Is a complete OPRT research report available?

No complete published report is available for Oportun Financial Corporation (OPRT) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Oportun Financial Corporation (OPRT)

NASDAQ: OPRT · USD

$9.78

+0.22 (+2.3%)· Recorded snapshot

Market cap	449.8M
Revenue (ttm)	744M
Net income (ttm)	19.5M
EPS (ttm)	$0.40
Shares out	46M
P/E (trailing)	24.3x
P/E (forward)	5.5x
Volume	496,791
Beta	1.26

Market data

Price

Recent price action with selectable time range.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Strong Buy
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Strong Buy
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Hold

Metric	Value
Amount currency	USD
CIK code	0001538716
Company name	Oportun Financial Corporation
Country	United States
Country code	US
CUSIP number	68376D104
Earnings date	2026-11-03
Earnings time	amc
Employees	2,488
Employees change	59
Employees growth	2.43%
Enterprise value	$3B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2005
In index	RUSSELL2000
Industry	Credit Services
IPO date	2019-09-26
Is primary listing	Yes
Is SPAC	No
ISIN number	US68376D1046
Last 10-K release date	2026-02-27
Last earnings date	2026-08-05
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$449.8M
Market cap category	Small-Cap
Next earnings date	2026-11-03
Options	Yes
Price	$9.78
Price currency	USD
Sector	Financials
SIC code	6199
Stock price date	2026-10-28
Symbol	OPRT
U.S. state	California
Website	https://oportun.com

Metric

Value

Amount currency

USD

CIK code

0001538716

Company name

Oportun Financial Corporation

Country

United States

Country code

CUSIP number

68376D104

Earnings date

2026-11-03

Earnings time

amc

Employees

2,488

Employees change

Employees growth

2.43%

Enterprise value

$3B

Exchange

NASDAQ

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

2005

In index

RUSSELL2000

Industry

Credit Services

IPO date

2019-09-26

Is primary listing

Yes

Is SPAC

ISIN number

US68376D1046

Last 10-K release date

2026-02-27

Last earnings date

2026-08-05

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$449.8M

Market cap category

Small-Cap

Next earnings date

2026-11-03

Options

Yes

Price

$9.78

Price currency

USD

Sector

Financials

SIC code

6199

Stock price date

2026-10-28

Symbol

OPRT

U.S. state

California

Website

https://oportun.com

Metric	Value
Adjusted P/E ratio	7.58x
Earnings yield	4.11%
EV/Earnings	152.29x
EV/FCF	7.05x
EV/Sales	3.99x
FCF / EV yield	14.19%
FCF yield	94.71%
Forward EV/Sales	3.06x
Forward P/E	5.5x
Forward P/S	0.46x
Graham number	8.94833
Graham upside	-7.42%
Industry forward P/E	19.57x
Industry P/E	22.74x
Lynch fair value	$3.56
Lynch upside	-63.12%
P/(FCF - SBC) ratio	1.09x
P/(OCF - SBC) ratio	1.09x
P/B ratio	1.08x
P/E ratio	24.35x
P/FCF ratio	1.06x
P/OCF ratio	1.06x
P/S ratio	0.6x
Price / tangible book value	1.31x
Sector forward P/E	13.61x
Sector P/E	15.65x

Metric

Value

Adjusted P/E ratio

7.58x

Earnings yield

4.11%

EV/Earnings

152.29x

EV/FCF

7.05x

EV/Sales

3.99x

FCF / EV yield

14.19%

FCF yield

94.71%

Forward EV/Sales

3.06x

Forward P/E

5.5x

Forward P/S

0.46x

Graham number

8.94833

Graham upside

-7.42%

Industry forward P/E

19.57x

Industry P/E

22.74x

Lynch fair value

$3.56

Lynch upside

-63.12%

P/(FCF - SBC) ratio

1.09x

P/(OCF - SBC) ratio

1.09x

P/B ratio

1.08x

P/E ratio

24.35x

P/FCF ratio

1.06x

P/OCF ratio

1.06x

P/S ratio

0.6x

Price / tangible book value

1.31x

Sector forward P/E

13.61x

Sector P/E

15.65x

Metric	Value
Effective tax rate	51.28%
FCF margin	56.58%
Gross margin	95.24%
Operating margin	7.89%
Pretax margin	5.38%
Profit margin	2.62%
Profit per employee	$7,831
Profitable quarters	7
Profitable years	1
Revenue per employee	$299,016
ROA	0.62%
ROA (5Y)	-1.43%
ROE	4.98%
ROE (5Y)	-11.28%
ROIC	0.93%
ROIC (5Y)	0.44%
SBC / revenue	1.64%
Tax / revenue	2.76%

Metric

Value

Effective tax rate

51.28%

FCF margin

56.58%

Gross margin

95.24%

Operating margin

7.89%

Pretax margin

5.38%

Profit margin

2.62%

Profit per employee

$7,831

Profitable quarters

Profitable years

Revenue per employee

$299,016

ROA

0.62%

ROA (5Y)

-1.43%

ROE

4.98%

ROE (5Y)

-11.28%

ROIC

0.93%

ROIC (5Y)

0.44%

SBC / revenue

1.64%

Tax / revenue

2.76%

Metric	Value
EPS growth (Q)	21.43%
EPS growth (QoQ)	243.89%
EPS growth 5Y	-1.64%
EPS growth quarters	1
EPS growth years	2
FCF growth	3.83%
FCF growth (Q)	4.58%
FCF growth (QoQ)	5.39%
FCF growth 3Y	7.85%
FCF growth 5Y	29.44%
Net income growth (Q)	24.12%
Net income growth (QoQ)	264.01%
Net income growth 5Y	8.87%
Net income growth quarters	1
Net income growth years	2
OCF growth	3.83%
OCF growth (Q)	4.58%
OCF growth (QoQ)	5.39%
OCF growth 3Y	7.85%
OCF growth 5Y	30.16%
Operating income growth	158.37%
Operating income growth (Q)	1,482.7%
Revenue growth	2.65%
Revenue growth (Q)	9.43%
Revenue growth (QoQ)	5.81%
Revenue growth 3Y	-5.99%
Revenue growth 5Y	8.33%
Revenue growth quarters	1
Revenue growth years	2

Metric

Value

EPS growth (Q)

21.43%

EPS growth (QoQ)

243.89%

EPS growth 5Y

-1.64%

EPS growth quarters

EPS growth years

FCF growth

3.83%

FCF growth (Q)

4.58%

FCF growth (QoQ)

5.39%

FCF growth 3Y

7.85%

FCF growth 5Y

29.44%

Net income growth (Q)

24.12%

Net income growth (QoQ)

264.01%

Net income growth 5Y

8.87%

Net income growth quarters

Net income growth years

OCF growth

3.83%

OCF growth (Q)

4.58%

OCF growth (QoQ)

5.39%

OCF growth 3Y

7.85%

OCF growth 5Y

30.16%

Operating income growth

158.37%

Operating income growth (Q)

1,482.7%

Revenue growth

2.65%

Revenue growth (Q)

9.43%

Revenue growth (QoQ)

5.81%

Revenue growth 3Y

-5.99%

Revenue growth 5Y

8.33%

Revenue growth quarters

Revenue growth years

Metric	Value
Depreciation and amortization	$1.3M
EPS	$0.40
FCF per share	$9.15
Financing cash flow	$-132.7M
Free cash flow	$420.9M
Free cash flow minus SBC	$408.7M
Gross profit	$708.5M
Income taxes	$20.5M
Investing cash flow	$-304M
Net borrowing	$-129.4M
Net cash flow	$-15.8M
Net income	$19.5M
Operating cash flow minus SBC	$408.7M
Operating income	$58.7M
Revenue	$744M
Stock-based compensation	$12.2M

Metric

Value

Depreciation and amortization

$1.3M

EPS

$0.40

FCF per share

$9.15

Financing cash flow

$-132.7M

Free cash flow

$420.9M

Free cash flow minus SBC

$408.7M

Gross profit

$708.5M

Income taxes

$20.5M

Investing cash flow

$-304M

Net borrowing

$-129.4M

Net cash flow

$-15.8M

Net income

$19.5M

Operating cash flow minus SBC

$408.7M

Operating income

$58.7M

Revenue

$744M

Stock-based compensation

$12.2M

Metric	Value
Book value per share	$8.86
Debt / equity	6.54
Debt / FCF	6.32
Net cash (debt)	$-2.5B
Net cash / market cap	-567.58%
Net debt / equity	6.2
Net debt / FCF	5.99
Piotroski F-Score	6
Property, plant and equipment	$13M
Shareholders' equity	$407.1M
Tangible book value	$340.2M
Tangible book value per share	$7.40
Total assets	$3.1B
Total cash	$139.6M
Total debt	$2.7B
Total liabilities	$2.7B
WACC	1.6%

Metric

Value

Book value per share

$8.86

Debt / equity

6.54

Debt / FCF

6.32

Net cash (debt)

$-2.5B

Net cash / market cap

-567.58%

Net debt / equity

6.2

Net debt / FCF

5.99

Piotroski F-Score

Property, plant and equipment

$13M

Shareholders' equity

$407.1M

Tangible book value

$340.2M

Tangible book value per share

$7.40

Total assets

$3.1B

Total cash

$139.6M

Total debt

$2.7B

Total liabilities

$2.7B

WACC

1.6%

Metric	Value
Asset turnover	0.24
Current ratio	51.13
Quick ratio	49.68
Working capital	$2.9B
Working capital turnover	0.25

Metric

Value

Asset turnover

0.24

Current ratio

51.13

Quick ratio

49.68

Working capital

$2.9B

Working capital turnover

0.25

Metric	Value
Buyback yield / dilution	-11.22%
Dividend yield	0%
Shareholder yield	-11.22%

Metric

Value

Buyback yield / dilution

-11.22%

Dividend yield

Shareholder yield

-11.22%

Metric	Value
150-day SMA	$6.52
1D price change	2.3%
1M price change	14.39%
1M total return	14.39%
1W price change	4.71%
1W total return	4.71%
1Y price change	75.9%
1Y return CAGR	75.97%
1Y total return	75.9%
20-day SMA	$8.96
200-day SMA	$6.17
3M price change	71.28%
3M total return	71.28%
3Y price change	77.5%
3Y return CAGR	21.07%
3Y total return	77.5%
50-day SMA	$8.28
50-day SMA vs 200-day SMA	50over200
52-week high	$9.79
52-week high date	2026-10-28
52-week low	$4.03
52-week low date	2026-03-19
5Y price change	-57.18%
5Y return CAGR	-15.6%
5Y total return	-57.18%
6M price change	65.48%
6M total return	65.48%
All-time high	$27.95
All-time high date	2021-11-12
All-time low	$2.05
All-time low date	2024-04-16
Average true range (ATR)	$0.34
Average volume	664.3K
Beta (1Y)	3.01
Beta (2Y)	2.23
Beta (5Y)	1.26
Change from 52-week high	-0.05%
Change from 52-week low	142.68%
Change from all-time high	-65.01%
Change from all-time low	377.07%
Change from open	2.62%
Day's gap	-0.31%
Dollar volume	$4.9M
High price	$9.79
Low price	$9.52
Monthly RSI	67.12
Open price	$9.53
Position in 52-week range	96.3%
Premarket change	-1.57%
Premarket close	$9.56
Premarket price	$9.41
Previous close	$9.56
Price vs 150-day SMA	50%
Price vs 20-day SMA	9.19%
Price vs 200-day SMA	58.56%
Price vs 50-day SMA	18.12%
Relative volume	0.76
Return from IPO open	-38.44%
Return from IPO price	-35.57%
RSI	69.92
Sharpe ratio	1.12
Sharpe ratio (3Y)	0.57
Sharpe ratio (5Y)	0.13
Sortino ratio	2.18
Sortino ratio (3Y)	0.95
Sortino ratio (5Y)	0.27
Volume	496.8K
Weekly RSI	75.4
YTD price change	84.88%
YTD total return	84.88%

Metric

Value

150-day SMA

$6.52

1D price change

2.3%

1M price change

14.39%

1M total return

14.39%

1W price change

4.71%

1W total return

4.71%

1Y price change

75.9%

1Y return CAGR

75.97%

1Y total return

75.9%

20-day SMA

$8.96

200-day SMA

$6.17

3M price change

71.28%

3M total return

71.28%

3Y price change

77.5%

3Y return CAGR

21.07%

3Y total return

77.5%

50-day SMA

$8.28

50-day SMA vs 200-day SMA

50over200

52-week high

$9.79

52-week high date

2026-10-28

52-week low

$4.03

52-week low date

2026-03-19

5Y price change

-57.18%

5Y return CAGR

-15.6%

5Y total return

-57.18%

6M price change

65.48%

6M total return

65.48%

All-time high

$27.95

All-time high date

2021-11-12

All-time low

$2.05

All-time low date

2024-04-16

Average true range (ATR)

$0.34

Average volume

664.3K

Beta (1Y)

3.01

Beta (2Y)

2.23

Beta (5Y)

1.26

Change from 52-week high

-0.05%

Change from 52-week low

142.68%

Change from all-time high

-65.01%

Change from all-time low

377.07%

Change from open

2.62%

Day's gap

-0.31%

Dollar volume

$4.9M

High price

$9.79

Low price

$9.52

Monthly RSI

67.12

Open price

$9.53

Position in 52-week range

96.3%

Premarket change

-1.57%

Premarket close

$9.56

Premarket price

$9.41

Previous close

$9.56

Price vs 150-day SMA

50%

Price vs 20-day SMA

9.19%

Price vs 200-day SMA

58.56%

Price vs 50-day SMA

18.12%

Relative volume

0.76

Return from IPO open

-38.44%

Return from IPO price

-35.57%

RSI

69.92

Sharpe ratio

1.12

Sharpe ratio (3Y)

0.57

Sharpe ratio (5Y)

0.13

Sortino ratio

2.18

Sortino ratio (3Y)

0.95

Sortino ratio (5Y)

0.27

Volume

496.8K

Weekly RSI

75.4

YTD price change

84.88%

YTD total return

84.88%

Metric	Value
Float	31.7M
Float percentage	68.82%
Shares change (QoQ)	1.85%
Shares change (YoY)	11.22%
Shares held by insiders	6.81%
Shares held by institutions	67.94%
Shares outstanding	46M
Short % of float	5.65%
Short % of shares	3.89%
Short ratio	2.9 days

Metric

Value

Float

31.7M

Float percentage

68.82%

Shares change (QoQ)

1.85%

Shares change (YoY)

11.22%

Shares held by insiders

6.81%

Shares held by institutions

67.94%

Shares outstanding

46M

Short % of float

5.65%

Short % of shares

3.89%

Short ratio

2.9 days

Oportun Financial Corporation (OPRT)

Price

Financial snapshot

Fair-value bridge

Latest news · OPRT

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All OPRT indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on OPRT

Frequently asked questions