Symbols / OPRT $4.61 -4.97%
OPRT Chart
About
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 205.09M |
| Enterprise Value | 2.92B | Income | 25.25M | Sales | 725.18M |
| Book/sh | 8.78 | Cash/sh | 2.34 | Dividend Yield | — |
| Payout | 0.00% | Employees | 2405 | IPO | — |
| P/E | 8.70 | Forward P/E | 2.41 | PEG | — |
| P/S | 0.28 | P/B | 0.53 | P/C | — |
| EV/EBITDA | — | EV/Sales | 4.03 | Quick Ratio | 6.26 |
| Current Ratio | 6.48 | Debt/Eq | 720.61 | LT Debt/Eq | — |
| EPS (ttm) | 0.53 | EPS next Y | 1.91 | EPS Growth | -64.80% |
| Revenue Growth | 7.10% | Earnings | 2026-05-07 | ROA | 0.78% |
| ROE | 6.79% | ROIC | — | Gross Margin | 95.20% |
| Oper. Margin | 10.66% | Profit Margin | 3.48% | Shs Outstand | 44.50M |
| Shs Float | 30.25M | Short Float | 4.43% | Short Ratio | 2.55 |
| Short Interest | — | 52W High | 7.96 | 52W Low | 4.05 |
| Beta | 1.12 | Avg Volume | 531.30K | Volume | 206.64K |
| Target Price | $8.33 | Recom | Buy | Prev Close | $4.85 |
| Price | $4.61 | Change | -4.97% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$8.33
Mean price target
2. Current target
$4.53
Latest analyst target
3. DCF / Fair value
$7.95
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$4.53
Low
$6.00
High
$11.00
Mean
$8.33
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-27 | reit | BTIG | Buy → Buy | $9 |
| 2026-01-12 | up | JP Morgan | Underweight → Neutral | $6 |
| 2025-12-04 | main | JP Morgan | Underweight → Underweight | $6 |
| 2025-10-07 | down | JP Morgan | Neutral → Underweight | $6 |
| 2025-07-11 | main | JP Morgan | Neutral → Neutral | $8 |
| 2025-04-08 | main | JP Morgan | Neutral → Neutral | $5 |
| 2025-02-14 | reit | JMP Securities | Market Perform → Market Perform | — |
| 2024-08-12 | reit | JMP Securities | — → Market Perform | — |
| 2024-05-13 | reit | JMP Securities | — → Market Perform | — |
| 2024-04-24 | main | B. Riley Securities | Buy → Buy | $8 |
| 2024-03-15 | down | JMP Securities | Market Outperform → Market Perform | — |
| 2024-03-14 | main | Keefe, Bruyette & Woods | Market Perform → Market Perform | $4 |
| 2024-03-14 | down | Jefferies | Buy → Hold | $4 |
| 2024-03-13 | reit | JMP Securities | Market Outperform → Market Outperform | $7 |
| 2023-11-28 | reit | JMP Securities | Market Outperform → Market Outperform | $7 |
| 2023-11-07 | main | JP Morgan | Neutral → Neutral | $7 |
| 2023-10-17 | down | JP Morgan | Overweight → Neutral | $8 |
| 2023-10-10 | main | Jefferies | Buy → Buy | $9 |
| 2023-08-15 | main | B. Riley Securities | Buy → Buy | $13 |
| 2023-08-10 | main | JMP Securities | Market Outperform → Market Outperform | $9 |
- OPRT SEC Filings - Oportun Financial Corp 10-K, 10-Q, 8-K Forms - Stock Titan hu, 05 Mar 2026 06
- Oportun: New Leadership Unlocks Potential Earnings And Valuation Gains - Seeking Alpha Fri, 06 Feb 2026 08
- Oportun Financial Corporation (OPRT) Q4 Earnings and Revenues Beat Estimates - Yahoo Finance hu, 26 Feb 2026 08
- Oportun Financial (NASDAQ:OPRT) Downgraded by Wall Street Zen to "Hold" - MarketBeat Sat, 28 Feb 2026 07
- OPRT Receives Analyst Rating Upgrade from JP Morgan | OPRT Stock News - GuruFocus Mon, 12 Jan 2026 08
- Trading Systems Reacting to (OPRT) Volatility - Stock Traders Daily ue, 03 Mar 2026 09
- Institutional owners may ignore Oportun Financial Corporation's (NASDAQ:OPRT) recent US$33m market cap decline as longer-term profits stay in the green - simplywall.st Wed, 08 Oct 2025 07
- How The New Price Target Is Reframing The Oportun Financial (OPRT) Investment Story - Yahoo Finance Sun, 25 Jan 2026 08
- Oportun Financial Corporation $OPRT Shares Acquired by CenterBook Partners LP - MarketBeat hu, 19 Feb 2026 08
- Longtime Oportun CEO to exit as 2025 revenue hits $955M-$957M - Stock Titan Wed, 21 Jan 2026 08
- Oportun Financial: Trading At A Discount To Book Value Amid Macro Uncertainty - Seeking Alpha hu, 27 Nov 2025 08
- How Oportun Financial Corporation (OPRT) Affects Rotational Strategy Timing - Stock Traders Daily Fri, 20 Feb 2026 08
- Oportun Financial (OPRT) Earnings Turn To US$25.2 Million Profit Challenging Bearish Risk Narratives - simplywall.st Sat, 28 Feb 2026 04
- Oportun Financial (NASDAQ:OPRT) shareholders have endured a 70% loss from investing in the stock five years ago - Yahoo Finance Wed, 05 Nov 2025 08
- BTIG Research Reiterates Buy Rating for Oportun Financial (NASDAQ:OPRT) - MarketBeat Fri, 27 Feb 2026 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 95603 | — | — | Stock Award(Grant) at price 0.00 per share. | KIRSCHT PATRICK | Officer | — | 2025-12-31 00:00:00 | D |
| 1 | 45890 | — | — | Stock Award(Grant) at price 0.00 per share. | SCHUELLER JOSEPH ANDREW | Officer | — | 2025-12-31 00:00:00 | D |
| 2 | 86043 | — | — | Stock Award(Grant) at price 0.00 per share. | LAYTON KATHLEEN I | Officer | — | 2025-12-31 00:00:00 | D |
| 3 | 4214 | 27981.0 | — | Sale at price 6.64 per share. | LAYTON KATHLEEN I | Officer | — | 2025-09-10 00:00:00 | D |
| 4 | 28090 | — | — | Stock Award(Grant) at price 0.00 per share. | SCHUELLER JOSEPH ANDREW | Officer | — | 2025-09-10 00:00:00 | D |
| 5 | 3644 | — | — | Stock Award(Grant) at price 0.00 per share. | MIRAMONTES LOUIS P. | Director | — | 2025-08-21 00:00:00 | D |
| 6 | 18041 | — | — | Stock Award(Grant) at price 0.00 per share. | WILCOX WARREN S | Director | — | 2025-08-19 00:00:00 | D |
| 7 | 18090 | — | — | Stock Award(Grant) at price 0.00 per share. | MINETTI CARLOS MANUEL | Director | — | 2025-07-18 00:00:00 | D |
| 8 | 18090 | — | — | Stock Award(Grant) at price 0.00 per share. | TAMBOR RICHARD N | Director | — | 2025-07-18 00:00:00 | D |
| 9 | 18090 | — | — | Stock Award(Grant) at price 0.00 per share. | MIRAMONTES LOUIS P. | Director | — | 2025-07-18 00:00:00 | D |
Financials
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 | -22.78M |
| TaxRateForCalcs | 0.21 | 0.32 | 0.29 | 0.21 |
| TotalUnusualItems | 0.00 | -108.47M | 0.00 | |
| TotalUnusualItemsExcludingGoodwill | 0.00 | -108.47M | 0.00 | |
| NetIncomeFromContinuingOperationNetMinorityInterest | 25.25M | -78.68M | -179.95M | -77.74M |
| ReconciledDepreciation | 41.41M | 51.16M | 54.88M | 47.53M |
| NetInterestIncome | 679.13M | 711.53M | 805.16M | 786.91M |
| InterestExpense | 231.50M | 238.16M | 179.41M | 93.05M |
| InterestIncome | 910.64M | 949.69M | 984.57M | 879.95M |
| NormalizedIncome | 25.25M | -78.68M | -179.95M | 7.95M |
| NetIncomeFromContinuingAndDiscontinuedOperation | 25.25M | -78.68M | -179.95M | -77.74M |
| DilutedAverageShares | 47.86M | 40.36M | 36.88M | 32.83M |
| BasicAverageShares | 46.42M | 40.36M | 36.88M | 32.83M |
| DilutedEPS | 0.53 | -1.95 | -4.88 | -2.37 |
| BasicEPS | 0.54 | -1.95 | -4.88 | -2.37 |
| DilutedNIAvailtoComStockholders | 25.25M | -78.68M | -179.95M | -77.74M |
| NetIncomeCommonStockholders | 25.25M | -78.68M | -179.95M | -77.74M |
| NetIncome | 25.25M | -78.68M | -179.95M | -77.74M |
| NetIncomeIncludingNoncontrollingInterests | 25.25M | -78.68M | -179.95M | -77.74M |
| NetIncomeContinuousOperations | 25.25M | -78.68M | -179.95M | -77.74M |
| TaxProvision | 18.83M | -36.49M | -73.70M | 2.46M |
| PretaxIncome | 44.08M | -115.18M | -253.65M | -75.29M |
| SpecialIncomeCharges | 0.00 | -108.47M | 0.00 | |
| ImpairmentOfCapitalAssets | 0.00 | 108.47M | 0.00 | |
| GainOnSaleOfSecurity | -8.93M | 11.99M | 3.30M | -11.99M |
| SellingGeneralAndAdministration | 184.53M | 207.36M | 269.51M | 323.72M |
| SellingAndMarketingExpense | 70.60M | 66.97M | 75.28M | 110.03M |
| GeneralAndAdministrativeExpense | 113.93M | 140.38M | 194.23M | 213.69M |
| OtherGandA | 33.98M | 53.22M | 72.39M | 58.84M |
| SalariesAndWages | 79.95M | 87.17M | 121.84M | 154.85M |
| TotalRevenue | 405.84M | 295.20M | 280.67M | 640.66M |
| OperatingRevenue | 405.84M | 295.20M | 280.67M | 640.66M |
| ProfessionalExpenseAndContractServicesExpense | 34.80M | 36.85M | 45.40M | 67.63M |
| OtherNonInterestExpense | 142.44M | 166.18M | 219.41M | 216.12M |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TreasurySharesNumber | 272.02K | 272.02K | 272.02K | 272.02K |
| OrdinarySharesNumber | 44.44M | 36.11M | 34.47M | 33.35M |
| ShareIssued | 44.71M | 36.38M | 34.74M | 33.63M |
| NetDebt | 2.69B | 2.74B | 2.82B | 2.83B |
| TotalDebt | 2.81B | 2.82B | 2.94B | 2.97B |
| TangibleBookValue | 318.38M | 267.22M | 289.67M | 407.80M |
| InvestedCapital | 3.19B | 3.16B | 3.31B | 3.48B |
| NetTangibleAssets | 318.38M | 267.22M | 289.67M | 407.80M |
| CapitalLeaseObligations | 11.47M | 18.20M | 28.38M | 37.95M |
| CommonStockEquity | 390.08M | 353.81M | 404.40M | 547.60M |
| TotalCapitalization | 3.19B | 3.16B | 3.31B | 3.48B |
| TotalEquityGrossMinorityInterest | 390.08M | 353.81M | 404.40M | 547.60M |
| StockholdersEquity | 390.08M | 353.81M | 404.40M | 547.60M |
| TreasuryStock | 6.31M | 6.31M | 6.31M | 6.31M |
| RetainedEarnings | -227.28M | -252.53M | -173.85M | 6.10M |
| AdditionalPaidInCapital | 623.67M | 612.64M | 584.55M | 547.80M |
| CapitalStock | 8.00K | 7.00K | 7.00K | 7.00K |
| CommonStock | 8.00K | 7.00K | 7.00K | 7.00K |
| TotalLiabilitiesNetMinorityInterest | 2.87B | 2.87B | 3.01B | 3.07B |
| EmployeeBenefits | 23.17M | 12.21M | 15.36M | 12.50M |
| NonCurrentDeferredLiabilities | 30.57M | 28.42M | ||
| NonCurrentDeferredTaxesLiabilities | 30.57M | 28.42M | ||
| LongTermDebtAndCapitalLeaseObligation | 2.81B | 2.82B | 2.94B | 2.97B |
| LongTermCapitalLeaseObligation | 11.47M | 18.20M | 28.38M | 37.95M |
| LongTermDebt | 2.80B | 2.80B | 2.91B | 2.93B |
| CurrentDebtAndCapitalLeaseObligation | 289.95M | 317.57M | 393.89M | |
| CurrentDebt | 289.95M | 317.57M | 393.89M | |
| LineOfCredit | 289.95M | 317.57M | 393.89M | |
| PayablesAndAccruedExpenses | 29.95M | 34.95M | 49.80M | 53.29M |
| CurrentAccruedExpenses | 7.05M | 12.44M | 24.79M | 26.19M |
| Payables | 22.89M | 22.51M | 25.01M | 27.10M |
| OtherPayable | 1.40M | 1.76M | 4.17M | 3.07M |
| TotalTaxPayable | 4.05M | 3.14M | 7.14M | 5.91M |
| IncomeTaxPayable | 4.05M | 3.14M | 7.14M | 5.91M |
| AccountsPayable | 17.44M | 17.62M | 13.70M | 18.11M |
| TotalAssets | 3.26B | 3.23B | 3.41B | 3.61B |
| GoodwillAndOtherIntangibleAssets | 71.70M | 86.59M | 114.73M | 139.80M |
| OtherIntangibleAssets | 71.70M | 86.59M | 114.73M | 139.80M |
| Goodwill | 0.00 | 104.01M | ||
| NetPPE | 11.51M | 12.75M | 28.10M | 40.97M |
| AccumulatedDepreciation | -39.28M | -37.63M | -41.95M | -37.69M |
| GrossPPE | 50.80M | 50.38M | 70.05M | 78.66M |
| Leases | 19.82M | |||
| OtherProperties | 50.80M | 50.38M | 70.05M | 78.66M |
| MachineryFurnitureEquipment | 24.28M | |||
| PrepaidAssets | 11.65M | 11.62M | 15.76M | 24.17M |
| Receivables | 8.08M | 8.39M | 8.78M | 11.12M |
| OtherReceivables | 8.08M | 8.39M | 8.78M | 11.12M |
| AccountsReceivable | 31.80M | 20.92M | ||
| CashAndCashEquivalents | 105.53M | 59.97M | 91.19M | 98.82M |
| CashCashEquivalentsAndFederalFundsSold | 198.93M | 214.62M | 206.02M | 203.82M |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 389.08M | 374.33M | 361.50M | 198.98M |
| RepaymentOfDebt | -2.93B | -1.91B | -1.04B | -2.28B |
| IssuanceOfDebt | 2.87B | 1.74B | 945.46M | 3.23B |
| CapitalExpenditure | -24.33M | -19.19M | -31.26M | -48.89M |
| InterestPaidSupplementalData | 194.72M | 213.97M | 183.97M | 85.78M |
| IncomeTaxPaidSupplementalData | 2.85M | 1.04M | 3.88M | |
| EndCashPosition | 198.93M | 214.62M | 206.02M | 203.82M |
| BeginningCashPosition | 214.62M | 206.02M | 203.82M | 192.96M |
| ChangesInCash | -15.69M | 8.61M | 2.20M | 10.86M |
| FinancingCashFlow | -59.38M | -191.22M | -104.39M | 934.53M |
| CashFlowFromContinuingFinancingActivities | -59.38M | -191.22M | -104.39M | 934.53M |
| NetOtherFinancingCharges | -3.65M | -13.04M | -5.42M | -16.85M |
| NetIssuancePaymentsOfDebt | -55.72M | -178.18M | -98.97M | 951.38M |
| NetLongTermDebtIssuance | -55.72M | -178.18M | -98.97M | 951.38M |
| LongTermDebtPayments | -2.93B | -1.91B | -1.04B | -2.28B |
| LongTermDebtIssuance | 2.87B | 1.74B | 945.46M | 3.23B |
| InvestingCashFlow | -369.73M | -193.69M | -286.18M | -1.17B |
| CashFlowFromContinuingInvestingActivities | -369.73M | -193.69M | -286.18M | -1.17B |
| NetOtherInvestingChanges | -971.00K | -886.00K | -1.44M | -6.00M |
| NetBusinessPurchaseAndSale | 0.00 | -111.65M | ||
| PurchaseOfBusiness | 0.00 | -111.65M | ||
| CapitalExpenditureReported | -24.33M | -19.19M | -31.26M | -48.89M |
| OperatingCashFlow | 413.41M | 393.52M | 392.76M | 247.88M |
| CashFlowFromContinuingOperatingActivities | 413.41M | 393.52M | 392.76M | 247.88M |
| ChangeInWorkingCapital | -2.29M | -30.26M | -21.05M | -80.74M |
| ChangeInOtherCurrentLiabilities | 21.73M | |||
| ChangeInOtherCurrentAssets | -23.91M | |||
| ChangeInReceivables | -8.23M | |||
| OtherNonCashItems | 24.65M | -24.08M | -68.07M | 9.59M |
| StockBasedCompensation | 10.69M | 12.99M | 18.59M | 27.62M |
| AssetImpairmentCharge | 0.00 | 108.47M | 0.00 | |
| DeferredTax | 0.00 | 16.45M | ||
| DeferredIncomeTax | 0.00 | 16.45M | ||
| DepreciationAmortizationDepletion | 41.41M | 51.16M | 54.88M | 47.53M |
| DepreciationAndAmortization | 41.41M | 51.16M | 54.88M | 47.53M |
| OperatingGainsLosses | 313.70M | 462.40M | 588.36M | 213.14M |
| NetIncomeFromContinuingOperations | 25.25M | -78.68M | -179.95M | -77.74M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for OPRT
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|