Oportun Financial Corporation
OPRT
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $361.3M
$7.87
▲ +6.21%
P/E
19.65
Mkt Cap
$361.3M
52-Wk Range
$4.03–$8.30
52-Week Range
$4.03 - $8.30
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 18.0% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Multi-channel distribution (online, phone, retail locations)
- Focus on underserved and credit-challenged consumers
- Established presence across 24 U.S. states
- Proprietary underwriting and risk assessment technology
Bear Case
1 risk
- Average volatility.
Growth
Moderate growth ahead
Expansion into new states and markets
Value
Trading at 0.5x Digital Payments peers — a discount despite the growth profile.
Momentum
Hot
+65.0% over 3m
Quality
Excellent
Emerging growth company (60% revenue growth). Early stage with higher risk.
Dividend
None
No dividend
Smart-money signal
Who's buying OPRT right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Nov 3, 2026
AUG 5, 2026
Reported EPS of $0.42 vs $0.33 consensus (+28.6% surprise). Revenue of $233.2M vs $230.7M expected (+1.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+28.6%
Revenue trend · last 8Q
—
+30%
+34%
+74%
+68%
+59%
-13%
+95%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$62.6M
$93.4M
$163.2M
$164.1M
$161.7M
$148.3M
$142.8M
$319.2M
Margins · last 8Q
Gross
-29.7%
Operating
-1.1%
Profit
2.7%
Wall Street consensus
2 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
50%
Sell
0%
Median Price Target
—
Latest: Stephens · Aug 6, 2026
vs Industry
How OPRT stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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