Symbols / OPRT
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. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Credit Services | Market Cap | 221.97M |
| Enterprise Value | 2.85B | Income | 30.58M | Sales | 712.62M |
| Book/sh | 8.71 | Cash/sh | 2.63 | Dividend Yield | — |
| Payout | 0.00% | Employees | 2312 | IPO | — |
| P/E | 6.99 | Forward P/E | 3.20 | PEG | — |
| P/S | 0.31 | P/B | 0.58 | P/C | — |
| EV/EBITDA | — | EV/Sales | 4.00 | Quick Ratio | 51.19 |
| Current Ratio | 53.48 | Debt/Eq | 714.80 | LT Debt/Eq | — |
| EPS (ttm) | 0.72 | EPS next Y | 1.57 | EPS Growth | — |
| Revenue Growth | -6.20% | Earnings | 2026-02-26 | ROA | 0.95% |
| ROE | 8.60% | ROIC | — | Gross Margin | 95.05% |
| Oper. Margin | 6.43% | Profit Margin | 4.29% | Shs Outstand | 44.13M |
| Shs Float | 30.04M | Short Float | 4.35% | Short Ratio | 2.89 |
| Short Interest | — | 52W High | 9.24 | 52W Low | 4.05 |
| Beta | 1.18 | Avg Volume | 429.40K | Volume | 483.17K |
| Target Price | $8.25 | Recom | None | Prev Close | $4.96 |
| Price | $5.03 | Change | 1.41% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$8.25
Mean price target
2. Current target
$5.03
Latest analyst target
3. DCF / Fair value
$10.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$5.03
Low
$5.50
High
$11.00
Mean
$8.25
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 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 |
| 2023-07-25 | main | BTIG | Buy → Buy | $8 |
- Oportun Financial Corporation (NASDAQ:OPRT) Given Average Recommendation of "Hold" by Brokerages - MarketBeat ue, 17 Feb 2026 10
- 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
- Oportun Financial Prices $485 Million ABS Securitization Deal - The Globe and Mail Wed, 11 Feb 2026 08
- Oportun: New Leadership Unlocks Potential Earnings And Valuation Gains - Seeking Alpha Fri, 06 Feb 2026 08
- $OPRT stock is up 27% today. Here's what we see in our data. - Quiver Quantitative hu, 22 Jan 2026 08
- Longtime Oportun CEO to exit as 2025 revenue hits $955M-$957M - Stock Titan Wed, 21 Jan 2026 08
- OPRT Receives Analyst Rating Upgrade from JP Morgan | OPRT Stock News - GuruFocus Mon, 12 Jan 2026 08
- (OPRT) and the Role of Price-Sensitive Allocations - Stock Traders Daily Mon, 09 Feb 2026 06
- Oportun Financial (OPRT) Could Find a Support Soon, Here's Why You Should Buy the Stock Now - Nasdaq Wed, 01 Oct 2025 07
- What drives OPRT’s stock price - Trade Volume Report & Long Hold Capital Preservation Plans - mfd.ru Sun, 15 Feb 2026 12
- Oportun Surges 80.7% YTD: Is It Too Late to Buy OPRT Stock? - Yahoo Finance Fri, 13 Jun 2025 07
- Oportun Financial (OPRT) to Release Quarterly Earnings on Wednesday - MarketBeat Wed, 04 Feb 2026 08
- $441M ABS, 5.77% yield: Oportun completes fourth ABS of 2025 and third consecutive AAA-rated deal - Stock Titan Mon, 20 Oct 2025 07
- Does Oportun Financial (OPRT) Have the Potential to Rally 43.93% as Wall Street Analysts Expect? - Nasdaq ue, 26 Aug 2025 07
- Oportun Financial: Consumer Finance Poised For Up-Cycle (NASDAQ:OPRT) - Seeking Alpha ue, 12 Aug 2025 07
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 | 28090 | — | — | Stock Award(Grant) at price 0.00 per share. | SCHUELLER JOSEPH ANDREW | Officer | — | 2025-09-10 00:00:00 | D |
| 4 | 4214 | 27981.0 | — | Sale at price 6.64 per share. | LAYTON KATHLEEN I | 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 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | -22.78M | 0.00 |
| TaxRateForCalcs | 0.32 | 0.29 | 0.21 | 0.24 |
| TotalUnusualItems | 0.00 | -108.47M | 0.00 | |
| TotalUnusualItemsExcludingGoodwill | 0.00 | -108.47M | 0.00 | |
| NetIncomeFromContinuingOperationNetMinorityInterest | -78.68M | -179.95M | -77.74M | 47.41M |
| ReconciledDepreciation | 51.16M | 54.88M | 47.53M | 27.11M |
| NetInterestIncome | 711.53M | 805.16M | 786.91M | 528.17M |
| InterestExpense | 238.16M | 179.41M | 93.05M | 47.67M |
| InterestIncome | 949.69M | 984.57M | 879.95M | 575.84M |
| NormalizedIncome | -78.68M | -179.95M | 7.95M | 47.41M |
| NetIncomeFromContinuingAndDiscontinuedOperation | -78.68M | -179.95M | -77.74M | 47.41M |
| DilutedAverageShares | 40.86M | 36.88M | 32.83M | 30.32M |
| BasicAverageShares | 40.36M | 36.88M | 32.83M | 28.19M |
| DilutedEPS | -1.95 | -4.88 | -2.37 | 1.56 |
| BasicEPS | -1.95 | -4.88 | -2.37 | 1.68 |
| DilutedNIAvailtoComStockholders | -78.68M | -179.95M | -77.74M | 47.41M |
| NetIncomeCommonStockholders | -78.68M | -179.95M | -77.74M | 47.41M |
| NetIncome | -78.68M | -179.95M | -77.74M | 47.41M |
| NetIncomeIncludingNoncontrollingInterests | -78.68M | -179.95M | -77.74M | 47.41M |
| NetIncomeContinuousOperations | -78.68M | -179.95M | -77.74M | 47.41M |
| TaxProvision | -36.49M | -73.70M | 2.46M | 15.38M |
| PretaxIncome | -115.18M | -253.65M | -75.29M | 62.79M |
| SpecialIncomeCharges | 0.00 | -108.47M | 0.00 | |
| ImpairmentOfCapitalAssets | 0.00 | 108.47M | 0.00 | |
| GainOnSaleOfSecurity | 11.99M | 3.30M | -11.99M | -1.67M |
| SellingGeneralAndAdministration | 207.36M | 269.51M | 323.72M | 270.19M |
| SellingAndMarketingExpense | 66.97M | 75.28M | 110.03M | 116.88M |
| GeneralAndAdministrativeExpense | 140.38M | 194.23M | 213.69M | 153.31M |
| OtherGandA | 53.22M | 72.39M | 58.84M | 37.48M |
| SalariesAndWages | 87.17M | 121.84M | 154.85M | 115.83M |
| TotalRevenue | 295.20M | 280.67M | 640.66M | 530.48M |
| OperatingRevenue | 295.20M | 280.67M | 640.66M | 530.48M |
| ProfessionalExpenseAndContractServicesExpense | 36.85M | 45.40M | 67.63M | 57.93M |
| OtherNonInterestExpense | 166.18M | 219.41M | 216.12M | 139.56M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TreasurySharesNumber | 272.02K | 272.02K | 272.02K | 272.02K |
| OrdinarySharesNumber | 36.11M | 34.47M | 33.35M | 32.00M |
| ShareIssued | 36.38M | 34.74M | 33.63M | 32.28M |
| NetDebt | 2.74B | 2.82B | 2.83B | 2.03B |
| TotalDebt | 2.82B | 2.94B | 2.97B | 2.21B |
| TangibleBookValue | 267.22M | 289.67M | 407.80M | 368.69M |
| InvestedCapital | 3.16B | 3.31B | 3.48B | 2.76B |
| NetTangibleAssets | 267.22M | 289.67M | 407.80M | 368.69M |
| CapitalLeaseObligations | 18.20M | 28.38M | 37.95M | 47.70M |
| CommonStockEquity | 353.81M | 404.40M | 547.60M | 603.88M |
| TotalCapitalization | 3.16B | 3.31B | 3.48B | 2.76B |
| TotalEquityGrossMinorityInterest | 353.81M | 404.40M | 547.60M | 603.88M |
| StockholdersEquity | 353.81M | 404.40M | 547.60M | 603.88M |
| TreasuryStock | 6.31M | 6.31M | 6.31M | 6.31M |
| RetainedEarnings | -252.53M | -173.85M | 6.10M | 83.85M |
| AdditionalPaidInCapital | 612.64M | 584.55M | 547.80M | 526.34M |
| CapitalStock | 7.00K | 7.00K | 7.00K | 6.00K |
| CommonStock | 7.00K | 7.00K | 7.00K | 6.00K |
| TotalLiabilitiesNetMinorityInterest | 2.87B | 3.01B | 3.07B | 2.34B |
| EmployeeBenefits | 12.21M | 15.36M | 12.50M | 36.42M |
| NonCurrentDeferredLiabilities | 30.57M | 28.42M | ||
| NonCurrentDeferredTaxesLiabilities | 30.57M | 28.42M | ||
| LongTermDebtAndCapitalLeaseObligation | 2.82B | 2.94B | 2.97B | 2.21B |
| LongTermCapitalLeaseObligation | 18.20M | 28.38M | 37.95M | 47.70M |
| LongTermDebt | 2.80B | 2.91B | 2.93B | 2.16B |
| CurrentDebtAndCapitalLeaseObligation | 289.95M | 317.57M | 393.89M | |
| CurrentDebt | 289.95M | 317.57M | 393.89M | |
| LineOfCredit | 289.95M | 317.57M | 393.89M | |
| PayablesAndAccruedExpenses | 34.95M | 49.80M | 53.29M | 70.52M |
| CurrentAccruedExpenses | 12.44M | 24.79M | 26.19M | 36.46M |
| Payables | 22.51M | 25.01M | 27.10M | 34.05M |
| OtherPayable | 1.76M | 4.17M | 3.07M | 14.06M |
| TotalTaxPayable | 3.14M | 7.14M | 5.91M | 8.37M |
| IncomeTaxPayable | 3.14M | 7.14M | 5.91M | 8.37M |
| AccountsPayable | 17.62M | 13.70M | 18.11M | 11.62M |
| TotalAssets | 3.23B | 3.41B | 3.61B | 2.95B |
| GoodwillAndOtherIntangibleAssets | 86.59M | 114.73M | 139.80M | 235.19M |
| OtherIntangibleAssets | 86.59M | 114.73M | 139.80M | 131.18M |
| Goodwill | 0.00 | 104.01M | ||
| NetPPE | 12.75M | 28.10M | 40.97M | 48.32M |
| AccumulatedDepreciation | -37.63M | -41.95M | -37.69M | -34.19M |
| GrossPPE | 50.38M | 70.05M | 78.66M | 82.50M |
| Leases | 19.82M | |||
| OtherProperties | 50.38M | 70.05M | 78.66M | 82.50M |
| MachineryFurnitureEquipment | 24.28M | |||
| PrepaidAssets | 11.62M | 15.76M | 24.17M | 25.36M |
| Receivables | 8.39M | 8.78M | 11.12M | 34.25M |
| OtherReceivables | 8.39M | 8.78M | 11.12M | 13.33M |
| AccountsReceivable | 31.80M | 20.92M | ||
| CashAndCashEquivalents | 59.97M | 91.19M | 98.82M | 130.96M |
| CashCashEquivalentsAndFederalFundsSold | 214.62M | 206.02M | 203.82M | 192.96M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 374.33M | 361.50M | 198.98M | 136.97M |
| RepaymentOfDebt | -1.91B | -1.04B | -2.28B | -2.02B |
| IssuanceOfDebt | 1.74B | 945.46M | 3.23B | 2.77B |
| CapitalExpenditure | -19.19M | -31.26M | -48.89M | -26.48M |
| InterestPaidSupplementalData | 213.97M | 183.97M | 85.78M | 46.83M |
| IncomeTaxPaidSupplementalData | 1.04M | 3.88M | ||
| EndCashPosition | 214.62M | 206.02M | 203.82M | 192.96M |
| BeginningCashPosition | 206.02M | 203.82M | 192.96M | 168.59M |
| ChangesInCash | 8.61M | 2.20M | 10.86M | 24.37M |
| FinancingCashFlow | -191.22M | -104.39M | 934.53M | 745.71M |
| CashFlowFromContinuingFinancingActivities | -191.22M | -104.39M | 934.53M | 745.71M |
| NetOtherFinancingCharges | -13.04M | -5.42M | -16.85M | -5.42M |
| NetIssuancePaymentsOfDebt | -178.18M | -98.97M | 951.38M | 751.12M |
| NetLongTermDebtIssuance | -178.18M | -98.97M | 951.38M | 751.12M |
| LongTermDebtPayments | -1.91B | -1.04B | -2.28B | -2.02B |
| LongTermDebtIssuance | 1.74B | 945.46M | 3.23B | 2.77B |
| InvestingCashFlow | -193.69M | -286.18M | -1.17B | -884.79M |
| CashFlowFromContinuingInvestingActivities | -193.69M | -286.18M | -1.17B | -884.79M |
| NetOtherInvestingChanges | -886.00K | -1.44M | -6.00M | -12.30M |
| NetBusinessPurchaseAndSale | 0.00 | -111.65M | ||
| PurchaseOfBusiness | 0.00 | -111.65M | ||
| CapitalExpenditureReported | -19.19M | -31.26M | -48.89M | -26.48M |
| OperatingCashFlow | 393.52M | 392.76M | 247.88M | 163.45M |
| CashFlowFromContinuingOperatingActivities | 393.52M | 392.76M | 247.88M | 163.45M |
| ChangeInWorkingCapital | -30.26M | -21.05M | -80.74M | -10.42M |
| ChangeInOtherCurrentLiabilities | 21.73M | |||
| ChangeInOtherCurrentAssets | -23.91M | |||
| ChangeInReceivables | -8.23M | |||
| OtherNonCashItems | -24.08M | -68.07M | 9.59M | 42.15M |
| StockBasedCompensation | 12.99M | 18.59M | 27.62M | 18.86M |
| AssetImpairmentCharge | 0.00 | 108.47M | 0.00 | |
| DeferredTax | 0.00 | 16.45M | ||
| DeferredIncomeTax | 0.00 | 16.45M | ||
| DepreciationAmortizationDepletion | 51.16M | 54.88M | 47.53M | 27.11M |
| DepreciationAndAmortization | 51.16M | 54.88M | 47.53M | 27.11M |
| OperatingGainsLosses | 462.40M | 588.36M | 213.14M | 21.88M |
| NetIncomeFromContinuingOperations | -78.68M | -179.95M | -77.74M | 47.41M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for OPRT
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|