Oportun Financial Corporation (OPRT)

Consumer lender with contact centers in Mexico. Read November 11, 2026 from the annual report for the period ending December 31, 2025, filed February 27, 2026. Ranked 128 of the 173 Financial Services companies read so far, by the share within reach now.

A consumer lender whose filing states full-time and part-time parts and a count in Mexico with its contact centers.

The figures on this page come from the company's own annual report and from BLS staffing patterns for its industries, never from a roster. They are estimates with a stated method. Nothing here says what the company will do: within reach is not a forecast of jobs lost or of savings.

What follows from the reading

Share of working time within reach of AI, on the long-run pace at four in five: 56% now, 64% at the end of 2027, 65% at the end of 2028, 66% at the end of 2030. By the patterns, the work is about 66% desk work, 29% people work and 6% body work. These are the site's industry estimates weighted by the shares below: estimates with a stated method and range, not a forecast of what the company will do. By the same patterns, at the end of 2028 about 35% of the working time stays with people (conversation, in-person and hands-on work), 54% becomes checking a model's work and 10% could be handed over with lighter checks, from the industries' own figures, not the company's roles.

Headcount

2,488 employees as of December 31, 2025 (sum of stated parts). Not stated. The filing counts 1,580 employees in Mexico, including those of its two contact centers.

The filing: “We had 2,405 full-time and 83 part-time employees worldwide as of December 31, 2025.”

The workforce as industry patterns

What the filing says about the workforce: 2,405 full-time and 83 part-time employees; 1,580 employees in Mexico, including the two contact centers.

Companies read with the same leading pattern

Other companies whose largest staffing pattern is also Nondepository Credit Intermediation, largest first, each read from its own annual report. Within reach now and at the end of 2028, long-run pace, four in five. Now is projected from METR's April 2026 measurement and Epoch's November 2026 index.

• American Express Company (AXP, 76,800 employees)56% now, 68% by 2028
• Rocket Companies, Inc. (RKT, 23,500 employees)52% now, 62% by 2028
• FirstCash Holdings, Inc (FCFS, 22,000 employees)55% now, 68% by 2028
• Synchrony Financial (SYF, 20,000 employees)56% now, 68% by 2028
• OneMain Holdings, Inc. (OMF, 9,300 employees)56% now, 68% by 2028
• UWM Holdings Corporation (UWMC, 9,100 employees)55% now, 69% by 2028
• EZCORP, Inc. (EZPW, 8,500 employees)56% now, 68% by 2028
• Rithm Capital Corp. (RITM, 7,240 employees)54% now, 66% by 2028

What the filing says about AI

8 sentences in the filing name AI. The filing says it applies artificial intelligence, specifically machine learning, in its lending and savings platform to learn members' cash flow and automate savings.

• “By applying artificial intelligence ("A.I.") to automate their financial health through adequate savings and credit when they need it, we believe we can address the very real daily financial needs of millions of people living in the U.S.”
• “Through machine learning, Oportun gets a comprehensive and personalized profile of our members' cash flow and very quickly learns how much a member can afford to set aside each day, without impacting their ongoing obligations and daily spending needs.”
• “Use of Artificial Intelligence Consistent with our mission of financial inclusion, our application of A.I., specifically machine learning, is designed to address the shortcomings 6 of the modern banking system.”
• “Since our inception, we have utilized alternative data sets to rapidly build, test and develop our underwriting, pricing, marketing, fraud and servicing models; and with Set & Save, we offer machine learning capabilities that help members identify the right amount of money to put towards savings each day.”
• “We leverage machine learning to rapidly build and test strategies across the member lifecycle, including through targeted digital marketing, underwriting, pricing, fraud and member servicing.”

Its annual reports, year by year

Sentences naming AI in each annual report, counted by one rule, beside the median report in the Index that year. Each count links its filing. Every company, by year and sector

• Fiscal 202110median 0
• Fiscal 202210median 0
• Fiscal 20238median 1
• Fiscal 20248median 4
• Fiscal 20258median 10

Headcount by filing year

As reported in each year's annual report, with the filing. A year marked not read had no figure the reading could take from the report's text.

Limits of this reading

• The contact centers have no count of their own; their share is by description within the Mexico count.
• The collector's 79,949 is not a workforce count, and the data service's 2,405 is the full-time count alone.

Source: the company's annual report on EDGAR, accession 0001538716-26-000015, the filing. Read by Claude Fable 5.2 under rubric version 1, by the method. A company can write to info@stratussc.com to have its reading checked against its filing.