OPRT Stock Analysis: Oportun Financial | NASDAQ
Credit Services | NASDAQ, USA | Market Cap: 430m USD | 12M Return: 74.5% | US68376D1046 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.85M
Qual. Beats: 1
Rev. Trend: 88.2%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Oportun Financial Corporation (NASDAQ: OPRT) is a U.S.-based consumer finance company founded in 2005 and headquartered in San Mateo, California, that provides personal loans and credit cards. It operates as a digital-first lender, serving customers online, by phone, and through retail and Lending as a Service partner locations, and went public in September 2019. Classified within the GICS Consumer Finance sub-industry, the company operates as a micro-cap with a market capitalization of $296 million.
The consumer finance sub-industry typically targets borrowers who are underserved by mainstream banks, including near-prime and non-prime consumers. The Lending as a Service (LaaS) model used by OPRT involves originating loans through third-party partner channels, which is a less capital-intensive approach than operating a standalone balance sheet lender.
- Rising delinquencies drive elevated loan loss provisions
- State rate cap regulations compress personal loan margins
- Credit card segment growth offsets personal loan revenue declines
| Net Income: 19.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.13 > 0.02 and ΔFCF/TA 0.73 > 1.0 |
| NWC/Revenue: 29.21% < 20% (prev 13.89%; Δ 15.32% < -1%) |
| CFO/TA 0.13 > 3% & CFO 420.9m > Net Income 19.5m |
| Net Debt (2.53b) to EBITDA (77.5m): 32.72 < 3 |
| Current Ratio: 17.70 > 1.5 & < 3 |
| Outstanding Shares: last quarter (49.0m) vs 12m ago 2.21% < -2% |
| Gross Margin: 70.20% > 18% (prev 59.79%; Δ 10.41% > 0.5%) |
| Asset Turnover: 21.67% > 50% (prev 19.14%; Δ 2.53% > 0%) |
| Interest Coverage Ratio: 0.20 > 6 (EBIT TTM 40.0m / Interest Expense TTM 204.5m) |
| A: 0.06 (Total Current Assets 212.4m - Total Current Liabilities 12.0m) / Total Assets 3.13b |
| B: -0.07 (Retained Earnings -216.4m / Total Assets 3.13b) |
| C: 0.01 (EBIT TTM 40.0m / Avg Total Assets 3.17b) |
| D: 0.15 (Book Value of Equity 407.1m / Total Liabilities 2.72b) |
| Altman-Z'' = 0.44 = B |
As of October 29, 2026, the stock is trading at USD 9.77 with a total of 660,564 shares traded. Over the past week, the price has changed by +4.60%, over one month by +18.00%, over three months by +70.21% and over the past year by +74.46%.
Current recommended Stop Loss: 9.30 (which is 4.8% or 1.3 ATR below the current price).
Oportun Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy OPRT.
- StrongBuy: 2
- Buy: 0
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 11.5 | 17.7% |
P/E Trailing = 23.35
P/E Forward = 5.5066
P/S = 0.5773
P/B = 0.9578
Revenue TTM = 686.0m USD
EBIT TTM = 40.0m USD
EBITDA TTM = 77.5m USD
Long Term Debt = 2.65b USD (from longTermDebt, last quarter)
Short Term Debt = 12.0m USD (from shortTermDebt, last quarter)
Debt = 2.67b USD (from shortLongTermDebtTotal, last quarter) + Leases 12.0m
Net Debt = 2.53b USD (calculated: Debt 2.67b - CCE 139.6m)
Enterprise Value = 2.96b USD (429.5m + Debt 2.67b - CCE 139.6m)
Interest Coverage Ratio = 0.20 (Ebit TTM 40.0m / Interest Expense TTM 204.5m)
EV/FCF = 7.25x (Enterprise Value 2.96b / FCF TTM 408.6m)
FCF Yield = 13.78% (FCF TTM 408.6m / Enterprise Value 2.96b)
FCF Margin = 59.56% (FCF TTM 408.6m / Revenue TTM 686.0m)
Net Margin = 2.84% (Net Income TTM 19.5m / Revenue TTM 686.0m)
Gross Margin = 70.20% ((Revenue TTM 686.0m - Cost of Revenue TTM 204.5m) / Revenue TTM)
Gross Margin QoQ = 82.03% (prev 66.39%)
Tobins Q-Ratio = 0.95 (Enterprise Value 2.96b / Total Assets 3.13b)
Interest Expense / Debt = 7.65% (Interest Expense 204.5m / Debt 2.67b)
Taxrate = 45.51% (7.10m / 15.6m)
NOPAT = 21.8m (EBIT 40.0m * (1 - 45.51%))
Current Ratio = 17.70 (Total Current Assets 212.4m / Total Current Liabilities 12.0m)
Debt / Equity = 6.57 (Debt 2.67b / totalStockholderEquity, last quarter 407.1m)
Debt / EBITDA = 32.72 (Net Debt 2.53b / EBITDA 77.5m)
Debt / FCF = 6.20 (Net Debt 2.53b / FCF TTM 408.6m)
Total Stockholder Equity = 394.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.62% (Net Income 19.5m / Total Assets 3.13b)
RoE = 4.95% (Net Income TTM 19.5m / Total Stockholder Equity 394.3m)
RoCE = 1.31% (EBIT 40.0m / Capital Employed (Equity 394.3m + L.T.Debt 2.65b))
RoIC = 0.70% (NOPAT 21.8m / Invested Capital 3.09b)
WACC = 5.36% (E(429.5m)/V(3.10b) * Re(12.76%) + D(2.67b)/V(3.10b) * Rd(7.65%) * (1-Tc(0.46)))
Discount Rate = 12.76% (= CAPM, Blume Beta Adj.) -> capped to 12.54%
Shares (quarterly) Correlation: 92.36 | Cagr: 10.75%
[DCF] Terminal Value 75.90% ; FCFF base≈403.0m ; Y1≈416.6m ; Y5≈467.8m
[DCF] Fair Price = 102.1 (EV 7.23b - Net Debt 2.53b = Equity 4.70b / Shares 46.0m; r=8.35% [WACC [floored]]; 5y FCF grow 3.56% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.95 | # QB: 1
Revenue Correlation: 88.18 | Revenue CAGR: 13.20% | SUE: 0.02 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.45 | Chg30d=-1.90% | Revisions=-12% | Analysts=5
EPS current Year (2026-12-31): EPS=1.58 | Chg30d=-0.15% | Revisions=+38% | GrowthEPS=+15.9% | GrowthRev=-1.2%
EPS next Year (2027-12-31): EPS=1.95 | Chg30d=-1.41% | Revisions=+62% | GrowthEPS=+23.9% | GrowthRev=+5.2%
[Analyst] Revisions Ratio: +39% (up=11, down=4)