Overview Dividends

(OPRT) Oportun Financial - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US68376D1046

Personal Loans, Credit Cards

Consumer Finance
Market Cap in USD: 239m

IPO / Inception: 2019-09-26
Return 12m vs S&P 500: 15.2%

EPS (Earnings per Share)

EPS CAGR: -11.80%
EPS Trend: 5.7%

Last SUE: -1.60
Qual. Beats: 0

Revenue

Rev. CAGR: -1.63%
Rev. Trend: -4.6%

Last SUE: -0.38
Qual. Beats: 0

Dividends

Currently no dividends paid

Risk via 5d forecast
Volatility	73.6%
Value at Risk 5%th	108%
Relative Tail Risk	-10.54%

Reward TTM
Sharpe Ratio	0.69
Alpha	8.21
CAGR/Max DD	-0.02

Character TTM
Hurst Exponent	0.505
Beta	1.495
Beta Downside	2.344

Drawdowns 3y
Max DD	72.80%
Mean DD	40.75%
Median DD	43.27%

Description: OPRT Oportun Financial December 30, 2025

Oportun Financial Corp (NASDAQ:OPRT) is a U.S.-based consumer-finance firm that originated in 2005 and is headquartered in San Carlos, California. It provides unsecured personal loans and credit-card products through a mixed distribution model that includes online channels, call-center sales, and partnerships with retail and “Lending-as-a-Service” (LaaS) locations.

Key operating metrics as of Q2 2024 show a loan portfolio of roughly $1.3 billion, a net loss of $28 million (reflecting higher provisioning), and a delinquency rate of 6.2 %-both figures that track closely with broader economic pressures such as rising consumer interest rates and tightening credit standards in the sub-prime segment. The consumer-finance sector is currently driven by the Fed’s policy stance, which influences loan pricing and borrower affordability, while digital acquisition costs remain a critical lever for growth.

For a deeper, data-rich look at OPRT’s valuation dynamics, you might explore the analytics platform ValueRay.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income (30.6m TTM) > 0 and > 6% of Revenue (6% = 39.4m TTM)

FCFTA 0.12 (>2.0%) and ΔFCFTA 0.08pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 14.23% (prev 10.84%; Δ 3.38pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.12 (>3.0%) and CFO 396.0m > Net Income 30.6m (YES >=105%, WARN >=100%)

Net Debt (2.64b) to EBITDA (84.8m) ratio: 31.11 <= 3.0 (WARN <= 3.5)

Current Ratio 4.15 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (48.3m) change vs 12m ago 20.88% (target <= -2.0% for YES)

Gross Margin 62.31% (prev 55.86%; Δ 6.45pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 20.38% (prev 15.08%; Δ 5.30pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.17 (EBITDA TTM 84.8m / Interest Expense TTM 247.3m) >= 6 (WARN >= 3)

Altman Z'' -0.04

(A) 0.03 = (Total Current Assets 123.0m - Total Current Liabilities 29.7m) / Total Assets 3.19b

(B) -0.07 = Retained Earnings (Balance) -230.7m / Total Assets 3.19b

(D) -0.08 = Book Value of Equity -230.7m / Total Liabilities 2.80b

Total Rating: -0.04 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 54.21

1. Piotroski 2.50pt

2. FCF Yield 13.34%

3. FCF Margin 58.50%

4. Debt/Equity 7.15

5. Debt/Ebitda 31.11

6. ROIC - WACC (= -1.13)%

7. RoE 8.27%

8. Rev. Trend -4.60%

9. EPS Trend 5.67%

What is the price of OPRT shares?

As of January 02, 2026, the stock is trading at USD 5.29 with a total of 249,807 shares traded.
Over the past week, the price has changed by -1.49%, over one month by +3.32%, over three months by -12.85% and over the past year by +35.99%.

Is OPRT a buy, sell or hold?

Oportun Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy OPRT.

Strong Buy: 3
Buy: 0
Hold: 3
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the OPRT price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	8.6	62.2%
Analysts Target Price	8.6	62.2%
ValueRay Target Price	5.3	-0.8%

OPRT Fundamental Data Overview December 26, 2025

Market Cap USD = 238.7m (238.7m USD * 1.0 USD.USD)
P/E Trailing = 7.5139
P/E Forward = 6.4725
P/S = 0.335
P/B = 0.622
Beta = 1.243
Revenue TTM = 656.1m USD
EBIT TTM = 41.4m USD
EBITDA TTM = 84.8m USD
Long Term Debt = 2.73b USD (from longTermDebt, last quarter)
Short Term Debt = 13.3m USD (from shortTermDebt, last quarter)
Debt = 2.74b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.64b USD (from netDebt column, last quarter)
Enterprise Value = 2.88b USD (238.7m + Debt 2.74b - CCE 104.6m)
Interest Coverage Ratio = 0.17 (Ebit TTM 41.4m / Interest Expense TTM 247.3m)
FCF Yield = 13.34% (FCF TTM 383.8m / Enterprise Value 2.88b)
FCF Margin = 58.50% (FCF TTM 383.8m / Revenue TTM 656.1m)
Net Margin = 4.66% (Net Income TTM 30.6m / Revenue TTM 656.1m)
Gross Margin = 62.31% ((Revenue TTM 656.1m - Cost of Revenue TTM 247.3m) / Revenue TTM)
Gross Margin QoQ = 64.98% (prev 63.72%)
Tobins Q-Ratio = 0.90 (Enterprise Value 2.88b / Total Assets 3.19b)
Interest Expense / Debt = 2.06% (Interest Expense 56.6m / Debt 2.74b)
Taxrate = 63.51% (9.05m / 14.2m)
NOPAT = 15.1m (EBIT 41.4m * (1 - 63.51%))
Current Ratio = 4.15 (Total Current Assets 123.0m / Total Current Liabilities 29.7m)
Debt / Equity = 7.15 (Debt 2.74b / totalStockholderEquity, last quarter 383.9m)
Debt / EBITDA = 31.11 (Net Debt 2.64b / EBITDA 84.8m)
Debt / FCF = 6.88 (Net Debt 2.64b / FCF TTM 383.8m)
Total Stockholder Equity = 369.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.96% (Net Income 30.6m / Total Assets 3.19b)
RoE = 8.27% (Net Income TTM 30.6m / Total Stockholder Equity 369.9m)
RoCE = 1.34% (EBIT 41.4m / Capital Employed (Equity 369.9m + L.T.Debt 2.73b))
RoIC = 0.48% (NOPAT 15.1m / Invested Capital 3.14b)
WACC = 1.61% (E(238.7m)/V(2.98b) * Re(11.52%) + D(2.74b)/V(2.98b) * Rd(2.06%) * (1-Tc(0.64)))
Discount Rate = 11.52% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 12.04%
[DCF Debug] Terminal Value 70.97% ; FCFE base≈386.0m ; Y1≈476.1m ; Y5≈812.4m
Fair Price DCF = 181.8 (DCF Value 8.02b / Shares Outstanding 44.1m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 5.67 | EPS CAGR: -11.80% | SUE: -1.60 | # QB: 0
Revenue Correlation: -4.60 | Revenue CAGR: -1.63% | SUE: -0.38 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.32 | Chg30d=+0.000 | Revisions Net=+1 | Analysts=6
EPS next Year (2026-12-31): EPS=1.57 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=+15.6% | Growth Revenue=+4.3%

Additional Sources for OPRT Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle