Oportun Financial Corporation.
OPRT.US | Other credit granting
Oportun Financial Corporation is a financial technology company that provides affordable credit to hardworking, low-to-moderate-income individuals. The company offers unsecured personal loans, secured auto loans, and credit cards. Oportun utilizes advanced data analytics and technology to assess cre...Show More
Better Health for All
0
The provided articles primarily discuss Oportun's financial services, debt collection practices, and regulatory compliance, with a focus on financial inclusion for underserved communities. While financial well-being can indirectly influence health, the articles explicitly state that they do not contain data relevant to direct health outcomes or health-related metrics.
1
The company's core business is financial products (loans, credit cards), not medical treatments, preventative healthcare solutions, or mental/physical wellness programs as defined by the 'Better Health for All' value.
2
Consequently, there is no direct evidence to assess Oportun against any of the specific KPIs in the rubric, which are designed for companies with direct health impacts or health-related products/services. Therefore, all KPIs are omitted due to a lack of relevant, direct evidence.
Fair Money & Economic Opportunity
-20
Oportun serves a high percentage of underserved clients, with more than 89% of customers living in low-to-moderate-income communities.
1
The company is certified as a Community Development Financial Institution (CDFI) by the U.S. Department of the Treasury.
2
Oportun's core personal loan product is capped at a 36% APR.
3
The company has helped more than 1.1 million people begin building a credit score.
4
Oportun partnered with UnidosUS in 2019 to expand a financial literacy program.
5
The company operates in 29 states and has more than 330 retail locations across 9 states, with plans to lend in 30 additional states through a partnership.
6
Fair Pay & Worker Respect
-20
Oportun's employee rating on Glassdoor is 3.4 out of 5 stars, based on 594 reviews.
1
The company offers health insurance, dental, vision, life, supplemental life, and disability insurance, with employee cost-sharing.
2
No regulatory actions, violations, fines, or compliance issues are mentioned in the provided articles, indicating no significant infractions in the past two years.
3
Fair Trade & Ethical Sourcing
0
No evidence available to assess Oportun Financial Corporation on Fair Trade & Ethical Sourcing.
Honest & Fair Business
-20
Nine of ten directors, or 90%, are independent.
1
The company has a formal whistleblower protection policy with a dedicated email address and a confidential reporting hotline that includes live operators and translators,
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but there is no evidence of independent investigation processes.
3
A Code of Business Conduct is in place, requiring annual employee acknowledgment,
4
but specific details on anti-corruption policies and enforcement are not provided,
5
and there is no mention of training frequency or effectiveness metrics.
6
Kind to Animals
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Oportun Financial Corporation is a financial technology company providing loans and credit cards. Its core business model and operations do not involve animal-derived products, animal testing, animal husbandry, or direct impact on wildlife habitats. The provided articles, including the 2022 Corporate Responsibility & Sustainability Report, explicitly state that no data related to animal welfare or the 'Kind to Animals' value is present.
1
No War, No Weapons
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The provided articles do not contain any specific, concrete data points or factual evidence related to Oportun Financial Corporation's involvement in arms manufacturing, military contracts, dual-use technologies, sales to sanctioned regimes, peacebuilding investments, or any other metrics relevant to the 'No War, No Weapons' ethical value. Therefore, no KPIs can be scored based on the available information.
Planet-Friendly Business
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Oportun Financial Corporation's environmental performance data is largely absent from the provided articles. While the company reported purchasing 7,240 tonnes of carbon offsets in 2021 and 2,861 tonnes in 2020, no information on the quality of these offsets or total Scope 1, 2, and 3 emissions is available.
1
The company also reduced 20,448 pounds of CO2 emissions from e-waste and recycling initiatives in 2021, and 6,737 pounds in 2022, and saved 14.85 million pages of loan documents through electronic processing, which saved 3,034 trees.
2
However, these figures do not correspond to specific KPIs like waste diversion rates or total emissions. No data is provided for renewable energy use, water consumption, green building certifications, or any climate targets such as SBTi alignment or a net-zero year.
3
Respect for Cultures & Communities
-50
Oportun Financial Corporation's board of directors for both 2023 and 2024 included 0 Hispanic/Latinx directors out of 10 total directors.
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The company's services are primarily targeted towards the Hispanic community.
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Safe & Smart Tech
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No evidence available to assess Oportun Financial Corporation on Safe & Smart Tech.
Zero Waste & Sustainable Products
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No evidence available to assess Oportun Financial Corporation on Zero Waste & Sustainable Products.