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Oportun Financial Corporation
OPRT
NASDAQ·Financial Services·Financial - Credit Services·Mkt cap $269.9M
$5.90
▲ 0.00%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$4.03 - $7.97
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 14.1% 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
Strong growth ahead
Expansion into new states and markets
Value
Deep value opportunity - significant discount to Digital Payments peers
Momentum
Hot
+28.0% over 3m
Quality
Excellent
Excellent business quality
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: May 6, 2026
MAY 7, 2026
Reported EPS of $0.21 vs $0.21 consensus (0.0% surprise). Revenue of $228.8M vs $228.6M expected (+0.1%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
0.0%
Next: May 6, 2026
Revenue trend · last 8Q
—
—
+30%
+34%
+74%
+68%
+59%
-13%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$60.0M
$62.6M
$93.4M
$163.2M
$164.1M
$161.7M
$148.3M
$142.8M
Margins · last 8Q
Gross
—
Operating
—
Profit
1.7%
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: JP Morgan · Apr 9, 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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