Oportun Financial Corporation (OPRT)

NMS – Real Time Price. Currency in USD

7.45

-0.15 (-1.97%)

Market open: Aug 12, 2026, 12:22 PM EDT

7.60

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 7.6$
Day's range: 7.56 - 7.82$
52-week range: 4.03 - 8.3$
Volume: 410 521
Average volume: 709 829
Beta: 3.07
EPS (TTM): 0.41
PE ratio (TTM): 19.03
Forward P/E: 4.82
Market cap: 349 503 133
Shares outstanding: 45 987 254
Dividend yield: N/A
Next earnings date: 2026-11-09
Sector: Financials
Industry: Credit Services

About the company

Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.

CEO: Douglas Bland
Country: United States
IPO Date: 2019-09-26
Employees: 1783
Fiscal Year End: January - December
Website: https://oportun.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: OPRT

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Overall Score

3.9 / 1039%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $2.7B

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (6.5) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $109.3M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	3.97	10.91	10
Quick ratio	N/A	10.10	1.0
Debt to Equity	6.54	3.44	2.0
Debt to Assets	0.85	1.99	2.0
Interest coverage	N/A	71.90	10
Weighted average score			5.0

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	953M	1.06B	1B	957M	948M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	33M	-254M	-115M	44M	40M
Net Income	-78M	-180M	-79M	25M	19M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	64.01	1.0
Operating margin %	8.17	0.03	4.0
Net margin %	4.46	-121.55	4.0
EBITDA margin %	N/A	-20.51	1.0
Cash flow margin %	46.87	-144.24	10
Weighted average score			4.0

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.72	-153.95	2.0
ROE	6.26	41.47	5.0
ROIC	0.76	-22.19	2.0
ROCE	N/A	-1.81	1.0
Weighted average score			2.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	-0.35	17.09	5.0
Next quarter	-0.31	87.65	5.5
Current year	-1.07	16.05	5.0
Next year	5.29	25.45	7.5
Weighted average score			5.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	1.95	264.01	100	5.39	7.0
Y/Y	-0.47	24.12	35.48	4.58	6.3
3y average	0.42	18.97	-16.98	21.53	5.5
5y average	12.12	-0.37	105.88	31.31	7.0
Weighted average score					6.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	19.32	-29.69	6.0
PEG (5yr expected)	N/A	0.88	1.0
P/S	0.95	102.37	8.2
P/B	0.87	-0.46	8.0
Weighted average score			5.8

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR9.24%

FCF 5 year CAGR4

Fair value123.31$

Stock price7.46$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$123.31

UndervaluedStock priceOvervalued

$7.46

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Douglas Bland

Country

United States

IPO Date

2019-09-26

Employees

1783

Fiscal Year End

January - December

Website

https://oportun.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

3.97

10.91

Quick ratio

N/A

10.10

1.0

Debt to Equity

6.54

3.44

2.0

Debt to Assets

0.85

1.99

2.0

Interest coverage

N/A

71.90

Weighted average score

5.0

METRIC

2022

2023

2024

2025

TTM

Total Revenue

953M

1.06B

957M

948M

Gross Profit

N/A

Operating Income

33M

-254M

-115M

44M

40M

Net Income

-78M

-180M

-79M

25M

19M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

64.01

1.0

Operating margin %

8.17

0.03

4.0

Net margin %

4.46

-121.55

4.0

EBITDA margin %

N/A

-20.51

1.0

Cash flow margin %

46.87

-144.24

Weighted average score

4.0

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.72

-153.95

2.0

ROE

6.26

41.47

5.0

ROIC

0.76

-22.19

2.0

ROCE

N/A

-1.81

1.0

Weighted average score

2.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

-0.35

17.09

5.0

Next quarter

-0.31

87.65

5.5

Current year

-1.07

16.05

5.0

Next year

5.29

25.45

7.5

Weighted average score

5.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

1.95

264.01

100

5.39

7.0

Y/Y

-0.47

24.12

35.48

4.58

6.3

3y average

0.42

18.97

-16.98

21.53

5.5

5y average

12.12

-0.37

105.88

31.31

7.0

Weighted average score

6.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

19.32

-29.69

6.0

PEG (5yr expected)

N/A

0.88

1.0

P/S

0.95

102.37

8.2

P/B

0.87

-0.46

8.0

Weighted average score

5.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Stock details

About the company

Revenue Breakdown

News

Chart: OPRT

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$123.31

$7.46

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: OPRT

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$123.31

$7.46

Economic Moat