchanged sentence
Securities Trading Plans of Directors and Executive Officers
−Removed: During the three months ended March 31, 2026, 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.
+Added: During the three months ended June 30, 2026, 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.
19 unchanged sentences
Corporate financing Senior secured term loan secured by the assets of the Company and certain of its subsidiaries guaranteeing the term loan, including pledges of the equity interests of certain subsidiaries that are directly or indirectly owned by the Company funded pursuant to the Credit Agreement, dated as of September 14, 2022, by and among the Company, Wilmington Trust, National Association, and the lenders party thereto (as amended), which was terminated on November 14, 2024, and the Credit Agreement, dated as of October 23, 2024, by and among the Company, Wilmington Savings Fund Society, FSB, and the lenders party thereto.
−Removed: Included in "Acquisition and corporate financing" on the Condensed Consolidated Balance Sheets (Unaudited).
Cost of Debt Annualized interest expense divided by Average Daily Debt Balance
16 unchanged sentences
Return on Equity Annualized net income divided by average stockholders' equity for a period
−Removed: 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 was collateralized by credit card accounts until it was terminated on November 10, 2024.
+Added: Secured financing Asset-backed revolving debt facilities, including the PLW facilities that are collateralized by unsecured personal loans and secured personal loans
Weighted Average Interest Rate Annualized interest expense as a percentage of average debt
2 unchanged sentences
Exhibit Filing Date Filed Herewith
−Removed: Transition Agreement dated January 21 , 2026
−Removed: 8-K 001-39050 10.1 1/21/2026
Offer Letter with Doug Bland, dated April 15, 2026
5 unchanged sentences
10.4+ Office of CEO Employment Letter with Gaurav Rana, dated April 4, 2026
+Added: 10-Q 001-39050 10.5 5/8/2026
10.5+ Office of CEO Employment Letter with Kathleen Layton, dated April 4, 2026
+Added: 10-Q 001-39050 10.6 5/8/2026
+Added: 10.6+ T ransition Agreement with Pat rick Kirscht dated June 15 , 2026
+Added: 8-K 001-39050 10.1 6/18/2026
+Added: Offer Letter with Sean Rowles dated June 13, 2026
+Added: 8-K 001-39050 10.2 6/18/2026
+Added: 10.8 Letter Agreement, dated June 22, 2026, between Oportun Financial Corporation, Bradley L.
+Added: Radoff and The Radoff Family Foundation
+Added: 8-K 001-39050 10.1 6/24/2026
+Added: Program Management Agreement dated as of June 30, 2026 by and between Column National Association and Oportun, Inc.
31.1 Rule 13a-14(a)/15d-14(a) Certification of the Chief Executive Officer and Director of Oportun Financial Corporation
11 unchanged sentences
+ Management contract or compensatory plan.
+Added: Certain portions of this exhibit have been omitted pursuant to Item 601(b)(10) of Regulation S-K by means of marking such portions with asterisks because the registrant has determined that the information is not material and would likely cause competitive harm to the registrant if publicly disclosed.
** The certifications attached as Exhibit 32.1 that accompany this Quarterly Report on Form 10-Q are not deemed filed with the Securities and Exchange Commission and are not to be incorporated by reference into any filing of the Registrant under the Securities Act of 1933, as amended, or the Securities Exchange Act of 1934, as amended, whether made before or after the date of this Quarterly Report on Form 10-Q, irrespective of any general incorporation language contained in such filing.
2 unchanged sentences
OPORTUN FINANCIAL CORPORATION
−Removed: May 8, 2026 By:
+Added: August 5, 2026 By:
/s/ Joseph Schueller
3 unchanged sentences
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.