Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

OPRT stock hub

Oportun Financial Corporation has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

262.8M

NASDAQ

Market data

Live price

Current market quote for this ticker.

Current price

OPRT

In the news

Latest news · OPRT

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E3.2

P25 8.8P50 10.4P75 13.1

Trailing P/E15.5

P25 10.9P50 14.7P75 36.2

ROE4.7

P25 4.9P50 10.4P75 15

ROIC0.6

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All OPRT market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

216

Groups with data

Currency

USD

Showing 216 of 216 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001538716
Company name	Oportun Financial Corporation
Country	United States
Country code	US
Cusip	68376D104
Employees	2,488
Employees Change	59%
Employees Change Percent	2.43
Enterprise value	$2.9B
Exchange	NASDAQ
Financial currency	USD
First seen	2026-05-09
Industry	Credit Services
IPO Date	2019-09-26
Isin	US68376D1046
Last refreshed	2026-05-10
Market cap	$262.8M
Market cap category	Micro-Cap
Price	$5.75
Price currency	USD
Rev Per Employee	292,389.87x
Sector	Financials
Sic	6199
Symbol	OPRT
Website	https://oportun.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	6.78%
EV Earnings	159.9x
EV Sales Forward	2.96x
EV/FCF	6.85x
EV/Sales	3.92x
FCF yield	158.38%
Forward P/E	3.19x
P/B ratio	0.66x
P/E ratio	15.47x
P/S ratio	0.36x
PS Forward	0.27x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	57.21%
Gross margin	95.12%
Gross Profit	$692M
Net Income	$17.8M
Net Income Growth Q	-75.99%
Net Income Growth Years	2%
Pretax Margin	4.74%
Profit Margin	2.45%
Profit Per Employee	$7,164
Profitable Years	1
ROA	0.56
Roa5y	-1.43
ROE	4.68
Roe5y	-11.28
ROIC	0.62
Roic5y	0.44

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr1y	3.33%
Cagr3y	12.64%
Cagr5y	-23.41%
EPS Growth Q	-76.46
EPS Growth Years	2
FCF Growth	1.85%
FCF Growth Q	2.73%
FCF Growth3 Y	13.3%
FCF Growth5 Y	28.13%
OCF Growth	1.85%
OCF Growth Q	2.73%
OCF Growth3 Y	13.3%
OCF Growth5 Y	28.47%
Revenue Growth	-2.5x
Revenue Growth Q	1.28x
Revenue Growth Years	2x
Revenue Growth3 Y	-6.11x
Revenue Growth5 Y	7.78x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	$0.23
Assets	$3.2B
Cash	$130.4M
Debt	$2.7B
Debt Equity	$6.86
Debt FCF	$6.53
Equity	$396.3M
Liabilities	$2.8B
Net Cash	$-2.6B
Net Cash By Market Cap	$-985
Net Debt Equity	$6.53
Net Debt FCF	$6.22
Tangible Book Value	$326.9M
Tangible Book Value Per Share	$7.17
WACC	1.01

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	60.01
Quick ratio	58.19
Working Capital	$3B
Working Capital Turnover	$0.25

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-14.8%
Dividend Yield	0%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
1Y total return	3.33%
200-day SMA	5.5
3Y total return	42.91%
50-day SMA	5.13
50-day SMA vs 200-day SMA	50under200
5Y total return	-73.65%
All Time High	27.95
All Time High Change	-79.45%
All Time High Date	2021-11-12
All Time Low	2.05
All Time Low Change	180.24%
All Time Low Date	2024-04-16
ATR	0.32
Beta	1.31
Beta1y	2.11
Beta2y	1.7
Ch YTD	8.6
High	5.86
High52	7.97
High52 Date	2025-07-07
High52ch	-27.87%
Low	5.12
Low52	4.03
Low52 Date	2026-03-19
Low52ch	42.56%
Ma50ch	12.1%
Price vs 200-day SMA	4.45%
RSI	56.38
RSI Monthly	50.91
RSI Weekly	55.16
Sharpe ratio	0.29x
Sortino ratio	0.55
Total Return	-14.8%
Tr YTD	8.6
Tr1m	20.69%
Tr1w	0.26%
Tr3m	2.22%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	2
Analyst Count Top	1
Analyst Price Target Top	$5
Analyst Ratings	Buy
Analyst Ratings Top	Hold
Earnings EPS Estimate	$0.16
Earnings EPS Estimate Growth	-60
Earnings Revenue Estimate	228,834,400x
Earnings Revenue Estimate Growth	-3x
Operating Income	$37.9M
Operating Income Growth	54.59
Operating Income Growth Q	0.51
Operating margin	5.21
Price target	$7
Price Target Change	$21.85
Price Target Change Top	$-12.97

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	30,547,928%
Float Percent	66.79%
Net Borrowing	-127,416,000
Shares Insiders	5.94%
Shares Institutions	65.66%
Shares Out	45,738,543
Shares Qo Q	0.67%
Shares Yo Y	14.81%
Short Float	4.81%
Short Ratio	3.37
Short Shares	3.21

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$404.2M
Average Volume	422,588.45x
Bv Per Share	8.69
Ch1m	20.69
Ch1w	0.26
Ch1y	3.33
Ch3m	2.22
Ch3y	42.91
Ch5y	-73.65
Ch6m	21.33
Change	-0.09%
Change From Open	4.26
Close	5.75
Days Gap	-4.17
Depreciation Amortization	1,544,000
Dollar Volume	2,756,123.5
Earnings Date	2026-05-07
Earnings Time	amc
EPS	$0.37
F Score	6
FCF	$416.2M
FCF EV Yield	14.6x
FCF Per Share	$9.1
Financing CF	-131,057,000
Fiscal Year End	December
Founded	2,005
Graham Number	8.52196
Graham Upside	48.34
Income Tax	$16.7M
Investing CF	-306,223,000
Ipr	-61.7
Iprfo	-63.41
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-05-07
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-27
Ma150	5.22
Ma150ch	10.04%
Ma20	5.7
Ma20ch	0.84%
Net CF	-21,119,000
Next Earnings Date	2026-08-05
Open	5.51
Optionable	Yes
P FCF Ratio	0.63
P OCF Ratio	0.63
Position In Range	84.46
Ppne	12,436,000
Price Date	2026-05-08
Ptbv Ratio	0.8
Relative Volume	1.14x
Revenue	727,466,000x
SBC By Revenue	1.65x
Share Based Comp	11,998,000
Tax By Revenue	2.29x
Tax Rate	48.3%
Tr6m	21.33%
Us State	California
Volume	479,743

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does OPRT pay a dividend?

Capital-return profile for this ticker.

Performance

OPRT stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns OPRT?

Insider, institutional, and short-interest positioning.

Institutional ownership

+65.7%

Float: +66.8% of shares outstanding

Insider ownership

+5.9%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

OPRT momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

56.4

Neutral momentum band

Price vs 200-day MA

+4.5%

50/200-day relationship not available

Beta (5Y)

1.31

More volatile than the market

Sharpe ratio

0.29

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

OPRT vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	घटाएँ
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	घटाएँ
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	घटाएँ

Questions

About OPRT

Hub-level FAQ points readers to the deeper analysis pages.

What is the current OPRT stock rating?

Oportun Financial Corporation is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full OPRT analysis?

The full report lives at /stocks/OPRT/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for OPRT?

The latest report frames OPRT around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the OPRT page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.