How often does Oportun Financial move more than the options market prices?

2 of the last 8 reports moved at least as far as the implied move.

OPRTNasdaqFinance Services

Oportun Financial Corp (OPRT) earnings date, market-implied expected move, and options open interest by expiry

12.89

+2.85 · +28.34%

post 13.00 +0.89%

Closed16:49 ET

Open12.75Volume580,886Mkt cap$461.7M

Day12.05 – 13.00100%52-wk4.03 – 10.28100%

OPRT

Oportun Financial Corp

OpenVolumeMkt capP/EEPSDiv yield

Day – 52-wk –

Expected move

No implied move.

Expected move

Inputs

Next report

Feb 25

after close · in 113 days

est.Q4 FY26

Calendar

Next report

Last report

+29.58%

vs ±12.3% implied · ×2.41

shaded = implied · ▲▼ = realized

Nov 3 '26 · confirmedthin chain

Implied vs realized

Linked news

2hWU · supplierWestern Union posts Q3 net income $78.0 million, revenues $1,009.3 million

News

Largest filed tie

13F top-10 QoQ

+14.90%

shares held · 10 largest managers

13F · Jun 30 '26128d lag

131 managers

Top fund weight

0.01%

OPRT weight · IWM

N-PORTJun 30 '26

3 funds

Last reportshaded = implied▲▼ = realized× = |realized| ÷ implied

Oportun Financial (OPRT) is expected to report on Feb 25 after close (estimated date).

Implied vs realized

8 reports

2 of 8≥ implied

avg implied: ±18.8%
avg realized: ±11.7%

Feb 12 '25Feb 12 '25confirmed±26.6%▲+8.29%×0.31

May 8 '25May 8 '25confirmed±21.6%▲+9.11%×0.42

Aug 6 '25Aug 6 '25confirmed±21.9%▼−7.26%×0.33

Nov 4 '25Nov 4 '25confirmed±16.0%▲+1.56%×0.10

Q1 FY26Feb 26 '26confirmed±16.2%▼−5.13%×0.32

May 7 '26May 7 '26confirmed±17.9%▼−0.09%×0.01

Q2 FY26Aug 5 '26confirmed±17.8%▲+32.84%×1.84

Nov 3 '26Nov 3 '26confirmed±12.3%thin chain▲+29.58%×2.41

quarterimplied−35%0+35%realized×

Nov '26±12.3%▲+29.58%×2.41

Q2 FY26±17.8%

Shaded = implied · tick ▲▼ = realized · × = |realized| ÷ impliedSource: options EOD · implied at prior close · realized close to close

Implied vs realized

Positioning

OI · 2 expiries · Nov 3 close

0.32OI · 2 expiries · Nov 3 closeP/C open interest · Nov 20 · nearest expiry

PUTS · chgexpiry · days · P/CCALLS · chgP/C

5790%Nov 2016d1,7890%

110%Feb 19107d0.071490%0.07

ExpiryPutsCallsP/C

Nov 2016d5790%1,7890%0.32

Feb 19107d110%1490%0.07

Hatched = puts · solid = calls · bars scaled per expiry · chg = OI vs prior sessionSource: options EOD

Positioning

Linked exposure

No implied move.

Linked exposure

Revenue flow

as filedQ3 FY26

18.12%as filednet margin · revenue +19.82% QoQ · +20.48% YoY

Revenue$127M+19.82%

Pre-tax income$35M+121.41%

Net income$23M18.12%+168.64%

Tax$12M+64.50%

Source: SEC filings · standardized · QE Sep 30 '26 · bars = % of revenue

Revenue flow

Intraday

15m bars

Hatch = extended hours · ▯ up · ▮ downSource: market data · 16:45 ET

Intraday

Event sensitivity

CPROF ×1.23· ±4.1% vs ±3.3% · 12 releases

eventrelease day|move|up · n×base

CPROFcorporate profits±4.1%8 of 12×1.23

PCEpersonal income & outlays±3.6%8 of 19×1.10

GDPgross domestic product±3.6%12 of 19×1.09

PPIproducer prices±3.4%4 of 10×1.04

FOMCrate decision±3.4%12 of 24×1.04

CPIconsumer prices±1.9%5 of 10×0.57

NFPjobs report±1.6%4 of 10×0.48

Bar = avg |move| to ±5% · tick = ±3.3% avg day · ×base = |move| ÷ ±3.3% · min 6 releases

Earnings history

EPS 0.45 · consensus —

Quarter	Reported	EPS	Consensus
Q3 FY26	—	0.45	—
Q2 FY26	Aug 5 '26 · confirmed	0.17	—
Q1 FY26	Feb 26 '26 · confirmed	0.05	—

Source: filed financials

Methodology

ties · implied moves · holdersMethod