Patrick Kirscht - 10 Mar 2026 Form 4 Insider Report for Oportun Financial Corp (OPRT)

Role: Chief Credit Officer
Signature: /s/Kathleen Layton (Attorney-in-Fact)
Issuer symbol: OPRT
Transactions as of: 10 Mar 2026
Net transactions value: -$266,065
Form type: 4
Filing time: 12 Mar 2026, 18:09:03 UTC
Previous filing: 05 Jan 2026
SEC: View on sec.gov

Reporting Owners (1)

Name	Relationship	Address	Signature	Signature date	CIK
Kirscht Patrick	Chief Credit Officer	OPORTUN FINANCIAL CORPORATION, 1825 SOUTH GRANT STREET, SUITE 850, SAN MATEO	/s/Kathleen Layton (Attorney-in-Fact)	12 Mar 2026	0001786250

Transactions Table

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Ownership	Footnotes
transaction	OPRT	Common Stock	Sale	$59,285	-12,099	-2.4%	$4.90	481,818	10 Mar 2026	Direct	F1
transaction	OPRT	Common Stock	Sale	$42,463	-8,666	-1.8%	$4.90	473,152	10 Mar 2026	Direct	F1
transaction	OPRT	Common Stock	Sale	$69,443	-14,172	-3%	$4.90	458,980	10 Mar 2026	Direct	F1
transaction	OPRT	Common Stock	Sale	$94,874	-19,362	-4.2%	$4.90	439,618	10 Mar 2026	Direct	F1
transaction	OPRT	Common Stock	Award		+75,047	+17%		514,665	10 Mar 2026	Direct	F2, F3

Derivative Securities (e.g., puts, calls, warrants, options, convertible securities)

Type	Sym	Class	Transaction	Value $	Shares	Change %	* Price $	Shares After	Date	Underlying Class	Amount	Exercise Price	Ownership	Footnotes
transaction	OPRT	Performance Stock Units	Award		+37,524			37,524	10 Mar 2026	Common Stock	37,524		Direct	F4, F5

* An asterisk sign (*) next to the price indicates that the price is likely invalid.

Explanation of Responses:

Id	Content
F1	Weighted average price. These shares were sold in multiple transactions at prices ranging from $4.805 to $4.995 per share, inclusive. The Reporting Person undertakes to provide to the Issuer, any security holder of the Issuer, or to the staff of the Securities and Exchange Commission, upon request, full information regarding the number of shares sold at each separate price within the range set forth in this footnote.
F2	The Restricted Stock Units (RSU) vest in 3 equal annual installments from the vesting commencement date of March 10, 2026, subject to the continued service of the Reporting Person on each vesting date.
F3	Each RSU represents the right to receive, at settlement, one share of common stock.
F4	Represents PSUs that are eligible to vest based on a one-year performance period for Economic ROA (as defined in the PSU Award Agreement). Earned PSUs will be deferred until the end of year three, at which point they will be subject to a modifier based on the Issuer's relative total shareholder return (rTSR) performance against the Russell 3000 Index before vesting. The rTSR performance period spans three (3) years covering calendar years 2026 through 2028. The number of PSUs reported in the table reflects the number of units subject to the award at target achievement. Actual vesting will be based on percentile performance, with potential payout ranging from 0% to 125% of the target units. In addition to such performance requirements, the PSUs are subject to satisfying service-based requirements and any PSUs that become Eligible Units (as defined in the PSU Award Agreement) will be scheduled to vest on March 10, 2029.
F5	Each Performance-Based RSU (PSU) represents the right to receive, at settlement, one share of common stock.