Price
No data yet.
Social Signal Score
Analyst Ratings
9 analystsRevenue
$233.20M+331.22%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Doug Bland
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 2,405
- Beta
- 1.25
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 0.33
Financials
Revenue
$233.20M+331.2%Net Income
$8.50M+136.1%EBITDA
$24.60M+140.0%Free Cash Flow
$115.81M+308.7%EPS (diluted)
$0.17+6.3%Shares Outstanding (diluted)
48.95M+116.7%Operating Expenses
$90.00MCash & Debt
$139.60MReturn of Capital
$0.00Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $637.34M | $25.25M | $0.53 |
| 2024 | $533.36M | $-78.68M | $-1.95 |
| 2023 | $460.08M | $-179.95M | $-4.88 |
| 2022 | $733.70M | $-77.74M | $-2.37 |
| 2021 | $578.15M | $47.41M | $1.68 |
| 2020 | $393.43M | $-45.08M | $-1.65 |
| 2019 | $502.91M | $61.60M | $0.46 |
| 2018 | $520.48M | $123.39M | $5.60 |
| 2017 | $360.95M | $-10.21M | $-0.46 |
| 2016 | $277.52M | $50.86M | $2.31 |
| 2015 | $195.23M | $8.39M | $0.31 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from OPRT's reported EPS growth of 5.5% a year over 10 years.
- EPS in 5 years
- $0.69
- Implied price
- $6.89
- Return from $8.35
- -3.8% a year
To earn 15.0% a year on these assumptions you'd need to buy at $3.43 — -58.9% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 6 | 8 | 10 | 12 | 14 |
|---|---|---|---|---|---|
| -4.5% | -21.3% | -16.7% | -12.9% | -9.6% | -6.8% |
| 0.5% | -17.2% | -12.3% | -8.3% | -4.9% | -1.9% |
| 5.5% | -13.1% | -8.0% | -3.8% | -0.2% | 2.9% |
| 10.5% | -9.0% | -3.6% | 0.8% | 4.5% | 7.8% |
| 15.5% | -4.9% | 0.8% | 5.4% | 9.3% | 12.7% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
70+133.33%Social Signal Score
Mentions (11)
- Newszacks.com·4d ago·Positive
Fast-paced Momentum Stock Oportun Financial (OPRT) Is Still Trading at a Bargain Oportun Financial (OPRT) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices.
View source ↗ - Newsmarketbeat.com·8d ago·Neutral
Oportun Financial Eyes Stronger 2026 as Credit Quality, Profits Improve Oportun Financial NASDAQ: OPRT said it has built a more resilient earnings platform through sustained profitability, improving credit performance, lower funding costs and stronger liquidity, while shifting its focus toward durable risk-adjusted growth.
View source ↗ - Newsglobenewswire.com·13d ago·Negative
Oportun to Present at Sidoti September Virtual Investor Conference SAN MATEO, Calif., Sept. 22, 2026 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that it will participate in the upcoming Sidoti September Virtual Investor Conference.
View source ↗ - Newsglobenewswire.com·14d ago·Negative
Oportun Appoints Bernardo Martinez as Chief Retail and Sales Officer and Garrett Hope as Chief Product Officer Experienced consumer financial services and product leaders will deepen member relationships and advance Oportun's mission of expanding access to responsible financial services Experienced consumer financial services and product leaders will deepen member relationships and advance Oportun's mission of expanding access to responsible financial services
View source ↗ - Newsseekingalpha.com·26d ago·Neutral
Oportun: The Turnaround Is Here, Upgrading To Buy I rated OPRT a Hold in January over expensive corporate debt, 7.7x leverage, and an ongoing proxy contest. Since then the stock is up around 60%. Each of those concerns has been addressed: the costly term loan is largely repaid, blended cost of debt fell from 8.6% to 6.3%, and activist-driven change brought in new CEO. Credit quality surprised to the upside: 30-day delinquencies of 4% are the lowest since Q4'21, and FY26 charge-off guidance of 11…
View source ↗ - Newsglobenewswire.com·28d ago·Negative
Oportun Names Bill Franklin as Chief Financial Officer Seasoned financial services executive brings deep consumer lending and public markets expertise to advance Oportun's mission and profitable growth. Seasoned financial services executive brings deep consumer lending and public markets expertise to advance Oportun's mission and profitable growth.
View source ↗ - Newszacks.com·35d ago·Positive
Why Fast-paced Mover Oportun Financial (OPRT) Is a Great Choice for Value Investors Oportun Financial (OPRT) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices.
View source ↗ - Newszacks.com·45d ago·Positive
Wall Street Analysts See a 30.97% Upside in Oportun Financial (OPRT): Can the Stock Really Move This High? The mean of analysts' price targets for Oportun Financial (OPRT) points to a 31% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock.
View source ↗ - Newszacks.com·52d ago·Positive
Earnings Estimates Moving Higher for Oportun Financial (OPRT): Time to Buy? Oportun Financial Corporation (OPRT) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
View source ↗ - Newszacks.com·52d ago·Positive
Despite Fast-paced Momentum, Oportun Financial (OPRT) Is Still a Bargain Stock Oportun Financial (OPRT) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices.
View source ↗ - Newsglobenewswire.com·53d ago·Negative
Oportun Appoints Scott Scheirman to its Board of Directors SAN MATEO, Calif., Aug. 13, 2026 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced Scott Scheirman has joined its Board of Directors as an independent Director, effective August 11, 2026. He will serve as Chair of the Board's Audit & Risk Committee and as a member of its Compensation & Leadership Committee. With his appointment, Oportun's Board now includes eight directors.
View source ↗
Earnings
Tue, Nov 3(in 4 weeks)
Consensus estimate $0.45 per share
Typical surprise +40.9% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Aug 5$0.42 vs $0.33beat
- Thu, May 7$0.21 vs $0.21beat
- Thu, Feb 26$0.27 vs $0.26beat
- Tue, Nov 4$0.39 vs $0.26beat
- Wed, Aug 6$0.31 vs $0.22beat
- Thu, May 8$0.40 vs $0.09beat
Estimates and results for OPRT via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by OPRT officers and directors.
- Bought
- $318k
- Sold
- $1.0m
6 trades
30 trades
- Schueller Joseph Andrewsold
- Schueller Joseph Andrewsold
- Layton Kathleen I.sold
- Kirscht Patricksold
- Kirscht Patricksold
- Kirscht Patricksold
- Kirscht Patricksold
- Layton Kathleen I.sold
64 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in OPRT.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.