OPRT

Oportun Financial Corporation

Fundamental data last updated:August 18, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.

 


Analyze OPRT on TradingView

VALUATION

P/E

14.69

Market Cap ($M USD)

$247.77M

Forward P/E

2.35

PEG

0.00

PRICE TO SALES

0.40

PRICE TO BOOK

0.66

EV / EBITDA

37.37

5-Year Average P/E

Free Cash Flow Yield

162.61%

DCF Value

$-84.39

Graham Number

$8.23

Price to FCF

0.61

EV to FCF

6.85

Earnings Yield

6.81%

FCF Yield

162.61%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$0.37

Next Year EPS Growth Estimate

$2.31

Next Year Revenue Growth Estimate

$1.05B

Return on Equity (ROE)

4.63%

FREE CASH FLOW

Operating Margin

5.60%

Debt-to-Equity

7.21

Piotroski F-Score

8

Altman Z-Score

0.26

Return on Invested Capital (ROIC)

1.09%

Current Ratio

47.29

Quick Ratio

47.29

Net Debt to EBITDA

34.01

Interest Coverage

0.16

Gross Profit margin

64.00%

FCF PER SHARE

$8.31

REVENUE PER SHARE

$12.72

Analyze OPRT on TradingView

Gainseekers Quantitative Analysis

Summary

The market seems to be mispricing Oportun Financial Corporation. With a Forward P/E of 2.49 and a PEG ratio of just 0.47%, the stock appears undervalued relative to its growth potential. However, the Altman Z-score of 0.27 signals financial distress, raising concerns about its long-term viability. The Earnings Yield of 6.42% suggests some income potential, but the negative DCF Value indicates a significant gap between market expectations and intrinsic worth. This stock is a complex mix of opportunity and risk.

AI Exposure / Tech Reliance

Operating in the Financial - Credit Services industry, Oportun Financial Corporation is positioned to leverage AI for credit risk assessment and customer service automation. However, the traditional nature of its services may limit rapid adaptation to tech shifts. Its resilience will depend on integrating AI to enhance operational efficiency.

The Bull Case

For a value or GARP investor, Oportun Financial Corporation presents intriguing opportunities. The Piotroski F-Score of 8 indicates strong financial health, while a robust FCF Yield of 1.56% suggests efficient cash generation. Despite a modest ROIC of 1.09%, the company's operating margin of 5.60% reflects decent pricing power. These metrics hint at a company capable of capital efficiency and potential growth.

The Bear Case

Yet, the structural risks are glaring. The Debt/Equity ratio of 7.21 is alarmingly high, indicating a heavy reliance on debt financing. With an Interest Coverage ratio of just 0.16, the company struggles to meet its interest obligations, posing a significant risk. Additionally, the EV to EBITDA multiple of 37.57 suggests overvaluation, and the Altman Z-score underscores potential financial instability. These factors paint a picture of a company on shaky ground.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$10.88

Institutional Ownership %

1-Year Beta

1.31

Insider Buying % (6 Mo)

Distance to 52-Week High

47.03%

Distance to 52-Week Low

25.61%

EARNINGS SURPRISE %

0.00%

50-DAY SMA

$5.24

200-DAY SMA

$5.45

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.