Company:  OPORTUN FINANCIAL CORP (OPRT)
Form Type:  424B4
Filing Date:  9/27/2019 
CIK:  0001538716 
Address:  2 CIRCLE STAR WAY 
City, State, Zip:  SAN CARLOS, California 94070 
Telephone:  (650) 810-8823 
Fiscal Year:  12/31 
Last Trade
Last Trade: 
$19.69  
Change: 
0.36 (1.86%)  
Trade Time: 
Nov 15  
Market Cap: 
$531.65M
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© 2019  
Description of Business
Our mission is to provide inclusive, affordable financial services that empower our customers to build a better future. Our customers are hardworking, low-to-moderate income individuals, but with limited or no credit history, almost half of whom are supporting a family. Historically, our target customers have been unable to access credit from traditional financial services companies, and consequently have turned to alternatives with high rates and opaque payment terms ill-suited to their needs, which typically do not help them build a credit history. Establishing a credit history is important--it extends beyond just access to capital to various aspects of day-to-day life, such as credit checks by potential employers, landlords, cable providers and beyond. We have dedicated ourselves to providing our customers with a better alternative.
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  FORM 424B4
    TABLE OF CONTENTS
    PROSPECTUS SUMMARY
    THE OFFERING
    SUMMARY CONSOLIDATED FINANCIAL DATA
    RISK FACTORS
    SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS
    USE OF PROCEEDS
    DIVIDEND POLICY
    CAPITALIZATION
    DILUTION
      BENEFICIAL OWNERS
    SELECTED CONSOLIDATED FINANCIAL DATA
    MANAGEMENT'S DISCUSSION AND ANALYSIS
      Liquidity and Capital Resources
    BUSINESS
      Legal Proceedings
    MANAGEMENT
      NAME AND TITLE
      Compensation Committee Interlocks and Insider Participation
    Non-Employee Director Compensation
    EXECUTIVE COMPENSATION
      COMPENSATION TABLE
      OPTIONS
      2015 Stock Option / Stock Issuance Plan
    CERTAIN RELATIONSHIPS AND RELATED PARTY TRANSACTIONS
    Stock Option Exchange Offer
    Policies and Procedures for Related Party Transactions
    PRINCIPAL AND SELLING STOCKHOLDERS
      BENEFICIAL OWNERS
    DESCRIPTION OF CAPITAL STOCK
    Transfer Agent and Registrar
    DESCRIPTION OF INDEBTEDNESS
    SHARES ELIGIBLE FOR FUTURE SALE
    MATERIAL U.S. FEDERAL INCOME TAX CONSIDERATIONS
    UNDERWRITERS
    LEGAL MATTERS
    EXPERTS
    WHERE YOU CAN FIND MORE INFORMATION
    INDEX TO CONSOLIDATED FINANCIAL STATEMENTS
      REPORT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM
        BALANCE SHEET
        INCOME STATEMENT
        STOCKHOLDERS EQUITY
        CASH FLOW
      NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
    Stock Option Exchange Offer