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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ( Mark One ) ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31 , 2020 TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from Delaware State or Other Jurisdiction of Incorporation or Organization or to OPORTUN FINANCIAL CORPORATION ( Exact Name of Registrant as Specified in its Charter ) 2 Circle Star Way San Carlos , CA Address of Principal Executive Offices Commission File Number 001-39050 Large accelerated filer □ Accelerated filer > Non - accelerated filer I.R.S. Employer Identification No. 45-3361983 ( 650 ) 810-8823 Registrant's Telephone Number , Including Area Code Securities registered pursuant to Section 12 ( b ) of the Act : Title of each class Trading Symbol ( s ) OPRT Common Stock , $ 0.0001 par value per share Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or 15 ( d ) of the Act . Yes No X Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing uirements for the past 90 days . Yes > No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( § 232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . Yes No 94070 Zip Code Name of each exchange on which registered Nasdaq Global Select Market Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , smaller reporting company , or an emerging growth company . See the definitions of " large accelerated filer , " " accelerated filer , " " smaller reporting company , " and " emerging growth company " in Rule 12b - 2 of the Exchange Act . Smaller reporting company X Emerging growth company ☐ If an emerging growth company , indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13 ( a ) of the Exchange Act . The number of shares of registrant's common stock outstanding as of February 16 , 2021 was 27,702,889 . DOCUMENTS INCORPORATED BY REFERENCE Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issued its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . Yes No X The aggregate market value of the common stock held by non - affiliates of the registrant , based on the closing price of a share of common stock on June 30 , 2020 as reported by the Nasdaq Global Select Market on such date was approximately $ 186.1 million . Shares of the registrant's common stock held by each executive officer , director and holder of 5 % or more of the outstanding common stock have been excluded in that such persons may be deemed to be affiliates . This calculation does not reflect a determination that certain persons are affiliates of the registrant for any other purpose . The information required by Part III ( Items 10 , 11 , 12 , 13 , and 14 ) is incorporated by reference from the registrant's Definitive Proxy Statement for its 2020 Annual Meeting to be filed with the Securities and Exchange Commission pursuant to Regulation 14A .