{"schema":"rootz.ai/filing-signals/v1","query":{"ticker":"OPRT","limit":50},"count":50,"signals":[{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"ai_adoption","strength":100,"match_count":20,"context":"and borrowers experience to meet and exceed the expectations of our target members.  Unsecured Personal LoansOur personal loan is a simple-to-understand, affordable, unsecured, fully amortizing installment loan with fixed payments throughout the life of the loan. We charge fixed interest rates on our loans, which vary based on the amount disbursed and other factors, with a cap of 36% annual percenta","filed_date":"2026-02-27","accession":"0001538716-26-000015","full_text":"https://origin.rootz.global/static/filing/0001538716-26-000015.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":86,"context":"esentations or warranties are found to be false and such error is not cured within a cure period, bankruptcy or insolvency of either party, receipt of an order or judgment by a governmental entity, a material adverse effect, or a change of control. If our bank partnership arrangement with Pathward were to be suspended or limited, including a reduction in the volume of loans that Pathward chooses to originate, or if Path","filed_date":"2026-02-27","accession":"0001538716-26-000015","full_text":"https://origin.rootz.global/static/filing/0001538716-26-000015.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":46,"context":"tigation, and regulatory proceedings. The  21 Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2025-11-05","accession":"0001538716-25-000105","full_text":"https://origin.rootz.global/static/filing/0001538716-25-000105.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":46,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2025-08-07","accession":"0001538716-25-000082","full_text":"https://origin.rootz.global/static/filing/0001538716-25-000082.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":46,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2025-05-09","accession":"0001538716-25-000043","full_text":"https://origin.rootz.global/static/filing/0001538716-25-000043.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"ai_adoption","strength":100,"match_count":15,"context":"r no credit history, the Financial Health Network found that Oportun loans are, on average, 7 times less expensive than other options and up to 16 times less expensive as compared to online-only installment products. In addition, the study found that our unsecured personal loan product has helped borrowers save more than $2.4 billion in interest and fees. While many of the people who come to us are n","filed_date":"2025-02-20","accession":"0001538716-25-000013","full_text":"https://origin.rootz.global/static/filing/0001538716-25-000013.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":102,"context":"esentations or warranties are found to be false and such error is not cured within a cure period, bankruptcy or insolvency of either party, receipt of an order or judgment by a governmental entity, a material adverse effect, or a change of control. If our bank partnership arrangement with Pathward were to be suspended or limited, or if Pathward ceased their operations or otherwise terminated their relationship with us,","filed_date":"2025-02-20","accession":"0001538716-25-000013","full_text":"https://origin.rootz.global/static/filing/0001538716-25-000013.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":43,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2024-11-12","accession":"0001538716-24-000138","full_text":"https://origin.rootz.global/static/filing/0001538716-24-000138.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":18,"context":"(b) is or should have been (in accordance with the Policies and Procedures) statused as a lost or stolen Account on the Processing System as of the Preliminary Cut-Off Time or Closing Effective Time. Material Adverse Effect shall mean a material adverse effect on the financial condition or operations of the business related to any of the Parties or the Acquired Assets and the Assumed Liabilities taken as a whole. No-Sho","filed_date":"2024-09-26","accession":"0001538716-24-000123","full_text":"https://origin.rootz.global/static/filing/0001538716-24-000123.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":43,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2024-08-09","accession":"0001538716-24-000106","full_text":"https://origin.rootz.global/static/filing/0001538716-24-000106.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":35,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2024-05-10","accession":"0001538716-24-000060","full_text":"https://origin.rootz.global/static/filing/0001538716-24-000060.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"ai_adoption","strength":100,"match_count":13,"context":"r no credit history, the Financial Health Network found that Oportun loans are, on average, 7 times less expensive than other options and up to 16 times less expensive as compared to online-only installment products. In addition, the study found that our unsecured personal loan product has helped borrowers save more than $2.4 billion in interest and fees. While many of the people who come to us are n","filed_date":"2024-03-15","accession":"0001538716-24-000032","full_text":"https://origin.rootz.global/static/filing/0001538716-24-000032.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":85,"context":"esentations or warranties are found to be false and such error is not cured within a cure period, bankruptcy or insolvency of either party, receipt of an order or judgment by a governmental entity, a material adverse effect, or a change of control. If our bank partnership arrangement with Pathward were to be suspended or limited, or if Pathward ceased their operations or otherwise terminated their relationship with us,","filed_date":"2024-03-15","accession":"0001538716-24-000032","full_text":"https://origin.rootz.global/static/filing/0001538716-24-000032.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":56,"context":"n Documents of any Loan Party, except, in each case referred to in clauses (i) or (ii), to the extent that such violation could not reasonably be expected, individually or in the aggregate, to have a Material Adverse Effect. (b)As of the date hereof and after giving effect to this Amendment, no authorization or approval or other action by, and no notice to or filing with, any Governmental Authority or any other Person (","filed_date":"2024-03-14","accession":"0001538716-24-000028","full_text":"https://origin.rootz.global/static/filing/0001538716-24-000028.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":29,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2023-11-09","accession":"0001538716-23-000178","full_text":"https://origin.rootz.global/static/filing/0001538716-23-000178.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":24,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2023-08-09","accession":"0001538716-23-000131","full_text":"https://origin.rootz.global/static/filing/0001538716-23-000131.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":24,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2023-05-10","accession":"0001538716-23-000073","full_text":"https://origin.rootz.global/static/filing/0001538716-23-000073.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"ai_adoption","strength":100,"match_count":22,"context":"r no credit history, the Financial Health Network found that Oportun loans are, on average, 6 times less expensive than other options and up to 24 times less expensive as compared to online-only installment products. In addition, the study found that our unsecured personal loan product has helped borrowers save more than $2.3 billion in interest and fees. While many of the people who come to us are n","filed_date":"2023-03-14","accession":"0001538716-23-000035","full_text":"https://origin.rootz.global/static/filing/0001538716-23-000035.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":32,"context":"er. If we are unable to recover our marketing costs through increases in the size, value or overall number of credit products we originate, or other product selection and utilization, it could have a material adverse effect on our business, financial condition, results of operations, and prospects. We may fail to realize all of the anticipated benefits of the Digit acquisition, and the merger or those benefits may take","filed_date":"2023-03-14","accession":"0001538716-23-000035","full_text":"https://origin.rootz.global/static/filing/0001538716-23-000035.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":28,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2022-11-08","accession":"0001538716-22-000218","full_text":"https://origin.rootz.global/static/filing/0001538716-22-000218.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":28,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2022-08-09","accession":"0001538716-22-000166","full_text":"https://origin.rootz.global/static/filing/0001538716-22-000166.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":28,"context":"r litigation, and regulatory proceedings. The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  See Part II. Item 1. Legal Proceedings for additional information regarding legal proceedings in which the Company is invol","filed_date":"2022-05-10","accession":"0001538716-22-000105","full_text":"https://origin.rootz.global/static/filing/0001538716-22-000105.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"strategic_event","strength":100,"match_count":14,"context":"ent of Deloitte & Touche, LLP as our independent registered public accounting firm for the year ending December 31, 2022. | | |  |  |  | | |  |  |  3) |  |  To approve, on an advisory basis, Oportuns named executive officer compensation, as described in the proxy materials. | | |  |  |  | | |  |  |  4) |  |  To conduct any other business properly brought before the Annual Meeting. | | |  |  | | |  Record Date: |  |  The","filed_date":"2022-04-28","accession":"0001193125-22-127724","full_text":"https://origin.rootz.global/static/filing/0001193125-22-127724.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"ai_adoption","strength":100,"match_count":18,"context":"no credit history, the Financial Health Network found that Oportun loans are, on average, six times less expensive than other options and up to 25 times less expensive as compared to online-only installment products. In addition, the study found that our unsecured personal loan product has helped borrowers save more than $2.0 billion in interest and fees. While many of the people who come to us are n","filed_date":"2022-03-01","accession":"0001538716-22-000019","full_text":"https://origin.rootz.global/static/filing/0001538716-22-000019.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":28,"context":"r, current market conditions may make it difficult to extend the maturity of or refinance our existing indebtedness or obtain new indebtedness with similar terms and any failure to do so could have a material adverse effect on our business. The debt capital available to us in the future, if available at all, may bear a higher interest rate and may be available only on terms and conditions less favorable than those of ou","filed_date":"2022-03-01","accession":"0001538716-22-000019","full_text":"https://origin.rootz.global/static/filing/0001538716-22-000019.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":23,"context":"r litigation. Other than as described in this report, we are not presently a party to any legal proceedings that, if determined adversely to us, we believe would individually or taken together have a material adverse effect on our business, financial condition, cash flows or results of operations. Item 1A. Risk Factors Investing in our common stock involves a high degree of risk. Any of the following risks could have an","filed_date":"2021-11-04","accession":"0001538716-21-000236","full_text":"https://origin.rootz.global/static/filing/0001538716-21-000236.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":23,"context":"r litigation. Other than as described in this report, we are not presently a party to any legal proceedings that, if determined adversely to us, we believe would individually or taken together have a material adverse effect on our business, financial condition, cash flows or results of operations. Item 1A. Risk Factors Investing in our common stock involves a high degree of risk. Any of the following risks could have an","filed_date":"2021-08-06","accession":"0001538716-21-000154","full_text":"https://origin.rootz.global/static/filing/0001538716-21-000154.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":27,"context":"r litigation. Other than as described in this report, we are not presently a party to any legal proceedings that, if determined adversely to us, we believe would individually or taken together have a material adverse effect on our business, financial condition, cash flows or results of operations. Item 1A. Risk Factors Investing in our common stock involves a high degree of risk. Any of the following risks could have an","filed_date":"2021-05-07","accession":"0001538716-21-000099","full_text":"https://origin.rootz.global/static/filing/0001538716-21-000099.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"strategic_event","strength":100,"match_count":16,"context":"ent of Deloitte & Touche, LLP as our independent registered public accounting firm for the year ending December 31, 2021. | | |  |  |  | | |  |  |  3) |  |  To approve, on an advisory basis, Oportuns named executive officer compensation, as described in the proxy materials. | | |  |  |  | | |  |  |  4) |  |  To conduct any other business properly brought before the Annual Meeting. | | |  |  | | |  Record Date |  |  The","filed_date":"2021-04-28","accession":"0001193125-21-135245","full_text":"https://origin.rootz.global/static/filing/0001193125-21-135245.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"ai_adoption","strength":100,"match_count":16,"context":"ve emerged as alternatives to banks, often are focused on customers with credit scores and robust credit histories. Other non-bank finance companies, including national and regional branch-based installment loan businesses, may serve those with damaged credit, but also place significant emphasis on credit scores and credit history. These lenders may also sell products such as credit insurance, which","filed_date":"2021-02-23","accession":"0001538716-21-000030","full_text":"https://origin.rootz.global/static/filing/0001538716-21-000030.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":28,"context":"order to avoid the time and expense of litigating them. Although none of the settlements has been material to our business, there is no assurance that, in the future, such settlements will not have a material adverse effect on our business.  In addition, a number of participants in the consumer financial services industry have been the subject of putative class action lawsuits, state attorney general actions and other s","filed_date":"2021-02-23","accession":"0001538716-21-000030","full_text":"https://origin.rootz.global/static/filing/0001538716-21-000030.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":28,"context":"r litigation. Other than as described in this report, we are not presently a party to any legal proceedings that, if determined adversely to us, we believe would individually or taken together have a material adverse effect on our business, financial condition, cash flows or results of operations. Item 1A. Risk Factors Summary Risk Factors  Investing in our common stock involves a high degree of risk. If any of the fact","filed_date":"2020-11-12","accession":"0001538716-20-000182","full_text":"https://origin.rootz.global/static/filing/0001538716-20-000182.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":29,"context":"nd shareholder claims. Other than as described above, we are not presently a party to any legal proceedings that, if determined adversely to us, we believe would individually or taken together have a material adverse effect on our business, financial condition, cash flows or results of operations. See Note 15, Leases, Commitments and Contingencies, in the accompanying Notes to the Condensed Consolidated Financial Statem","filed_date":"2020-08-07","accession":"0001538716-20-000118","full_text":"https://origin.rootz.global/static/filing/0001538716-20-000118.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":12,"context":"aw (other than non-compliance that has no adverse effect on the obligations of the Obligor and creates no financial liability or other loss, cost or expense for the Issuer and does not have any other Material Adverse Effect) (b)with respect to which all consents, licenses, approvals or authorizations of, or registrations or declarations with, any Governmental Authority required to be obtained, effected or given by the S","filed_date":"2020-05-27","accession":"0001538716-20-000045","full_text":"https://origin.rootz.global/static/filing/0001538716-20-000045.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":29,"context":"nd shareholder claims. Other than as described above, we are not presently a party to any legal proceedings that, if determined adversely to us, we believe would individually or taken together have a material adverse effect on our business, financial condition, cash flows or results of operations. See Note 15, Leases, Commitments and Contingencies, in the accompanying Notes to the Condensed Consolidated Financial Statem","filed_date":"2020-05-15","accession":"0001538716-20-000039","full_text":"https://origin.rootz.global/static/filing/0001538716-20-000039.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"strategic_event","strength":100,"match_count":26,"context":"tte & Touche, LLP as our independent registered public accounting firm for the year ending December 31, 2020. | | |  |  |  | | |  |  |  3) |  |  To approve, on an advisory non-binding basis, Oportuns named executive officer compensation, as described in the proxy materials. | | |  |  |  | | |  |  |  4) |  |  To approve, on an advisory non-binding basis, the frequency of future stockholder votes on Oportuns named executi","filed_date":"2020-04-28","accession":"0001193125-20-123021","full_text":"https://origin.rootz.global/static/filing/0001193125-20-123021.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"ai_adoption","strength":100,"match_count":15,"context":"that have the potential for higher income in the future, rather than the low-to-moderate income customers we serve. Other non-bank finance companies, including national and regional branch-based installment loan businesses, may serve those with damaged credit, but also place significant emphasis on credit scores and credit history. These lenders may also sell products such as credit insurance, which","filed_date":"2020-02-28","accession":"0001538716-20-000005","full_text":"https://origin.rootz.global/static/filing/0001538716-20-000005.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":27,"context":"order to avoid the time and expense of litigating them. Although none of the settlements has been material to our business, there is no assurance that, in the future, such settlements will not have a material adverse effect on our business. In addition, a number of participants in the consumer financial services industry have been the subject of putative class action lawsuits, state attorney general actions and other st","filed_date":"2020-02-28","accession":"0001538716-20-000005","full_text":"https://origin.rootz.global/static/filing/0001538716-20-000005.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"risk_factor","strength":100,"match_count":29,"context":"order to avoid the time and expense of litigating them. Although none of the settlements has been material to our business, there is no assurance that, in the future, such settlements will not have a material adverse effect on our business.  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The Company is not presently a party to any other legal proceedings that, if determined adversely to the Company, would individually or taken together have a material adverse effect on its business, financial condition, cash flows or results of operations.  | | | 16. | Related Party Transactions | | On September 14, 2022, the Company entered into the Original Credit Agreement to","filed_date":"2026-08-06","accession":"0001538716-26-000067","full_text":"https://origin.rootz.global/static/filing/0001538716-26-000067.html","verify":"Read the filing at the full_text URL and search for the context string to verify this signal."},{"ticker":"OPRT","company":"Oportun Financial Corp","exchange":"Nasdaq","sector":"Finance Services","signal_type":"ai_adoption","strength":96,"match_count":12,"context":"it history and are \"mis-scored,\" primarily because they have a credit history that is too limited to be accurately scored by credit bureaus. 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