Dorian Hare
Investor Relations
Replay available
Oportun Financial Corporation (NASDAQ: OPRT) Q3 2025 earnings conference call, held 2025-11-04. Replay captured from the company's public earnings webcast.

Investor Relations
Chief Executive Officer
Treasurer, Head of Capital Markets & Interim CFO
Analyst, JP Morgan
Analyst, Sedoti
Analyst, Jefferies
Watch the replay and follow the connected company analysis, news, and investor updates for Oportun Financial Corporation.
WEBVTT 00:00:00.031 -- 00:00:04.957 Greetings and welcome to the OPPORTUNE Financial Third Quarter 2025 Earnings Call. 00:00:04.957 -- 00:00:07.820 At this time, all participants are in a listen-only mode. 00:00:07.820 -- 00:00:11.244 A question and answer session will follow the full presentation. 00:00:11.244 -- 00:00:15.189 If anyone should require operator assistance, please press star zero on your telephone 00:00:15.189 -- 00:00:19.013 keypad. As a reminder, this conference is being recorded. 00:00:19.013 -- 00:00:22.958 It is now my pleasure to introduce your host, Dorian Hare of Investor Relations. 00:00:22.958 -- 00:00:23.999 Thank you. You may begin. 00:00:23.999 -- 00:00:25.999 Thanks, 00:00:26.682 -- 00:00:31.800 and hello, everyone. With me to discuss OPPORTUNE's third quarter 2025 results 00:00:31.800 -- 00:00:36.887 are Raul Vasquez, Chief Executive Officer, and Paul Appleton, our Treasurer, Head of 00:00:36.887 -- 00:00:41.130 Capital Markets, and Interim Chief Financial Officer. 00:00:41.232 -- 00:00:45.778 I remind everyone on the call or webcast that some of the remarks made today will include 00:00:45.778 -- 00:00:50.044 forward-looking statements related to our business, future results of operations, and 00:00:50.044 -- 00:00:55.511 financial position, including projections, adjusted ROE attainment, and expected originations 00:00:55.511 -- 00:01:00.946 growth, planned products and services, business strategy, expense savings measures, 00:01:00.946 -- 00:01:04.851 and plans and objectives of management for future operations. 00:01:04.851 -- 00:01:09.438 Actual results may differ materially from those contemplated or implied by these forward-looking 00:01:09.438 -- 00:01:13.543 statements, and we question you not to place undue reliance on these fo...