Oportun Financial (OPRT) Stock Price, News & Analysis

Company Overview

Oportun Financial Corporation provides financial services. 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 Carlos, California.

Key Stats

• Today's Range: $6.52 to $6.73
• 50-Day Range: $5.63 to $7.69
• 52-Week Range: $2.37 to $9.24
• Volume: 464,309 shs
• Average Volume: 609,753 shs
• Market Capitalization: $290.91 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $9.33
• Consensus Rating: Moderate Buy

Oportun Financial Stock Analysis - MarketRank™

Oportun Financial scored higher than 84% of companies evaluated by MarketBeat, and ranked 268th out of 941 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Oportun Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 2 buy ratings, 3 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Oportun Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 50.00%

Earnings Growth

Earnings for Oportun Financial are expected to grow by 50.00% in the coming year, from $0.94 to $1.41 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Oportun Financial is -33.05, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Oportun Financial is -33.05, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Oportun Financial has a P/B Ratio of 0.77. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

4.96% of the float of Oportun Financial has been sold short.

Short Interest Ratio / Days to Cover

Oportun Financial has a short interest ratio ("days to cover") of 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Oportun Financial has recently increased by 5.32%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Oportun Financial does not currently pay a dividend.

Dividend Growth

Oportun Financial does not have a long track record of dividend growth.

Sustainability and ESG

• Score: 0.8 / 5
• Environmental Score: -0.08

Percentage of Shares Shorted

4.96% of the float of Oportun Financial has been sold short.

Short Interest Ratio / Days to Cover

Oportun Financial has a short interest ratio ("days to cover") of 3.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Oportun Financial has recently increased by 5.32%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 1.29

News Sentiment

Oportun Financial has a news sentiment score of 1.29. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Oportun Financial this week, compared to 3 articles on an average week.

Search Interest

10 people have searched for OPRT on MarketBeat in the last 30 days. This is an increase of 400% compared to the previous 30 days.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Oportun Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 9.30% of the stock of Oportun Financial is held by insiders.

Percentage Held by Institutions

82.70% of the stock of Oportun Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

OPRT Stock Analysis - Frequently Asked Questions

How have OPRT shares performed this year?

Oportun Financial's stock was trading at $3.88 on January 1st, 2025. Since then, OPRT shares have increased by 70.4% and is now trading at $6.61.

How were Oportun Financial's earnings last quarter?

Oportun Financial Corporation (NASDAQ:OPRT) issued its quarterly earnings results on Wednesday, February, 12th. The company reported $0.44 earnings per share for the quarter, beating the consensus estimate of $0.12 by $0.32. Oportun Financial had a positive trailing twelve-month return on equity of 13.15% and a negative net margin of 0.47%.
Read the conference call transcript.

When did Oportun Financial IPO?

Oportun Financial (OPRT) raised $101 million in an initial public offering on Thursday, September 26th 2019. The company issued 6,300,000 shares at a price of $15.00-$17.00 per share. Barclays, J.P. Morgan, Jefferies and Keefe, Bruyette & Woods (A Stifel Company) acted as the underwriters for the IPO and JMP Securities and BTIG were co-managers.

Who are Oportun Financial's major shareholders?

Oportun Financial's top institutional investors include Cannell Capital LLC (3.64%), Acadian Asset Management LLC (2.44%), Boothbay Fund Management LLC (2.35%) and Geode Capital Management LLC (1.77%). Insiders that own company stock include Raul Vazquez, Patrick Kirscht, Casey Mueller, Jonathan Aaron Coblentz, R Neil Williams and Mohit Daswani.
View institutional ownership trends.

How do I buy shares of Oportun Financial?

Shares of OPRT stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Oportun Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Oportun Financial investors own include Waste Connections (WCN), AU Optronics (AUOTY), The RMR Group (RMR), DiamondRock Hospitality (DRH), American Water Works (AWK), Triple Flag Precious Metals (TFPM) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 2/12/2025
• Today: 8/31/2025
• Next Earnings (Estimated): 11/11/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Banking
• Current Symbol: NASDAQ:OPRT
• CIK: 1538716
• Web: www.oportun.com
• Phone: 650-810-8823
• Fax: N/A
• Employees: 2,429
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Oportun Financial: $9.33
• High Price Target: $10.00
• Low Price Target: $8.00
• Potential Upside/Downside: +41.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.20)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 7.03
• P/E Growth: N/A
• Net Income: -$78.68 million
• Net Margins: -0.47%
• Pretax Margin: -1.27%
• Return on Equity: 13.15%
• Return on Assets: 1.45%

Debt

• Debt-to-Equity Ratio: 6.79
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $1.00 billion
• Price / Sales: 0.29
• Cash Flow: $1.95 per share
• Price / Cash Flow: 3.39
• Book Value: $8.54 per share
• Price / Book: 0.77

Miscellaneous

• Outstanding Shares: 44,010,000
• Free Float: 39,916,000
• Market Cap: $290.91 million
• Optionable: Optionable
• Beta: 1.23