Oportun Financial Corporation OPRT
- Market cap
- $385.8M
- P/E
- 21.4×
Follow OPRT
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | — | 14.22 | 5.26 | 15.35 | 4.03 | 2.13 | 2.05 | 3.45 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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||
| — | — | — | 25.84 | 24.28 | 27.95 | 21.39 | 8.06 | 4.60 | 9.25 |
High Price
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| — | — | 3,094,000,000 | 2,663 | 3,149 | 3,042 | 3,235 | 2,465 | 2,429 | 2,488 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 249 | 361 | 498 | 600 | 584 | 627 | 953 | 1,057 | 1,002 | 957 |
Revenue
|
|||
| 0.00% | 89.92% | 90.57% | 89.91% | 90.00% | 92.39% | 90.23% | 83.02% | 76.23% | 75.80% |
Gross Margin
|
|||
| 16 | 2 | 170 | 84 | (58) | 63 | (75) | (254) | (115) | 44 |
EBT
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| 6.45% | 0.57% | 34.18% | 14.07% | (9.95%) | 10.02% | (7.90%) | (24.00%) | (11.50%) | 4.61% |
EBT Margin
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|||
| 4 | (10) | 123 | 62 | (45) | 47 | (78) | (180) | (79) | 25 |
Net Income
|
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| — | 11 | 12 | 14 | 20 | 27 | 156 | 55 | 51 | 41 |
Depreciation
|
|||
| 9.25 | 149.17 | 192.46 | 64.21 | 21.36 | 22.23 | 29.02 | 28.66 | 24.82 | 20.61 |
Revenue/Sh
|
|||
| 0.16 | (4.22) | 47.73 | 0.46 | (1.65) | 1.56 | (2.37) | (4.88) | (1.95) | 0.53 |
Earnings/Sh
|
|||
| 3.67 | 57.49 | 53.52 | 23.36 | 5.59 | 5.80 | 7.55 | 10.65 | 9.75 | 8.91 |
Cash Flow/Sh
|
|||
| 0.00 | (4.97) | (6.94) | (2.81) | (0.80) | (0.94) | (1.49) | (0.85) | (0.48) | (0.52) |
Capex/Sh
|
|||
| 3.67 | 52.52 | 46.58 | 20.56 | 4.80 | 4.86 | 6.06 | 9.80 | 9.28 | 8.38 |
Free CF/Sh
|
|||
| 8.33 | 0.00 | 134.04 | 52.29 | 17.07 | 21.42 | 16.68 | 10.97 | 8.77 | 8.40 |
Book Value/Sh
|
|||
| 27 | 2 | 3 | 9 | 27 | 28 | 33 | 37 | 40 | 46 |
Shares
|
|||
| 40.43 | 40.43 | 40.43 | 5.83 | 0.00 | 12.35 | 0.00 | 0.00 | 0.00 | 9.80 |
PE Ratio
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|||
| 0.00 | 0.00 | 0.00 | 0.37 | 0.91 | 0.91 | 0.19 | 0.13 | 0.16 | 0.26 |
PS Ratio
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| 0.54 | 0.54 | 0.54 | 0.46 | 1.13 | 0.95 | 0.34 | 0.35 | 0.44 | 0.63 |
PB Ratio
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| 0.00 | 0.00 | 0.00 | 2.78 | 3.04 | 3.87 | 2.82 | 2.45 | 2.54 | 2.82 |
EV/Sales
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| 6.02 | 6.02 | 6.02 | 8.69 | 13.54 | 17.69 | 13.50 | 7.16 | 6.79 | 6.95 |
EV/FCF
|
|||
| 99 | 139 | 138 | 218 | 153 | 163 | 248 | 393 | 394 | 413 |
Op' Cash Flow
|
|||
| (14) | (12) | (18) | (26) | (22) | (26) | (49) | (31) | (19) | (24) |
Capex
|
|||
| 99 | 127 | 120 | 192 | 131 | 137 | 199 | 362 | 374 | 389 |
FCF
|
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| — | — | 1,666 | 2,075 | 1,881 | 2,601 | 3,379 | 3,168 | 2,993 | 3,073 |
Working Cap'
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| 708 | 956 | 1,338 | 1,583 | 1,414 | 2,046 | 2,705 | 2,651 | 2,600 | 2,656 |
Total Debt
|
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| 708 | 956 | 1,209 | 1,446 | 1,245 | 1,853 | 2,501 | 2,445 | 2,386 | 2,457 |
Net Debt
|
|||
| 224 | 0 | 347 | 489 | 467 | 604 | 548 | 404 | 354 | 390 |
Sh' Equity
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| 0.92% | (2.13%) | 1.91% | 0.22% | (2.14%) | 1.91% | (2.37%) | (5.12%) | (2.37%) | 0.78% |
ROA
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| 0.00% | 0.14% | 6.83% | 2.73% | (2.12%) | 1.60% | (1.54%) | (5.56%) | (2.63%) | 0.97% |
ROIC
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| (9.40%) | 21.71% | 88.17% | 1.48% | (9.44%) | 8.86% | (13.50%) | (37.80%) | (20.75%) | 6.79% |
ROE
|
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Oportun Financial Corporation peers in Credit Services
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| FINV PPDAI Group Inc. Sponsored ADR | $406.7M | 2.8× | Compare |
| FOA Finance of America Companies Inc. | $365.5M | 0.0× | Compare |
| PMTS CPI Card Group Inc. | $289.8M | 20.6× | Compare |
| RM Regional Management Corp. | $280.5M | 6.1× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| OPFI OppFi Inc. | $531.7M | 1.9× | Compare |
| MFIN Medallion Financial Corp. | $271.6M | 8.5× | Compare |
| HTT High Templar Tech Limited - Sponsored ADR | $226.5M | 4.0× | Compare |
| TROO TROOPS, Inc. | $219.9M | 0.0× | Compare |
Oportun Financial Corporation (OPRT) key facts
- Oportun Financial Corporation (OPRT) is a Credit Services company in the Financial sector, listed on Nasdaq.
- Oportun Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $956.7 million, down 4.50% from fiscal 2024.
- As of September 25, 2026, OPRT traded at $8.55, a market capitalization of $385.8 million.
- Return on equity was 6.79% and debt-to-equity 6.22.
Oportun Financial Corporation (OPRT) Latest News
21 Sep
Oportun Financial named Bernardo Martinez as Chief Retail and Sales Officer and Garrett Hope as Chief Product Officer, reporting to CEO Doug Bland. Martinez brings 25+ years in consumer and small-business financial services, most recently leading strategy and operations at SoFi and prior roles at PayPal, Funding Circle, Banco del Progreso and Bank of America. Hope, with 20 years in consumer tech and marketplaces, previously led end-to-end product development at PayPal and held product leadership roles at Google and Expedia/Vrbo. Both executives aim to deepen member relationships across digital, retail, and contact center channels and sharpen product strategy, signaling Oportun's next phase of execution and its mission to expand access to responsible financial services. Two senior fintech veterans join to sharpen member experience and product development, potentially boosting execution and growth.
14 Aug
Earnings estimates for Oportun Financial Corporation have moved higher, pointing to a potential buying opportunity for the stock. Upward earnings estimate revisions can lift near-term stock sentiment without altering core operations.
12 Aug
Oportun Financial Corporation held its Q2 2026 earnings call, covering financial results, performance metrics, and management commentary on operations and outlook. Quarterly earnings calls deliver performance data and guidance that can shift near-term investor sentiment and valuation.
6 Aug
Oportun Financial Corporation released Q2 2026 earnings during its earnings call, detailing financial results and operational updates. Earnings call details financial metrics with potential to shift near-term market views on operations.
Oportun Financial Corp (OPRT) highlighted strong profitability in its Q2 2026 earnings call. Earnings highlights on strong profitability indicate improved financial performance for Oportun Financial Corporation.
5 Aug
Oportun Financial Corporation held its Q2 earnings call, highlighting financial results, operational metrics, and strategic outlook for the period. Q2 earnings details and outlook can shift near-term investor sentiment and valuation metrics.
Oportun Financial Corporation (OPRT) posted Q2 earnings and revenues above analyst estimates. Q2 earnings and revenue beat signals modestly stronger financial results likely to lift near-term market sentiment for Oportun Financial Corporation.
Oportun Financial Corporation exceeded its second quarter guidance. Beating quarterly guidance signals stronger financial results that can lift near-term stock performance and sentiment.
29 Jul
Oportun Financial Corporation (OPRT) is expected to report earnings growth in its upcoming quarterly release next week. Anticipated earnings growth may moderately influence OPRT stock sentiment and near-term valuation.
27 Jul
Oportun launches Set & Save Smart Bills feature to help members manage and stay ahead of recurring expenses. New feature represents product innovation that may improve user engagement and competitive positioning.
9 Jul
Oportun Financial Corporation partners with Column to launch a new lending initiative expanding access to responsible credit. Partnership expands Oportun core lending operations via new collaboration.
9 May
Oportun Financial Corporation (OPRT) investment story shifts amid analyst updates to price targets and evolving risk assessments. Analyst revisions to price targets and risk views moderately influence OPRT investor sentiment and market trajectory.
8 May
Oportun Financial Corporation (OPRT) released Q1 earnings call highlights covering financial results, loan originations, credit performance, and forward guidance. Q1 earnings highlights detail financial metrics and outlook, moderately influencing investor sentiment and near-term stock performance.
7 May
Oportun Financial Corporation (OPRT) Q1 2026 earnings call summary details quarterly financial performance, key metrics, and forward-looking guidance. Q1 2026 earnings summary discloses financial results and outlook directly affecting OPRT's valuation and market trajectory.
Oportun Financial Corporation reported first quarter 2026 results, extending its GAAP profitability streak. Extending GAAP profitability streak demonstrates sustained financial strength, likely boosting investor sentiment and stock performance.
30 Apr
Analysts forecast Oportun Financial Corporation (OPRT) to report declining earnings, with key metrics and factors to monitor in the upcoming release. Forecasted earnings decline threatens OPRT's financial health and investor sentiment, potentially altering market trajectory.
16 Apr
Oportun Financial Corporation (OPRT) appoints Doug Bland as Chief Executive Officer to lead the next phase of growth and profitability. CEO appointment represents a major strategic leadership change to drive growth and profitability.
2 Apr
Oportun Financial Corporation announced updates on its leadership transition, detailing changes in executive roles to support strategic growth. Leadership transitions involve major strategic shifts that can significantly influence management direction, operational execution, and investor sentiment.
21 Mar
Oportun Financial Corporation (OPRT) highlighted expected 2025 profit gains and detailed its 2026 credit and funding plans during the Sidoti Conference. Projections of 2025 profit gains and detailed 2026 funding plans represent major strategic forward guidance likely to positively influence investor sentiment and market performance.
27 Feb
Oportun Financial Corporation (OPRT) released Q4 2025 earnings call summary highlighting financial results, performance metrics, and future outlook. Q4 earnings call summary discloses key financial metrics and strategic updates that significantly affect investor sentiment and stock trajectory.
Oportun Financial Corporation released Q4 earnings call highlights covering financial results, management discussions, and forward guidance. Q4 earnings highlights disclose financial metrics, strategic initiatives, and outlook that significantly shape investor expectations and market performance.
Oportun Financial Corp (OPRT) Q4 2025 earnings call highlights strong profitability amid challenges. Strong Q4 2025 profitability signals significant positive impact on OPRT's future financial performance and investor sentiment.
26 Feb
Oportun Financial Corporation (OPRT) held its Q4 2025 earnings call, presenting financial results, operational metrics, strategic initiatives, and forward-looking guidance. Quarterly earnings disclosures including results and guidance significantly shape investor sentiment, stock price, and company trajectory.
Oportun Financial Corporation (OPRT) reported Q4 earnings and revenues that beat analyst estimates. Beating Q4 earnings and revenue estimates enhances financial performance outlook and investor sentiment.
Oportun Financial Corporation reported strong fourth-quarter results and increased full-year 2025 net income by $104 million. Strong Q4 performance and $104 million full-year net income increase significantly boost financial results and investor confidence.
9 Feb
Oportun Financial Corporation has successfully completed a $485 million asset-backed securitization, which aims to enhance its debt capital structure. Additionally, the company has made significant repayments on corporate debt, positioning itself for improved financial stability and operational efficiency. The securitization and debt repayments are strategic moves that are likely to significantly enhance Oportun's financial stability and market position.
Recent developments at Oportun Financial Corporation (OPRT) indicate a shift in the company's investment narrative, driven by changes in market conditions and strategic initiatives. These factors may influence Oportun's operational focus and financial performance moving forward, as the company adapts to evolving consumer needs and competitive pressures. Changes in market conditions and strategic initiatives are expected to moderately influence Oportun's financial performance and competitive positioning.
4 Feb
Oportun Financial Corporation (OPRT) is expected to report a decline in its Q4 earnings, reflecting challenges in its financial performance. Analysts predict that the company's results may fall short of previous expectations, raising concerns about its future profitability and market position. Investors are closely monitoring these developments as they could influence Oportun's stock performance and strategic direction moving forward. A decline in Q4 earnings is likely to moderately affect Oportun's financial performance and investor sentiment.
25 Jan
Oportun Financial Corporation (OPRT) has received a new price target that is reshaping its investment narrative. Analysts are optimistic about the company's growth potential, citing improvements in its financial metrics and market positioning. The revised target reflects a more favorable outlook, suggesting that Oportun is well-positioned to capitalize on emerging opportunities in the financial services sector. Investors are encouraged to reassess their positions based on this updated valuation. The new price target indicates significant changes in market dynamics and investor sentiment towards Oportun's growth potential.
21 Jan
Oportun Financial Corporation has announced a CEO succession plan, with current CEO, Raul Vazquez, set to transition to the role of Executive Chairman. The company aims to ensure a smooth leadership transition while continuing its focus on providing affordable financial services. The board of directors is actively involved in the process to identify a successor who aligns with Oportun's mission and values. This strategic move is intended to strengthen the company's position in the market and enhance its growth trajectory. A CEO succession plan can significantly impact company strategy and investor confidence.