Oportun Financial (NASDAQ:OPRT) Issues FY 2026 Earnings Guidance

Key Points

• Oportun issued FY 2026 guidance of EPS $1.50–$1.65 (vs. consensus $1.46) and revenue guidance of $935–$955 million (vs. consensus $945.2 million).
• Analyst sentiment is mixed—Oportun's average rating is "Hold" with a $8.00 average target after recent downgrades and price-target cuts (two Buys, two Holds, one Sell).
• Shares traded at $5.75 (-1%) with a market cap of $263M and a P/E of 10.85; insiders sold shares in March reducing their stakes (insiders now own 9.3%) while institutional ownership is high at 82.7%.

Oportun Financial (NASDAQ:OPRT - Get Free Report) issued an update on its FY 2026 earnings guidance on Thursday morning. The company provided earnings per share guidance of 1.500-1.650 for the period, compared to the consensus earnings per share estimate of 1.460. The company issued revenue guidance of $935.0 million-$955.0 million, compared to the consensus revenue estimate of $945.2 million. Oportun Financial also updated its Q2 2026 guidance to EPS.

Wall Street Analyst Weigh In

OPRT has been the topic of several analyst reports. Wall Street Zen downgraded Oportun Financial from a "buy" rating to a "hold" rating in a research report on Saturday, February 28th. JPMorgan Chase & Co. cut their price objective on shares of Oportun Financial from $6.00 to $5.00 and set a "neutral" rating on the stock in a research report on Thursday, April 9th. BTIG Research reaffirmed a "buy" rating and issued a $9.00 price objective on shares of Oportun Financial in a research report on Friday, February 27th. Finally, Weiss Ratings reiterated a "sell (d+)" rating on shares of Oportun Financial in a research report on Friday, March 27th. Two analysts have rated the stock with a Buy rating, two have issued a Hold rating and one has given a Sell rating to the stock. According to MarketBeat.com, Oportun Financial presently has an average rating of "Hold" and an average target price of $8.00.

Oportun Financial Trading Down 1.0%

Shares of OPRT traded down $0.06 during mid-day trading on Thursday, hitting $5.75. The company's stock had a trading volume of 400,487 shares, compared to its average volume of 535,787. The company's 50-day moving average is $5.08 and its 200-day moving average is $5.19. Oportun Financial has a 52-week low of $4.03 and a 52-week high of $7.97. The firm has a market capitalization of $263.01 million, a price-to-earnings ratio of 10.85 and a beta of 1.30.

Oportun Financial (NASDAQ:OPRT - Get Free Report) last announced its earnings results on Thursday, May 7th. The company reported $0.21 earnings per share (EPS) for the quarter, meeting the consensus estimate of $0.21. Oportun Financial had a return on equity of 14.82% and a net margin of 2.64%.Oportun Financial has set its FY 2026 guidance at 1.500-1.650 EPS. As a group, sell-side analysts predict that Oportun Financial will post 1.2 earnings per share for the current fiscal year.

Insider Transactions at Oportun Financial

In other news, insider Patrick Kirscht sold 54,299 shares of the business's stock in a transaction dated Tuesday, March 10th. The shares were sold at an average price of $4.90, for a total transaction of $266,065.10. Following the completion of the sale, the insider owned 439,618 shares of the company's stock, valued at $2,154,128.20. The trade was a 10.99% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available at this link. Also, insider Kathleen I. Layton sold 19,355 shares of the stock in a transaction dated Tuesday, March 10th. The shares were sold at an average price of $4.90, for a total transaction of $94,839.50. Following the completion of the sale, the insider owned 225,872 shares of the company's stock, valued at $1,106,772.80. This trade represents a 7.89% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. 9.30% of the stock is owned by company insiders.

Institutional Trading of Oportun Financial

A number of hedge funds and other institutional investors have recently modified their holdings of the stock. Kemnay Advisory Services Inc. purchased a new stake in Oportun Financial during the fourth quarter worth about $28,000. Virtu Financial LLC acquired a new position in Oportun Financial during the 3rd quarter worth $64,000. PharVision Advisers LLC acquired a new stake in Oportun Financial in the 3rd quarter valued at about $77,000. nVerses Capital LLC purchased a new position in shares of Oportun Financial in the 4th quarter valued at about $80,000. Finally, The Manufacturers Life Insurance Company acquired a new position in shares of Oportun Financial during the second quarter worth about $85,000. 82.70% of the stock is owned by institutional investors and hedge funds.

About Oportun Financial

Oportun Financial Corporation NASDAQ: OPRT is a financial technology company that provides consumer lending products aimed at serving the underbanked and credit-invisible population in the United States. Headquartered in Redwood City, California, Oportun operates a digital platform that enables borrowers to access credit through unsecured personal installment loans, secured credit-builder loans and a proprietary mobile wallet. The company leverages machine learning and alternative data sources to assess creditworthiness, extending financial services to customers with limited or no traditional credit history.

The company's core offerings include fixed-term installment loans designed to help individuals cover unexpected expenses, consolidate debt or build credit.

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