SEC FORM 3

SEC FORM 3SEC Form 3

FORM 3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

INITIAL STATEMENT OF BENEFICIAL OWNERSHIP OF SECURITIES

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

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1. Name and Address of Reporting Person^*

Rana Gaurav

(Last)

(First)

(Middle)

OPORTUN FINANCIAL CORPORATION

1825 SOUTH GRANT STREET, SUITE 850

(Street)

SAN MATEO

CALIFORNIA

94402

(City)

(State)

(Zip)

UNITED STATES

(Country)

2. Date of Event Requiring Statement (Month/Day/Year)
04/04/2026

3. Issuer Name and Ticker or Trading Symbol
Oportun Financial Corp [ OPRT ]

3a. Foreign Trading Symbol

5. If Amendment, Date of Original Filed (Month/Day/Year)

4. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director	10% Owner
X	Officer (give title below)	Other (specify below)
	CO-PEO, GM OF LENDING

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Beneficially Owned
1. Title of Security (Instr. 4)	2. Amount of Securities Beneficially Owned (Instr. 4)	3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	4. Nature of Indirect Beneficial Ownership (Instr. 5)
Common Stock	180,031⁽¹⁾⁽²⁾⁽³⁾	D
Common Stock	25	I	By Spouse⁽⁴⁾

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 4)	2. Date Exercisable and Expiration Date (Month/Day/Year)		3. Title and Amount of Securities Underlying Derivative Security (Instr. 4)		4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
1. Title of Derivative Security (Instr. 4)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares	4. Conversion or Exercise Price of Derivative Security	5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5)	6. Nature of Indirect Beneficial Ownership (Instr. 5)
Stock Option (Right to Buy)	⁽⁵⁾	08/31/2027	Common Stock	4,228	$23.65	D
Stock Option (Right to Buy)	⁽⁵⁾	06/27/2029	Common Stock	10,775	$18.04	D
Stock Option (Right to Buy)	⁽⁵⁾	03/09/2030	Common Stock	12,950	$19	D
Stock Option (Right to Buy)	⁽⁵⁾	03/09/2031	Common Stock	4,856	$21.26	D
Stock Option (Right to Buy)	⁽⁵⁾	03/09/2032	Common Stock	17,529	$13.26	D

Explanation of Responses:

1. Includes 6,789 unvested restricted stock units ("RSUs") from a previous grant dated June 14, 2024. 1/3 of the total number of shares subject to the RSU award vests annually until the award is fully vested on March 10, 2027, subject to the continued service of the Reporting Person on each vesting date.

2. Includes 23,405 unvested RSUs from a previous grant dated December 20, 2024. 1/3 of the total number of shares subject to the RSU award vests annually until the award is fully vested on December 10, 2027, subject to the continued service of the Reporting Person on each vesting date.

3. Includes 80,306 unvested RSUs from a previous grant dated December 31, 2025. 1/3 of the total number of shares subject to the RSU award vests annually until the award is fully vested on December 10, 2028, subject to the continued service of the Reporting Person on each vesting date.

4. Shares of Common Stock owned by the Reporting Person's spouse.

5. The Stock Option is fully vested.

Remarks:

	/s/Kathleen Layton (Attorney-in-Fact)	04/10/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 5 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 3: SEC 1473 (03-26)

SEC Form 3 filed by new insider Rana Gaurav