Oportun Customers Save $6.5 Million on Holidays in 2025, a 30% Increase

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Oportun (Nasdaq: OPRT) released its 2025 Holiday Savings Report showing members saved $6.5 million year-to-date, a 30% increase from 2024. The report covers Set & Save holiday-tagged goals from January through September 2025 and highlights stronger household preparedness for a costlier holiday season.

Key metrics: average member saved $1,051 Jan–Sep 2025; Q3 catch-up savings $431 (Q3 average, +10% YoY); average Q3 withdrawals of $605; top saver states: Kansas, Washington, Colorado; lowest: North Carolina, Michigan, Idaho. The report also notes a consistent 20%+ year-start increase in deadline-driven goals.

Positive

Total holiday savings reached $6.5M, +30% YoY
Average member savings of $1,051 Jan–Sep 2025
Third-quarter holiday savings averaged $431, +10% YoY
Deadline-driven goals rose 20%+ from year-end to year-start

Negative

Members averaged $605 in withdrawals in Q3
Lowest average holiday savings in 2025: North Carolina, Michigan, Idaho
New deadline goals growth slowed each subsequent quarter in 2025

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11/19/2025 – 12:12 PM

The Oportun 2025 Holiday Savings Report highlights rising participation in automated Set & Save™ accounts and stronger household preparedness for a potentially more expensive holiday season

SAN CARLOS, Calif., Nov. 19, 2025 — Oportun (Nasdaq: OPRT) today shared results from its 2025 Holiday Savings Report showing that Americans are saving more aggressively for this year’s holiday season. Having saved over $6.5 million so far this year, a 30% increase from 2024, consumers appear to be budgeting for a rise in holiday spending in 2025.

“Whether due to inflation, travel, or personal plans, the data leads us to believe that many Americans expect to spend more this holiday season than last year,” said Annie Ma, Oportun Head of Savings. “The good news is that people are proving to be savvy savers, leaning into automated savings products early to help relieve their financial stress during the holidays.”

The Oportun Holiday Savings Report analyzes member year-over-year savings amounts and behaviors for those savings goals tagged as “holiday” in its Set & Save product. Key findings from the 2025 report indicate:

Members saved an average of $1,051 between January 2025 and September 2025.
Members accelerated their catch-up savings over the summer, saving an average of $431 towards holiday goals in the third quarter, an increase of 10% compared to the same period last year.
Kansas, Washington, and Colorado were the top three saver states with an average of over $1,200 in holiday savings by members in each state. Washington was also a top-three-performing state in 2024. North Carolina, Michigan, and Idaho had the lowest levels of savings in 2025.
On average, members withdrew $605 from their accounts over the third quarter, continuing an annual pattern of saving through the summer, then beginning to withdraw funds by the start of October. These withdrawals could indicate that members experienced other priority expenses or that they began shopping early to lock in anticipated discounts.
On average, members saved $148 in the first 30 days after creating a holiday savings account.

Additionally, this year’s report tracked the overall number of deadline-driven goals or accounts created throughout the year. It found that, over the last two years, there has been a consistent 20%+ increase in goals with deadlines from the end of the prior year to the beginning of the next, with the number of new deadline goals slowing every subsequent quarter throughout the year.

“Consumers are more likely to commit to intentional savings goals at the start of each year,” continued Ma. “This report and our members’ overall experiences reinforce the mantra of start strong and stay consistent with your savings—your future self will thank you.”

About Set & Save
Named the #1 savings app for 2024 and 2025 by Bankrate, Set & Save helps members automatically set aside money for an unlimited number of savings goals. Using artificial intelligence (AI), its smart savings feature learns member income and spending habits to identify and then automatically transfers “safe-to-save” funds into a separate savings account. Oportun members have saved more than $12.3 billion in total using Set & Save since 2015, with an average annual savings of $1,800 per member.

About Oportun
Oportun (Nasdaq: OPRT) is a mission-driven financial services company that puts its members’ financial goals within reach. With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers members with the confidence to build a better financial future. Since inception, Oportun has provided more than $21.3 billion in responsible and affordable credit, saved its members more than $2.5 billion in interest and fees, and helped its members save an average of more than $1,800 annually. For more information, visit Oportun.com.

Contacts
Investor Contact
Dorian Hare
(650) 590-4323
[email protected]

Media Contact
Michael Azzano
Cosmo PR for Oportun
(415) 596-1978
[email protected]

Photos accompanying this announcement are available at

https://www.globenewswire.com/NewsRoom/AttachmentNg/02d22892-0f84-4ef0-a73f-c402c3e8245b

https://www.globenewswire.com/NewsRoom/AttachmentNg/aa60ee86-1321-4111-8c21-0650448d91dd

Oportun Customers Save .5 Million on Holidays in 2025, a 30% Increase

FAQ

How much have Oportun members saved for the 2025 holiday season (OPRT)?

Members saved $6.5 million year-to-date for 2025, a 30% increase from 2024.

What was the average Oportun (OPRT) member holiday savings Jan–Sep 2025?

The average member saved $1,051 between January and September 2025.

How did Oportun members perform in Q3 2025 on holiday savings (OPRT)?

Members saved an average of $431 toward holiday goals in Q3 2025, up 10% YoY, and withdrew an average of $605.

Which states had the highest and lowest holiday savings on Oportun (OPRT) in 2025?

Top saver states: Kansas, Washington, Colorado. Lowest: North Carolina, Michigan, Idaho.

What trend did Oportun (OPRT) report for deadline-driven savings goals in 2025?

The company found a consistent 20%+ increase in deadline-driven goals from year-end to the next year-start, with growth slowing each quarter thereafter.

What does the Oportun (OPRT) report suggest about consumer holiday preparedness for 2025?

The data indicate consumers are budgeting for higher holiday spending in 2025 and are increasingly using automated savings accounts to prepare.

Oportun Financial Corp