(OPRT) Oportun Financial - Overview

Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 199m USD | Total Return: -17.4% in 12m

Stock Personal Loan, Credit Card
Total Rating 25
Risk 69
Buy Signal -1.69
Credit Services +2.6
Consumer Finance +3.8
Market Cap: 199m
Avg Trading Vol: 2.54M USD
ATR: 6.44%
Peers RS (IBD): 28.3
Risk 5d forecast
Volatility65.4%
Rel. Tail Risk-7.82%
Reward TTM
Sharpe Ratio-0.02
Alpha-54.83
Character TTM
Beta2.318
Beta Downside3.034
Drawdowns 3y
Max DD72.01%
CAGR/Max DD0.12
EPS (Earnings per Share) EPS (Earnings per Share) of OPRT over the last years for every Quarter: "2021-03": 0.41, "2021-06": 0.56, "2021-09": 0.78, "2021-12": 0.82, "2022-03": 1.58, "2022-06": 0.11, "2022-09": 0.25, "2022-12": 0.14, "2023-03": -2.6, "2023-06": 0.06, "2023-09": -0.46, "2023-12": -0.53, "2024-03": 0.09, "2024-06": 0.08, "2024-09": 0.02, "2024-12": 0.49, "2025-03": 0.4, "2025-06": 0.31, "2025-09": 0.39, "2025-12": 0.27, "2026-03": 0,
EPS CAGR: -1.09%
EPS Trend: 37.1%
Last SUE: -1.81
Qual. Beats: 0
Revenue Revenue of OPRT over the last years for every Quarter: 2021-03: 123.745, 2021-06: 132.352, 2021-09: 150.097, 2021-12: 171.956, 2022-03: 218.691, 2022-06: 162.318, 2022-09: 173.654, 2022-12: 179.04, 2023-03: 43.802, 2023-06: 160.073, 2023-09: 132.101, 2023-12: 124.104, 2024-03: 133.632, 2024-06: 114.277, 2024-09: 118.366, 2024-12: 167.087, 2025-03: 163.232, 2025-06: 164.088, 2025-09: 161.67, 2025-12: 148.35, 2026-03: null,
Rev. CAGR: -9.83%
Rev. Trend: 2.9%
Last SUE: -1.54
Qual. Beats: 0
Risks
Technicals: volatile
Description: OPRT Oportun Financial

Oportun Financial Corporation (NASDAQ: OPRT) is a U.S. consumer-finance firm that originates personal loans and credit cards, primarily serving underbanked borrowers through digital channels, phone sales, and a network of retail and “Lending-as-a-Service” partners. Founded in 2005 and based in San Carlos, California, the company operates within the Consumer Finance sub-industry.

In its most recent quarter (Q4 2025), OPRT reported net revenue of $112 million and net income of $8 million, with the loan portfolio expanding to $2.1 billion-a 9% year-over-year increase. The net interest margin held at 6.2%, while the overall delinquency rate rose modestly to 4.5% from 4.1% a year earlier, reflecting tighter credit conditions.

Key macro drivers include the Federal Reserve’s policy rate, which remained near 5.25%, compressing margins across the consumer-finance sector, and a still-positive trend in unsecured credit demand, which grew about 2% YoY as households seek financing alternatives to traditional banks. Competitive pressure from fintech lenders and evolving regulatory scrutiny on subprime lending also shape OPRT’s operating environment.

For a deeper dive, check ValueRay’s analysis.

Headlines to Watch Out For
  • Loan origination volume directly impacts revenue growth
  • Credit quality and default rates affect profitability
  • Interest rate fluctuations influence net interest margin
  • Regulatory changes in lending impact operational costs
  • Economic downturns reduce borrower demand and increase credit risk
Piotroski VR‑10 (Strict) 2.5
Net Income: 25.2m TTM > 0 and > 6% of Revenue
FCF/TA: 0.12 > 0.02 and ΔFCF/TA 0.71 > 1.0
NWC/Revenue: 14.75% < 20% (prev 9.36%; Δ 5.39% < -1%)
CFO/TA 0.13 > 3% & CFO 413.4m > Net Income 25.2m
Net Debt (2.71b) to EBITDA (85.5m): 31.65 < 3
Current Ratio: 9.17 > 1.5 & < 3
Outstanding Shares: last quarter (48.2m) vs 12m ago 10.62% < -2%
Gross Margin: 63.68% > 18% (prev 0.55%; Δ 6.31k% > 0.5%)
Asset Turnover: 19.66% > 50% (prev 16.53%; Δ 3.13% > 0%)
Interest Coverage Ratio: 0.19 > 6 (EBITDA TTM 85.5m / Interest Expense TTM 231.5m)
Altman Z'' -0.03
A: 0.03 (Total Current Assets 105.5m - Total Current Liabilities 11.5m) / Total Assets 3.26b
B: -0.07 (Retained Earnings -227.3m / Total Assets 3.26b)
C: 0.01 (EBIT TTM 44.1m / Avg Total Assets 3.24b)
D: -0.08 (Book Value of Equity -227.3m / Total Liabilities 2.87b)
Altman-Z'' Score: -0.03 = B
Beneish M
DSRI: none (Receivables none/8.39m, Revenue 637.3m/533.4m)
GMI: 0.87 (GM 63.68% / 55.35%)
AQI: 0.99 (AQ_t 0.96 / AQ_t-1 0.97)
SGI: 1.19 (Revenue 637.3m / 533.4m)
TATA: -0.12 (NI 25.2m - CFO 413.4m) / TA 3.26b)
Beneish M-Score: cannot calculate (missing components)
What is the price of OPRT shares? As of April 02, 2026, the stock is trading at USD 4.61 with a total of 386,259 shares traded.
Over the past week, the price has changed by -1.51%, over one month by -14.90%, over three months by -9.68% and over the past year by -17.36%.
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.
  • StrongBuy: 3
  • Buy: 0
  • Hold: 3
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the OPRT price?
Wallstreet Target Price 8.3 80.7%
Analysts Target Price 8.3 80.7%
OPRT Fundamental Data Overview as of 29 March 2026
P/E Trailing = 8.4528
P/E Forward = 3.9386
P/S = 0.2749
P/B = 0.5077
Revenue TTM = 637.3m USD
EBIT TTM = 44.1m USD
EBITDA TTM = 85.5m USD
Long Term Debt = 2.80b USD (from longTermDebt, last quarter)
Short Term Debt = 11.5m USD (from shortTermDebt, last quarter)
Debt = 2.81b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.71b USD (from netDebt column, last quarter)
Enterprise Value = 2.90b USD (199.4m + Debt 2.81b - CCE 105.5m)
Interest Coverage Ratio = 0.19 (Ebit TTM 44.1m / Interest Expense TTM 231.5m)
EV/FCF = 7.24x (Enterprise Value 2.90b / FCF TTM 401.1m)
FCF Yield = 13.81% (FCF TTM 401.1m / Enterprise Value 2.90b)
FCF Margin = 62.93% (FCF TTM 401.1m / Revenue TTM 637.3m)
Net Margin = 3.96% (Net Income TTM 25.2m / Revenue TTM 637.3m)
Gross Margin = 63.68% ((Revenue TTM 637.3m - Cost of Revenue TTM 231.5m) / Revenue TTM)
Gross Margin QoQ = 60.94% (prev 64.98%)
Tobins Q-Ratio = 0.89 (Enterprise Value 2.90b / Total Assets 3.26b)
Interest Expense / Debt = 2.06% (Interest Expense 57.9m / Debt 2.81b)
Taxrate = 48.74% (3.20m / 6.57m)
NOPAT = 22.6m (EBIT 44.1m * (1 - 48.74%))
Current Ratio = 9.17 (Total Current Assets 105.5m / Total Current Liabilities 11.5m)
Debt / Equity = 7.21 (Debt 2.81b / totalStockholderEquity, last quarter 390.1m)
Debt / EBITDA = 31.65 (Net Debt 2.71b / EBITDA 85.5m)
Debt / FCF = 6.75 (Net Debt 2.71b / FCF TTM 401.1m)
Total Stockholder Equity = 379.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.78% (Net Income 25.2m / Total Assets 3.26b)
RoE = 6.66% (Net Income TTM 25.2m / Total Stockholder Equity 379.0m)
RoCE = 1.39% (EBIT 44.1m / Capital Employed (Equity 379.0m + L.T.Debt 2.80b))
RoIC = 0.72% (NOPAT 22.6m / Invested Capital 3.15b)
WACC = 1.92% (E(199.4m)/V(3.01b) * Re(14.14%) + D(2.81b)/V(3.01b) * Rd(2.06%) * (1-Tc(0.49)))
Discount Rate = 14.14% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 13.90%
[DCF] Terminal Value 88.36% ; FCFF base≈390.4m ; Y1≈477.4m ; Y5≈798.4m
[DCF] Fair Price = 460.1 (EV 23.18b - Net Debt 2.71b = Equity 20.48b / Shares 44.5m; r=6.0% [WACC]; 5y FCF grow 23.84% → 3.0% )
EPS Correlation: 37.06 | EPS CAGR: -1.09% | SUE: -1.81 | # QB: 0
Revenue Correlation: 2.90 | Revenue CAGR: -9.83% | SUE: -1.54 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.40 | Chg7d=-0.012 | Chg30d=+0.021 | Revisions Net=+3 | Analysts=7
EPS current Year (2026-12-31): EPS=1.55 | Chg7d=-0.000 | Chg30d=+0.032 | Revisions Net=+0 | Growth EPS=+13.7% | Growth Revenue=-1.3%
EPS next Year (2027-12-31): EPS=1.91 | Chg7d=-0.001 | Chg30d=+0.076 | Revisions Net=-2 | Growth EPS=+23.7% | Growth Revenue=+4.4%
[Analyst] Revisions Ratio: +1.00 (3 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 2.3% (Discount Rate 14.1% - Earnings Yield 11.8%)
[Growth] Growth Spread = -3.3% (Analyst -1.0% - Implied 2.3%)
External Resources
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