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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
6.000
Open
5.990
VWAP
5.97
Vol
81.76K
Mkt Cap
271.01M
Low
5.935
Amount
487.95K
EV/EBITDA(TTM)
6.75
Total Shares
44.50M
EV
2.96B
EV/OCF(TTM)
7.17
P/S(TTM)
0.30
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)
2026-04-16
17:50:00
Oportun Financial Appoints Doug Bland as CEO
select
2026-02-26 (ET)
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

News

Newsfilter
2.0
12:43 PMNewsfilter
Oportun Recognized as One of America's Best Customer Service in Financial Services 2026
  • Customer Service Honor: Oportun has been recognized by USA Today as one of America's Best Customer Service in Financial Services for 2026, showcasing its exceptional service in intelligent borrowing, savings, and budgeting tools, thereby reinforcing its reputation in the industry.
  • Consumer Feedback Basis: This award is based on feedback from over 31,000 U.S. consumers and independent research, indicating Oportun's outstanding performance in professionalism, transparency, and meeting customer needs, reflecting its commitment to customer experience.
  • Financial Impact: Since its inception, Oportun has provided over $21.3 billion in responsible and affordable credit, saving customers more than $2.5 billion in interest and fees, demonstrating its positive role in enhancing customer financial health.
  • Strategic Mission: Oportun's COO Ryan Helwig stated that excellent customer service is core to its mission, and this recognition not only acknowledges the team's efforts but also enhances its competitive edge in the financial services sector.
seekingalpha
5.0
04-16seekingalpha
Oportun Financial Appoints Doug Bland as CEO
  • New CEO Appointment: Oportun Financial has named Doug Bland as CEO and board member effective April 20, 2026, bringing extensive leadership experience from PayPal where he led the consumer business, which is expected to enhance the company's strategic direction.
  • Board Transition: Bland currently serves on the boards of WebBank and Creditly, and will resign from WebBank upon joining Oportun, a move that is anticipated to improve Oportun's governance structure in the fintech sector.
  • Strong Financial Performance: Oportun's Q4 2025 earnings report reveals a non-GAAP EPS of $0.27, beating estimates by $0.01, with revenue of $247.7 million exceeding expectations by $4.22 million, indicating the company's robust competitive position and profitability.
  • Future Growth Targets: Oportun has set a 16% adjusted EPS growth target for 2026 while advancing its risk-based pricing initiative, demonstrating confidence in future performance and proactive positioning in the market.
Newsfilter
5.0
04-16Newsfilter
Oportun Appoints Doug Bland as CEO
  • New CEO Appointment: Oportun Financial Corporation announced that Doug Bland will assume the role of CEO and Board member effective April 20, 2026, leveraging his extensive expertise in consumer credit and financial services to drive the company's growth and profitability.
  • Extensive Industry Experience: Bland brings over 30 years of experience in consumer financial services, having served as Senior Vice President at PayPal, where he successfully enhanced profitability and customer engagement, showcasing his leadership capabilities in the rapidly growing fintech sector.
  • Clear Strategic Goals: Bland stated that Oportun's technology-driven platform aims to improve the financial lives of customers often overlooked by traditional lenders, and he is expected to strengthen the company's foundation by deepening member relationships and creating long-term shareholder value.
  • Mission-Driven History: Since its inception, Oportun has provided over $21.8 billion in responsible credit and saved its members more than $2.5 billion in interest and fees, and Bland's leadership is anticipated to further solidify the company's position in fulfilling this mission.
Newsfilter
5.0
04-02Newsfilter
Oportun Appoints Interim Co-CEOs Following CEO Departure
  • Leadership Change: Oportun announced that Kate Layton and Gaurav Rana will assume the role of interim co-CEOs effective April 4, 2026, following the departure of CEO Raul Vazquez, ensuring stability while the company searches for a permanent leader.
  • Transition Support: Former CEO Vazquez will serve as an advisor until July 3, 2026, facilitating a smooth transition and ensuring continuity in leadership and business operations during this critical period.
  • Leaders' Background: Layton has been with Oportun since 2015, previously serving as Chief Legal Officer, while Rana has been the General Manager of Lending since 2024, both bringing extensive industry experience and a deep understanding of the company's mission.
  • Company Mission: Since its inception, Oportun has provided over $21.8 billion in responsible credit and saved its members more than $2.5 billion in interest and fees, demonstrating the company's commitment to enhancing financial accessibility and member empowerment.
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
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
Richard Shane
Neutral
downgrade
$6 -> $5
AI Analysis
2026-04-09
Reason
JPMorgan
Richard Shane
Price Target
$6 -> $5
AI Analysis
2026-04-09
downgrade
Neutral
Reason
JPMorgan analyst Richard Shane lowered the firm's price target on Oportun Financial to $5 from $6 and keeps a Neutral rating on the shares. The firm adjusted targets in the consumer finance group as part of a Q1 earnings preview. The macroeconomic environment "remains volatile and unpredictable," the analyst tells investors in a research note. JPMorgan says "selectivity remains paramount" in this environment.
JPMorgan
Underweight
downgrade
$6
2025-12-04
Reason
JPMorgan
Price Target
$6
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.
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 5.12, compared to its 5-year average forward P/E of 6.50. 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
N/A
5Y Average PE
6.50
Current PE
5.12
Overvalued PE
13.06
Undervalued PE
-0.05

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
12.47
Current EV/EBITDA
20.23
Overvalued EV/EBITDA
25.18
Undervalued EV/EBITDA
-0.24

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
0.30
Current PS
0.26
Overvalued PS
0.56
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 5.97 USD — it has decreased -1.97

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 May 01 2026.

What is Oportun Financial Corp (OPRT) market cap?

Today OPRT has the market capitalization of 271.01M USD.