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OPRT Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
4.490
Open
4.280
VWAP
4.40
Vol
651.45K
Mkt Cap
198.03M
Low
4.260
Amount
2.87M
EV/EBITDA(TTM)
6.58
Total Shares
44.50M
EV
2.89B
EV/OCF(TTM)
7.00
P/S(TTM)
0.22
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.
Show More

Events Timeline

(ET)
2026-02-26
17:00:00
Sees FY26 Revenue $935M-$955M
select
2026-02-26
17:00:00
Oportun Q4 Revenue $247.7M Beats Expectations
select
2026-02-26
17:00:00
Sees Q1 Adjusted EBITDA of $25M-$30M
select
2026-01-21 (ET)
2026-01-21
16:20:00
Company Raises FY25 Revenue Outlook to $957M
select
2026-01-21
16:20:00
Raises Q4 Revenue View to $246M-$248M
select
2026-01-21
16:20:00
Oportun Financial CEO Raul Vazquez Resigns
select
2025-11-04 (ET)
2025-11-04
16:53:50
Oportun Financial announces Q3 adjusted EPS of 39 cents, surpassing consensus estimate of 27 cents.
select

News

seekingalpha
9.5
02-27seekingalpha
Oportun Financial Corporation Q4 2025 Earnings Highlights
  • Profitability Improvement: Oportun achieved $25 million in GAAP net income for 2025, including $3.4 million in Q4, demonstrating sustained profitability and strong business execution, which is expected to enhance investor confidence.
  • Significant Expense Control: The company reduced Q4 operating expenses to $84 million, marking the lowest level since going public, with a 12% decrease in full-year GAAP operating expenses from 2024, which will further enhance financial flexibility and profitability.
  • Exploration of Risk Pricing Strategy: Management plans to reintroduce risk-based pricing above 36% APR for short-term loans, aimed at improving portfolio returns and expanding financial inclusion, a strategy that could provide new momentum for future revenue growth.
  • Optimistic 2026 Outlook: Oportun expects total revenue for 2026 to range between $935 million and $955 million, with adjusted EPS projected to grow by 16%, maintaining a cautiously optimistic growth outlook despite macroeconomic uncertainties.
NASDAQ.COM
2.0
02-27NASDAQ.COM
Oportun (OPRT) Q4 2025 Earnings Call Transcript
seekingalpha
9.5
02-26seekingalpha
Oportun Financial Reports Q4 Earnings Beat Expectations
  • Earnings Beat: Oportun Financial's Q4 non-GAAP EPS of $0.27 exceeded expectations by $0.01, demonstrating stability in profitability, even as revenue declined 1.3% year-over-year to $247.7 million, which still beat forecasts by $4.22 million, reflecting the company's resilience in the market.
  • Optimistic Guidance: The company provided revenue guidance for Q1 2026 and full-year 2026 at $225 million to $230 million and $935 million to $955 million, respectively, indicating confidence in future growth, particularly in an uncertain economic environment, with expectations for stable annual revenue.
  • Risk and Reward Balance: Despite an anticipated annualized net charge-off rate of 12.65% (±15 bps), Oportun has set an adjusted EBITDA target of $25 million to $30 million for 2026, showcasing a strategic balance between risk management and revenue growth.
  • Leadership Change Impact: CEO Vazquez is set to step down by April, with the board initiating a search for new leadership, which may influence the company's strategic direction and market confidence, although the financial performance remains strong in the short term.
Newsfilter
8.5
02-09Newsfilter
Oportun Issues $485 Million Asset-Backed Notes at Sub-6% Yield
  • Successful Note Issuance: Oportun successfully issued $485 million of two-year fixed-rate asset-backed notes with a yield of 5.32%, which is 45 basis points lower than the previous issuance, demonstrating the company's strong capital-raising capabilities in the market.
  • Multi-Class Note Ratings: The offering included five classes of fixed-rate notes, with Fitch assigning ratings of AAA, AA-, A-, BBB-, and BB- to each class, reflecting investor confidence in Oportun's credit quality.
  • Significant Debt Repayment: In 2025, Oportun repaid $70 million of corporate debt, including $37.5 million in the fourth quarter, indicating the company's ongoing efforts in balance sheet optimization and strong financial performance.
  • Outstanding Capital Market Performance: Over the past nine months, Oportun has raised more than $1.9 billion in the asset-backed securities market at yields below 6%, showcasing effective strategies in reducing capital costs.
seekingalpha
5.0
01-21seekingalpha
Oportun Financial CEO Raul Vazquez to Step Down by April 2026, Forecasts 2025 Revenue of Up to $957 Million
  • Executive Transition: Oportun CEO Raul Vazquez will step down by April 3, 2026, after nearly 14 years in leadership, and will serve as an adviser until July 3, 2026, indicating the company's commitment to stability during this leadership change.
  • Financial Outlook: The company forecasts fourth-quarter revenue between $246 million and $248 million, with full-year revenue expected to reach $955 million to $957 million and net income projected at $23 million to $25 million, highlighting a positive growth trajectory.
  • Earnings Report Schedule: Oportun plans to release final fourth-quarter and full-year results in mid-February, demonstrating a commitment to transparency and providing investors with updated financial insights.
  • Market Reaction: Oportun's stock fell 0.0% in after-hours trading to $4.84, reflecting market caution regarding the executive transition and financial outlook, which may impact investor confidence.
Globenewswire
1.0
2025-12-08Globenewswire
Oportun CEO to Present at Sidoti Conference, Highlighting $21.3 Billion in Credit Issued
  • Investor Conference Participation: Oportun's CEO Raul Vazquez will present at the Sidoti Virtual Investor Conference on December 10, showcasing the company's mission-driven approach in financial services, which is expected to attract investor interest.
  • Credit Achievement Showcase: Since its inception, Oportun has issued over $21.3 billion in responsible and affordable credit, enhancing the company's market image and laying a foundation for future financing and expansion opportunities.
  • Cost Savings Impact: Oportun has saved its members more than $2.5 billion in interest and fees, a significant financial benefit that will further enhance customer loyalty and potentially drive future business growth.
  • Annual Savings Capability: Oportun's members save an average of over $1,800 annually, a figure that not only reflects the value of the company's services but also provides a competitive edge in the crowded financial services market.
Wall Street analysts forecast OPRT stock price to rise
2 Analyst Rating
Wall Street analysts forecast OPRT stock price to rise
1 Buy
1 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
5.50
Averages
7.25
High
9.00
Current: 0.000
sliders
Low
5.50
Averages
7.25
High
9.00
JPMorgan
Underweight
downgrade
$6
AI Analysis
2025-12-04
Reason
JPMorgan
Price Target
$6
AI Analysis
2025-12-04
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.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for OPRT
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Valuation Metrics

The current forward P/E ratio for Oportun Financial Corp (OPRT.O) is 3.67, compared to its 5-year average forward P/E of 6.75. For a more detailed relative valuation and DCF analysis to assess Oportun Financial Corp's fair value, Click here.

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
5Y Average PE
6.75
Current PE
3.67
Overvalued PE
13.45
Undervalued PE
0.04

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
5Y Average PS
0.32
Current PS
0.23
Overvalued PS
0.59
Undervalued PS
0.05

Financials

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Frequently Asked Questions

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

The current price of OPRT is 4.45 USD — it has increased 3.73

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.

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 is7.25 USD with a low forecast of 5.50 USD and a high forecast of 9.00 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.

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

Oportun Financial Corp revenue for the last quarter amounts to 247.75M USD, decreased -1.27

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 0.07 USD, decreased -65.00

How many employees does Oportun Financial Corp (OPRT). have?

Oportun Financial Corp (OPRT) has 2405 emplpoyees as of March 22 2026.

What is Oportun Financial Corp (OPRT) market cap?

Today OPRT has the market capitalization of 198.03M USD.