Overview Dividends

(OPRT) Oportun Financial - Ratings and Ratios

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

Personal Loans, Credit Cards

OPRT EPS (Earnings per Share)

EPS (Earnings per Share) of OPRT over the last years for every Quarter: "2020-09": 0.15, "2020-12": 0.6, "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,
EPS Growth (3Y CAGR): -1.87%
EPS Trend (3Y Correlation): 54.0%

OPRT Revenue

Revenue of OPRT over the last years for every Quarter: 2020-09: 93.7, 2020-12: 114.6, 2021-03: 110.241, 2021-06: 120.189, 2021-09: 139.4, 2021-12: 160.5, 2022-03: 205.014, 2022-06: 145.214, 2022-09: 146.983, 2022-12: 143.4, 2023-03: 4.8, 2023-06: 118.625, 2023-09: 221.255, 2023-12: 262.7, 2024-03: 250.482, 2024-06: 196.152, 2024-09: 249.951, 2024-12: 167.087, 2025-03: 235.904, 2025-06: 164.088, 2025-09: null,
Revenue Growth (3Y CAGR): 4.08%
Revenue Trend (3Y Correlation): 39.1%

Description: OPRT Oportun Financial October 27, 2025

Oportun Financial Corp. (NASDAQ:OPRT) is a U.S.-based consumer-finance firm that originated in 2005 and now offers unsecured personal loans and credit cards through digital channels, phone sales, and a network of retail and “Lending-as-a-Service” partners. Its headquarters are in San Carlos, California, and it operates under the GICS sub-industry “Consumer Finance.”

Key metrics as of the most recent quarter show a loan portfolio of roughly $1.3 billion with an average loan size of $2,200, while net loss per share has narrowed to $0.07 after a year-over-year improvement in credit-loss provisions. The business is sensitive to macro-economic factors such as the Federal Reserve’s interest-rate policy and the health of the sub-prime credit market, which together drive both demand for affordable credit and delinquency rates.

For a deeper, data-driven look at Oportun’s valuation and risk profile, you may find it worthwhile to explore the company’s analyst page on ValueRay.

OPRT Stock Overview

Market Cap in USD 229m
Sub-Industry Consumer Finance
IPO / Inception 2019-09-26

OPRT Stock Ratings

Growth Rating 22.3%
Fundamental 53.9%
Dividend Rating -
Return 12m vs S&P 500 57.9%
Analyst Rating 4.0 of 5

OPRT Dividends

Currently no dividends paid

OPRT Growth Ratios

Growth Correlation 3m -52.9%
Growth Correlation 12m 57.1%
Growth Correlation 5y -70.8%
CAGR 5y 7.41%
CAGR/Max DD 3y (Calmar Ratio) 0.10
CAGR/Mean DD 3y (Pain Ratio) 0.19
Sharpe Ratio 12m 0.49
Alpha 82.61
Beta 1.312
Volatility 77.08%
Current Volume 518.6k
Average Volume 20d 493.3k
Stop Loss 5 (-6.2%)
Signal 0.11

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (-4.57m TTM) > 0 and > 6% of Revenue (6% = 49.0m TTM)
FCFTA 0.12 (>2.0%) and ΔFCFTA 0.45pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 10.02% (prev 3.48%; Δ 6.54pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA 0.13 (>3.0%) and CFO 405.4m > Net Income -4.57m (YES >=105%, WARN >=100%)
Net Debt (-81.8m) to EBITDA (60.4m) ratio: -1.35 <= 3.0 (WARN <= 3.5)
Current Ratio 6.47 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (47.9m) change vs 12m ago 20.28% (target <= -2.0% for YES)
Gross Margin 60.95% (prev 31.60%; Δ 29.35pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 25.33% (prev 28.63%; Δ -3.30pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio 0.11 (EBITDA TTM 60.4m / Interest Expense TTM 246.4m) >= 6 (WARN >= 3)

Altman Z'' -0.10

(A) 0.03 = (Total Current Assets 96.8m - Total Current Liabilities 15.0m) / Total Assets 3.20b
(B) -0.07 = Retained Earnings (Balance) -235.9m / Total Assets 3.20b
(C) 0.01 = EBIT TTM 27.2m / Avg Total Assets 3.23b
(D) -0.08 = Book Value of Equity -235.9m / Total Liabilities 2.83b
Total Rating: -0.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 53.92

1. Piotroski 3.0pt = -2.0
2. FCF Yield data missing
3. FCF Margin 48.29% = 7.50
4. Debt/Equity 0.04 = 2.50
5. Debt/Ebitda -1.35 = 2.50
6. ROIC - WACC (= -9.60)% = -12.00
7. RoE -1.29% = -0.21
8. Rev. Trend 39.07% = 2.93
9. EPS Trend 53.99% = 2.70

What is the price of OPRT shares?

As of November 02, 2025, the stock is trading at USD 5.33 with a total of 518,558 shares traded.
Over the past week, the price has changed by -6.49%, over one month by -13.61%, over three months by -13.05% and over the past year by +91.73%.

Is Oportun Financial a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Oportun Financial is currently (November 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 53.92 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OPRT is around 5.01 USD . This means that OPRT is currently overvalued and has a potential downside of -6%.

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 8.7 62.7%
Analysts Target Price 8.7 62.7%
ValueRay Target Price 5.7 6.4%

OPRT Fundamental Data Overview October 20, 2025

Market Cap USD = 228.8m (228.8m USD * 1.0 USD.USD)
P/E Forward = 6.4725
P/S = 0.3158
P/B = 0.6918
Beta = 1.312
Revenue TTM = 817.0m USD
EBIT TTM = 27.2m USD
EBITDA TTM = 60.4m USD
Long Term Debt = 2.75b USD (from longTermDebt, last quarter)
Short Term Debt = 15.0m USD (from shortTermDebt, last quarter)
Debt = 15.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -81.8m USD (from netDebt column, last quarter)
Enterprise Value = 147.0m USD (228.8m + Debt 15.0m - CCE 96.8m)
Interest Coverage Ratio = 0.11 (Ebit TTM 27.2m / Interest Expense TTM 246.4m)
FCF Yield = 268.4% (FCF TTM 394.6m / Enterprise Value 147.0m)
FCF Margin = 48.29% (FCF TTM 394.6m / Revenue TTM 817.0m)
Net Margin = -0.56% (Net Income TTM -4.57m / Revenue TTM 817.0m)
Gross Margin = 60.95% ((Revenue TTM 817.0m - Cost of Revenue TTM 319.1m) / Revenue TTM)
Gross Margin QoQ = 63.72% (prev 44.86%)
Tobins Q-Ratio = 0.05 (Enterprise Value 147.0m / Total Assets 3.20b)
Interest Expense / Debt = 397.7% (Interest Expense 59.5m / Debt 15.0m)
Taxrate = 31.96% (3.23m / 10.1m)
NOPAT = 18.5m (EBIT 27.2m * (1 - 31.96%))
Current Ratio = 6.47 (Total Current Assets 96.8m / Total Current Liabilities 15.0m)
Debt / Equity = 0.04 (Debt 15.0m / totalStockholderEquity, last quarter 376.0m)
Debt / EBITDA = -1.35 (Net Debt -81.8m / EBITDA 60.4m)
Debt / FCF = -0.21 (Net Debt -81.8m / FCF TTM 394.6m)
Total Stockholder Equity = 355.9m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.14% (Net Income -4.57m / Total Assets 3.20b)
RoE = -1.29% (Net Income TTM -4.57m / Total Stockholder Equity 355.9m)
RoCE = 0.88% (EBIT 27.2m / Capital Employed (Equity 355.9m + L.T.Debt 2.75b))
RoIC = 0.59% (NOPAT 18.5m / Invested Capital 3.15b)
WACC = 10.18% (E(228.8m)/V(243.8m) * Re(10.85%) + (debt cost/tax rate unavailable))
Discount Rate = 10.85% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 11.55%
[DCF Debug] Terminal Value 72.86% ; FCFE base≈391.2m ; Y1≈482.6m ; Y5≈823.4m
Fair Price DCF = 201.3 (DCF Value 8.86b / Shares Outstanding 44.0m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 53.99 | EPS CAGR: -1.87% | SUE: -0.72 | # QB: 0
Revenue Correlation: 39.07 | Revenue CAGR: 4.08% | SUE: -1.57 | # QB: 0

Additional Sources for OPRT Stock

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