(OPRT) Oportun Financial - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US68376D1046
Stock: Personal Loans, Credit Cards
Total Rating 22
Risk 66
Buy Signal -0.85
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 77.8% |
| Relative Tail Risk | -12.7% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.35 |
| Alpha | -18.87 |
| Character TTM | |
|---|---|
| Beta | 1.533 |
| Beta Downside | 2.222 |
| Drawdowns 3y | |
|---|---|
| Max DD | 72.01% |
| CAGR/Max DD | -0.08 |
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 |
| FCF/TA: 0.12 > 0.02 and ΔFCF/TA 0.08 > 1.0 |
| NWC/Revenue: 14.23% < 20% (prev 10.84%; Δ 3.38% < -1%) |
| CFO/TA 0.12 > 3% & CFO 396.0m > Net Income 30.6m |
| Net Debt (2.64b) to EBITDA (84.8m): 31.11 < 3 |
| Current Ratio: 4.15 > 1.5 & < 3 |
| Outstanding Shares: last quarter (48.3m) vs 12m ago 20.88% < -2% |
| Gross Margin: 62.31% > 18% (prev 0.56%; Δ 6175 % > 0.5%) |
| Asset Turnover: 20.38% > 50% (prev 15.08%; Δ 5.30% > 0%) |
| Interest Coverage Ratio: 0.17 > 6 (EBITDA TTM 84.8m / Interest Expense TTM 247.3m) |
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 -230.7m / Total Assets 3.19b) |
| C: 0.01 (EBIT TTM 41.4m / Avg Total Assets 3.22b) |
| D: -0.08 (Book Value of Equity -230.7m / Total Liabilities 2.80b) |
| Altman-Z'' Score: -0.04 = B |
Beneish M -3.22
| DSRI: 0.73 (Receivables 8.39m/8.54m, Revenue 656.1m/490.4m) |
| GMI: 0.90 (GM 62.31% / 55.86%) |
| AQI: 0.99 (AQ_t 0.96 / AQ_t-1 0.97) |
| SGI: 1.34 (Revenue 656.1m / 490.4m) |
| TATA: -0.11 (NI 30.6m - CFO 396.0m) / TA 3.19b) |
| Beneish M-Score: -3.22 (Cap -4..+1) = AA |
What is the price of OPRT shares?
As of February 07, 2026, the stock is trading at USD 5.62 with a total of 563,038 shares traded.
Over the past week, the price has changed by +3.69%, over one month by +7.87%, over three months by +19.83% and over the past year by +4.27%.
Over the past week, the price has changed by +3.69%, over one month by +7.87%, over three months by +19.83% and over the past year by +4.27%.
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?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 8.3 | 46.8% |
| Analysts Target Price | 8.3 | 46.8% |
| ValueRay Target Price | 5.9 | 5.3% |
OPRT Fundamental Data Overview February 03, 2026
P/E Trailing = 7.6338
P/E Forward = 6.4725
P/S = 0.3356
P/B = 0.6311
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 (239.2m + Debt 2.74b - CCE 104.6m)
Interest Coverage Ratio = 0.17 (Ebit TTM 41.4m / Interest Expense TTM 247.3m)
EV/FCF = 7.50x (Enterprise Value 2.88b / FCF TTM 383.8m)
FCF Yield = 13.33% (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 = 21.0% (US default 21%)
NOPAT = 32.7m (EBIT 41.4m * (1 - 21.00%))
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 = 0.95% (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 = 1.04% (NOPAT 32.7m / Invested Capital 3.14b)
WACC = 2.43% (E(239.2m)/V(2.98b) * Re(11.57%) + D(2.74b)/V(2.98b) * Rd(2.06%) * (1-Tc(0.21)))
Discount Rate = 11.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 12.04%
[DCF Debug] Terminal Value 88.43% ; FCFF base≈386.0m ; Y1≈476.1m ; Y5≈810.8m
Fair Price DCF = 475.3 (EV 23.61b - Net Debt 2.64b = Equity 20.97b / Shares 44.1m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 5.67 | EPS CAGR: -11.80% | SUE: -1.41 | # 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=-0.005 | Revisions Net=-1 | Analysts=5
EPS next Year (2026-12-31): EPS=1.57 | Chg30d=-0.000 | Revisions Net=-3 | Growth EPS=+17.0% | Growth Revenue=+4.1%
P/E Forward = 6.4725
P/S = 0.3356
P/B = 0.6311
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 (239.2m + Debt 2.74b - CCE 104.6m)
Interest Coverage Ratio = 0.17 (Ebit TTM 41.4m / Interest Expense TTM 247.3m)
EV/FCF = 7.50x (Enterprise Value 2.88b / FCF TTM 383.8m)
FCF Yield = 13.33% (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 = 21.0% (US default 21%)
NOPAT = 32.7m (EBIT 41.4m * (1 - 21.00%))
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 = 0.95% (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 = 1.04% (NOPAT 32.7m / Invested Capital 3.14b)
WACC = 2.43% (E(239.2m)/V(2.98b) * Re(11.57%) + D(2.74b)/V(2.98b) * Rd(2.06%) * (1-Tc(0.21)))
Discount Rate = 11.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 12.04%
[DCF Debug] Terminal Value 88.43% ; FCFF base≈386.0m ; Y1≈476.1m ; Y5≈810.8m
Fair Price DCF = 475.3 (EV 23.61b - Net Debt 2.64b = Equity 20.97b / Shares 44.1m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 5.67 | EPS CAGR: -11.80% | SUE: -1.41 | # 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=-0.005 | Revisions Net=-1 | Analysts=5
EPS next Year (2026-12-31): EPS=1.57 | Chg30d=-0.000 | Revisions Net=-3 | Growth EPS=+17.0% | Growth Revenue=+4.1%