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  3. OPRT
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OPRT

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    Overview
    Forecast
    Valuation
    Earnings
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Amount
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EV/EBITDA(TTM)
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EV/OCF(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
242.68M
-3.27%
0.270
-44.8%
242.86M
+2.95%
0.323
-19.17%
244.53M
+4.37%
0.340
+9.68%
Estimates Revision
The market is revising Upward the revenue expectations for Oportun Financial Corporation (OPRT) for FY2025, with the revenue forecasts being adjusted by 0.05% over the past three months. During the same period, the stock price has changed by -19.79%.
Revenue Estimates for FY2025
Revise Upward
up Image
+0.05%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+4.86%
In Past 3 Month
Stock Price
Go Down
down Image
-19.79%
In Past 3 Month
Wall Street analysts forecast OPRT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OPRT is 8.67 USD with a low forecast of 6.00 USD and a high forecast of 11.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
3 Analyst Rating
Wall Street analysts forecast OPRT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OPRT is 8.67 USD with a low forecast of 6.00 USD and a high forecast of 11.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
2 Buy
0 Hold
1 Sell
Moderate Buy
Current: 5.270
sliders
Low
6.00
Averages
8.67
High
11.00
Current: 5.270
sliders
Low
6.00
Averages
8.67
High
11.00
JPMorgan
Underweight
downgrade
$6
2025-12-04
New
Reason
JPMorgan
Price Target
$6
2025-12-04
New
downgrade
Underweight
Reason
JPMorgan lowered the firm's price target on Oportun Financial to $5.50 from $6 and keeps an Underweight rating on the shares. he firm adjusted targets in the consumer and specialty finance sector as part of a 2026 outlook.
JPMorgan
Neutral
maintain
$7 -> $8
2025-07-11
Reason
JPMorgan
Price Target
$7 -> $8
2025-07-11
maintain
Neutral
Reason
JPMorgan raised the firm's price target on Oportun Financial to $8 from $7 and keeps a Neutral rating on the shares. The firm established year-end 2026 price targets in the consumer finance group heading into the Q2 reports. While tariff uncertainty remains elevated, the probability of "left-tailed scenarios" has diminished, which warrants a more constructive outlook, the analyst tells investors in a research note.
B. Riley
B. Riley
Buy
maintain
$11
2025-07-07
Reason
B. Riley
B. Riley
Price Target
$11
2025-07-07
maintain
Buy
Reason
B. Riley reiterates a Buy rating on Oportun Financial with an $11 price target amid the company's back and forth with activist Findell Capital. The firm does not see changes at the board level as a key variable in Oportun's near-term outlook. Falling gas prices, which are down 9% year-over-year this past week, are key in relieving some pressure on the company's core consumer, the analyst tells investors in a research note. Riley sees the lessening cost pressure leading to continued improvement in Oportun's credit performance.
Stephens
Overweight
initiated
$10
2025-06-11
Reason
Stephens
Price Target
$10
2025-06-11
initiated
Overweight
Reason
JP Morgan
Richard Shane
Hold
Maintains
$6.5 → $5
2025-04-08
Reason
JP Morgan
Richard Shane
Price Target
$6.5 → $5
2025-04-08
Maintains
Hold
Reason
JMP Securities
David Scharf
Hold
Reiterates
n/a
2025-02-14
Reason
JMP Securities
David Scharf
Price Target
n/a
2025-02-14
Reiterates
Hold
Reason
See All Ratings

Valuation Metrics

The current forward P/E ratio for Oportun Financial Corp (OPRT.O) is 3.82, compared to its 5-year average forward P/E of 6.90. For a more detailed relative valuation and DCF analysis to assess Oportun Financial Corp 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
Fair
5Y Average PE
6.90
Current PE
3.82
Overvalued PE
13.50
Undervalued PE
0.30

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PS
0.35
Current PS
0.00
Overvalued PS
0.64
Undervalued PS
0.06
Financial AI Agent
Financial AI Agent

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
Gross Profit Margin - %
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
AI Stock Picker
AI Stock Picker

OPRT News & Events

Events Timeline

(ET)
2025-11-04
16:53:50
Oportun Financial announces Q3 adjusted EPS of 39 cents, surpassing consensus estimate of 27 cents.
select
2025-10-20 (ET)
2025-10-20
08:13:27
Oportun Financial finalizes $441 million asset-backed securitization
select
2025-08-06 (ET)
2025-08-06
17:28:19
Oportun Financial raises FY25 adjusted EPS view to $1.20-$1.40 from $1.10-$1.30
select
Sign Up For More Events
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News

[object Object]
Preview
7.5
11-20Newsfilter
MULTIMEDIA UPDATE - Holiday Savings Increase: Oportun Announces $6.5 Million Saved for 2025, a 30% Rise from 2024

  • Increased Holiday Savings: Oportun's 2025 Holiday Savings Report reveals that Americans have saved over $6.5 million for the holiday season, marking a 30% increase from 2024, with an average savings of $1,051 per member.

  • State-Specific Savings Trends: Kansas, Washington, and Colorado are the top states for holiday savings, each averaging over $1,200, while North Carolina, Michigan, and Idaho reported the lowest savings levels.

  • Withdrawal Patterns: Members typically withdrew an average of $605 in the third quarter, indicating early holiday shopping or other priority expenses, with an average of $148 saved in the first month after opening a holiday savings account.

  • Commitment to Savings Goals: The report highlights a consistent increase in deadline-driven savings goals, with a 20%+ rise over the past two years, emphasizing the importance of starting strong and maintaining consistent savings habits.

[object Object]
Preview
7.0
11-05SeekingAlpha
Oportun increases 2025 adjusted EPS forecast to $1.30–$1.40 and cuts full-year operating expenses by $10 million.

  • Management Performance: Oportun Financial Corporation reported strong Q3 results with a net income of $5.2 million, marking its fourth consecutive quarter of GAAP profitability, and emphasized improved credit performance and reduced operating expenses.

  • Outlook and Guidance: The company raised its full-year adjusted EPS guidance to $1.30–$1.40 per share, while also updating originations growth expectations to the high single-digits percentage range, reflecting a cautious approach amid macroeconomic pressures.

  • Credit Metrics: Oportun noted a slight improvement in its annualized net charge-off rate to 11.8% and a 30-plus day delinquency rate of 4.7%, although management anticipates a temporary increase in charge-offs in early 2026.

  • Analyst Sentiment: Analysts expressed cautious optimism regarding consumer behavior and credit quality, while management maintained a confident tone, focusing on operational discipline and the importance of high-quality loan originations amidst ongoing macroeconomic uncertainty.

[object Object]
Preview
8.5
10-20Newsfilter
Oportun Finalizes $441 Million Asset-Backed Securitization Deal

  • Oportun's Bond Issuance: Oportun announced the issuance of $441 million in two-year revolving fixed rate asset-backed notes, with a weighted average yield of 5.77% and a weighted average coupon of 5.69%.

  • High Ratings and Investor Demand: The transaction included five classes of notes rated from AAA to BB- by Fitch, marking Oportun's third consecutive deal with a AAA rating, reflecting strong investor demand for low-cost capital.

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People Also Watch

FAQ

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What is Oportun Financial Corp (OPRT) stock price today?

The current price of OPRT is 5.27 USD — it has decreased -0.38 % in the last trading day.

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What is Oportun Financial Corp (OPRT)'s business?

Oportun Financial Corporation is a financial services company. The Company offers access to a suite of financial products, offered either directly or through partners, including lending and savings powered by artificial intelligence. The Company's credit products include unsecured and secured personal loans. Its unsecured personal loan is a fully amortizing installment loan with fixed payments throughout the life of the loan. Its secured personal loan is a personal installment loan product secured by an automobile. It also offers automated savings, through its Set & Save platform. Its Set & Save product is designed to understand a member’s cash flows and save the right amount on a regular basis. It reaches incremental members through its Lending as a Service lead generation program. It allows consumers to become members and access its products through the Oportun Mobile App and the Oportun.com Website, which serve as its primary platforms for onboarding and providing member services.

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What is the price predicton of OPRT Stock?

Wall Street analysts forecast OPRT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for OPRT is 8.67 USD with a low forecast of 6.00 USD and a high forecast of 11.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

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What is Oportun Financial Corp (OPRT)'s revenue for the last quarter?

Oportun Financial Corp revenue for the last quarter amounts to 238.69M USD, decreased -4.51 % YoY.

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What is Oportun Financial Corp (OPRT)'s earnings per share (EPS) for the last quarter?

Oportun Financial Corp. EPS for the last quarter amounts to 0.11 USD, decreased -114.67 % YoY.

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What changes have occurred in the market's expectations for Oportun Financial Corp (OPRT)'s fundamentals?

The market is revising Upward the revenue expectations for Oportun Financial Corporation (OPRT) for FY2025, with the revenue forecasts being adjusted by 0.05% over the past three months. During the same period, the stock price has changed by -19.79%.
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How many employees does Oportun Financial Corp (OPRT). have?

Oportun Financial Corp (OPRT) has 2312 emplpoyees as of December 05 2025.

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What is Oportun Financial Corp (OPRT) market cap?

Today OPRT has the market capitalization of 232.56M USD.

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