Oportun Financial Corporation (NASDAQ:OPRT) Q4 2022 Earnings Conference Call March 13, 2023 5:00 PM ET

Company Participants

Dorian Hare – Vice President-Investor Relations

Raul Vazquez – Chief Executive Officer

Jonathan Coblentz – Chief Financial Officer and Chief Administrative Officer

Conference Call Participants

Sanjay Sakhrani – KBW

Matthew Hurwit – Jefferies

Rick Shane – JPMorgan

Hal Goetsch – Loop Capital Markets

David Scharf – JMP Securities

Operator

Hello and welcome to the Oportun Financial Fourth Quarter 2022 Earnings Conference Call and Webcast. [Operator Instructions] A question-and-answer session will follow the formal presentation. As a reminder, this conference is being recorded.

It's now my pleasure to turn the call over to Dorian Hare, Vice President of Investor Relations. Please go ahead, Dorian.

Dorian Hare

Thanks, and hello everyone. With me to discuss Oportun's fourth quarter 2022 results are Raul Vazquez, Chief Executive Officer; and Jonathan Coblentz, Chief Financial Officer and Chief Administrative Officer. I'll remind everyone on the call or webcast that some of the remarks made today will include forward-looking statements related to our business, future results of operations and financial position, planned products and services, business strategy and plans and objectives of management for our future operations. Actual results may differ materially from those contemplated or implied by these forward-looking statements, and we caution you not to place undue reliance on these forward-looking statements. A more detailed discussion of the risk factors that could cause these results to differ materially are set forth in our earnings press release and in our filings with the Securities and Exchange Commission under the caption, Risk Factors, including our upcoming Form 10-K filing for the current quarter ended December 31, 2022. Any forward-looking statements that we make on this call are based on assumptions as of today, and we undertake no obligation to update these statements as a result of new information or future events other than as required by law.

Also on today’s call, we will present both GAAP and non-GAAP financial measures, which we believe can be useful measures for the period-to-period comparisons of our core business, and which will provide useful information to investors regarding our financial condition and results of operations. A full list of definitions can be found in our earnings materials, available at the Investor Relations section on our website. Non-GAAP financial measures are presented in addition to and not as a substitute for financial measures calculated in accordance with GAAP. A reconciliation of non-GAAP to GAAP measures is included in our earnings press release, our fourth quarter 2022 financial supplement and the appendix section of the fourth quarter 2022 earnings presentation, all of which are available at the Investor Relations section of our website at investor.oportun.com. In addition, this call is being webcast, and an archive version will be available after the call, along with a script of our prepared remarks.