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Oportun Financial (OPRT) Competitors

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$7.87 +0.46 (+6.21%)
As of 09/4/2026 04:00 PM Eastern

OPRT vs. JCAP, LU, UPBD, FINV, and WRLD

Should you buy Oportun Financial stock or one of its competitors? Oportun Financial's main competitors and comparable companies include Jernigan Capital (JCAP), Lufax (LU), Upbound Group (UPBD), PPDAI Group (FINV), and World Acceptance (WRLD). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "consumer finance" industry.

How does Oportun Financial compare to Jernigan Capital?

Jernigan Capital (NASDAQ:JCAP) and Oportun Financial (NASDAQ:OPRT) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their media sentiment, analyst recommendations, earnings, risk, valuation, profitability, institutional ownership and dividends.

82.7% of Oportun Financial shares are owned by institutional investors. 8.3% of Jernigan Capital shares are owned by insiders. Comparatively, 1.6% of Oportun Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Jernigan Capital has higher earnings, but lower revenue than Oportun Financial. Jernigan Capital is trading at a lower price-to-earnings ratio than Oportun Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Jernigan Capital$659.62M1.86$187.96M$2.458.71
Oportun Financial$956.70M0.38$25.25M$0.4019.68

Jernigan Capital has a net margin of 23.50% compared to Oportun Financial's net margin of 2.05%. Jernigan Capital's return on equity of 35.87% beat Oportun Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Jernigan Capital23.50% 35.87% 8.16%
Oportun Financial 2.05%13.41%1.66%

In the previous week, Oportun Financial had 4 more articles in the media than Jernigan Capital. MarketBeat recorded 4 mentions for Oportun Financial and 0 mentions for Jernigan Capital. Oportun Financial's average media sentiment score of 1.19 beat Jernigan Capital's score of -0.17 indicating that Oportun Financial is being referred to more favorably in the news media.

Company Overall Sentiment
Jernigan Capital Neutral
Oportun Financial Positive

Jernigan Capital presently has a consensus price target of $27.50, indicating a potential upside of 28.81%. Oportun Financial has a consensus price target of $7.33, indicating a potential downside of 6.82%. Given Jernigan Capital's stronger consensus rating and higher possible upside, research analysts clearly believe Jernigan Capital is more favorable than Oportun Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Jernigan Capital
1 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.71
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20

Jernigan Capital has a beta of -0.14, indicating that its share price is 114% less volatile than the broader market. Comparatively, Oportun Financial has a beta of 1.24, indicating that its share price is 24% more volatile than the broader market.

Summary

Jernigan Capital beats Oportun Financial on 11 of the 17 factors compared between the two stocks.

How does Oportun Financial compare to Lufax?

Lufax (NYSE:LU) and Oportun Financial (NASDAQ:OPRT) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their media sentiment, analyst recommendations, earnings, risk, profitability, institutional ownership, dividends and valuation.

Oportun Financial has a net margin of 2.05% compared to Lufax's net margin of 0.00%. Oportun Financial's return on equity of 13.41% beat Lufax's return on equity.

Company Net Margins Return on Equity Return on Assets
LufaxN/A N/A N/A
Oportun Financial 2.05%13.41%1.66%

In the previous week, Lufax and Lufax both had 4 articles in the media. Oportun Financial's average media sentiment score of 1.19 beat Lufax's score of 0.01 indicating that Oportun Financial is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Lufax
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
1 Very Negative mention(s)
Neutral
Oportun Financial
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Oportun Financial has lower revenue, but higher earnings than Lufax. Lufax is trading at a lower price-to-earnings ratio than Oportun Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Lufax$3.77B0.28-$291.79M-$0.61N/A
Oportun Financial$956.70M0.38$25.25M$0.4019.68

Lufax presently has a consensus price target of $1.70, indicating a potential upside of 37.10%. Oportun Financial has a consensus price target of $7.33, indicating a potential downside of 6.82%. Given Lufax's higher probable upside, equities analysts plainly believe Lufax is more favorable than Oportun Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Lufax
2 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.75
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20

Lufax has a beta of 0.76, indicating that its stock price is 24% less volatile than the broader market. Comparatively, Oportun Financial has a beta of 1.24, indicating that its stock price is 24% more volatile than the broader market.

69.1% of Lufax shares are owned by institutional investors. Comparatively, 82.7% of Oportun Financial shares are owned by institutional investors. 1.6% of Oportun Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Summary

Oportun Financial beats Lufax on 13 of the 15 factors compared between the two stocks.

How does Oportun Financial compare to Upbound Group?

Upbound Group (NASDAQ:UPBD) and Oportun Financial (NASDAQ:OPRT) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, earnings, dividends, risk, valuation, analyst recommendations, institutional ownership and media sentiment.

90.3% of Upbound Group shares are held by institutional investors. Comparatively, 82.7% of Oportun Financial shares are held by institutional investors. 1.2% of Upbound Group shares are held by company insiders. Comparatively, 1.6% of Oportun Financial shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Oportun Financial has a net margin of 2.05% compared to Upbound Group's net margin of 1.90%. Upbound Group's return on equity of 34.53% beat Oportun Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Upbound Group1.90% 34.53% 7.69%
Oportun Financial 2.05%13.41%1.66%

In the previous week, Upbound Group had 1 more articles in the media than Oportun Financial. MarketBeat recorded 5 mentions for Upbound Group and 4 mentions for Oportun Financial. Upbound Group's average media sentiment score of 1.70 beat Oportun Financial's score of 1.19 indicating that Upbound Group is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Upbound Group
5 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive
Oportun Financial
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Upbound Group has higher revenue and earnings than Oportun Financial. Upbound Group is trading at a lower price-to-earnings ratio than Oportun Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Upbound Group$4.74B0.23$73.24M$1.5412.32
Oportun Financial$956.70M0.38$25.25M$0.4019.68

Upbound Group presently has a consensus target price of $30.67, suggesting a potential upside of 61.57%. Oportun Financial has a consensus target price of $7.33, suggesting a potential downside of 6.82%. Given Upbound Group's higher possible upside, analysts plainly believe Upbound Group is more favorable than Oportun Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Upbound Group
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20

Upbound Group has a beta of 1.77, meaning that its stock price is 77% more volatile than the broader market. Comparatively, Oportun Financial has a beta of 1.24, meaning that its stock price is 24% more volatile than the broader market.

Summary

Upbound Group beats Oportun Financial on 10 of the 14 factors compared between the two stocks.

How does Oportun Financial compare to PPDAI Group?

Oportun Financial (NASDAQ:OPRT) and PPDAI Group (NYSE:FINV) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, analyst recommendations, dividends, institutional ownership, earnings, media sentiment, valuation and profitability.

In the previous week, Oportun Financial and Oportun Financial both had 4 articles in the media. Oportun Financial's average media sentiment score of 1.19 beat PPDAI Group's score of -0.21 indicating that Oportun Financial is being referred to more favorably in the media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Oportun Financial
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
PPDAI Group
0 Very Positive mention(s)
0 Positive mention(s)
3 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Neutral

82.7% of Oportun Financial shares are held by institutional investors. Comparatively, 31.2% of PPDAI Group shares are held by institutional investors. 1.6% of Oportun Financial shares are held by insiders. Comparatively, 44.0% of PPDAI Group shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

PPDAI Group has higher revenue and earnings than Oportun Financial. PPDAI Group is trading at a lower price-to-earnings ratio than Oportun Financial, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Oportun Financial$956.70M0.38$25.25M$0.4019.68
PPDAI Group$1.94B0.42$363.56M$1.063.19

Oportun Financial has a beta of 1.24, indicating that its share price is 24% more volatile than the broader market. Comparatively, PPDAI Group has a beta of 0.34, indicating that its share price is 66% less volatile than the broader market.

PPDAI Group has a net margin of 14.49% compared to Oportun Financial's net margin of 2.05%. Oportun Financial's return on equity of 13.41% beat PPDAI Group's return on equity.

Company Net Margins Return on Equity Return on Assets
Oportun Financial2.05% 13.41% 1.66%
PPDAI Group 14.49%12.31%7.95%

Oportun Financial presently has a consensus target price of $7.33, indicating a potential downside of 6.82%. PPDAI Group has a consensus target price of $4.10, indicating a potential upside of 21.30%. Given PPDAI Group's higher probable upside, analysts clearly believe PPDAI Group is more favorable than Oportun Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20
PPDAI Group
1 Sell rating(s)
1 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
1.50

Summary

PPDAI Group beats Oportun Financial on 8 of the 15 factors compared between the two stocks.

How does Oportun Financial compare to World Acceptance?

Oportun Financial (NASDAQ:OPRT) and World Acceptance (NASDAQ:WRLD) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their media sentiment, analyst recommendations, earnings, dividends, profitability, institutional ownership, risk and valuation.

World Acceptance has a net margin of 6.71% compared to Oportun Financial's net margin of 2.05%. Oportun Financial's return on equity of 13.41% beat World Acceptance's return on equity.

Company Net Margins Return on Equity Return on Assets
Oportun Financial2.05% 13.41% 1.66%
World Acceptance 6.71%12.13%4.00%

In the previous week, Oportun Financial and Oportun Financial both had 4 articles in the media. World Acceptance's average media sentiment score of 1.78 beat Oportun Financial's score of 1.19 indicating that World Acceptance is being referred to more favorably in the news media.

Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment
Oportun Financial
3 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive
World Acceptance
4 Very Positive mention(s)
0 Positive mention(s)
0 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Very Positive

82.7% of Oportun Financial shares are held by institutional investors. Comparatively, 83.6% of World Acceptance shares are held by institutional investors. 1.6% of Oportun Financial shares are held by company insiders. Comparatively, 38.0% of World Acceptance shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Oportun Financial has a beta of 1.24, indicating that its stock price is 24% more volatile than the broader market. Comparatively, World Acceptance has a beta of 1.14, indicating that its stock price is 14% more volatile than the broader market.

Oportun Financial presently has a consensus price target of $7.33, indicating a potential downside of 6.82%. Given Oportun Financial's stronger consensus rating and higher possible upside, analysts plainly believe Oportun Financial is more favorable than World Acceptance.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20
World Acceptance
0 Sell rating(s)
2 Hold rating(s)
0 Buy rating(s)
0 Strong Buy rating(s)
2.00

World Acceptance has lower revenue, but higher earnings than Oportun Financial. Oportun Financial is trading at a lower price-to-earnings ratio than World Acceptance, indicating that it is currently the more affordable of the two stocks.

CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings Ratio
Oportun Financial$956.70M0.38$25.25M$0.4019.68
World Acceptance$585.74M1.52$34.59M$8.4622.52

Summary

World Acceptance beats Oportun Financial on 9 of the 15 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding OPRT and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
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Media Sentiment Over Time

This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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OPRT vs. The Competition

MetricOportun FinancialConsumer Finance IndustryFinance SectorNASDAQ Exchange
Market Cap$361.92M$7.43B$14.00B$12.91B
Dividend YieldN/A12.63%5.89%9.14%
P/E Ratio19.689.3126.1825.45
Price / Sales0.3870.28509.61105.93
Price / Cash3.6211.7439.9652.44
Price / Book0.892.752.136.17
Net Income$25.25M$442.63M$1.32B$350.08M
7 Day Performance6.93%-0.47%3.84%-0.14%
1 Month Performance-2.24%-2.00%1.69%0.94%
1 Year Performance19.79%5.66%11.19%14.02%

Oportun Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPRT
Oportun Financial
3.5448 of 5 stars
$7.87
+6.2%
$7.33
-6.8%
+19.8%$361.92M$956.70M19.682,488
JCAP
Jernigan Capital
4.8573 of 5 stars
$21.86
-1.1%
$27.50
+25.8%
+14.5%$1.26B$613.29M8.921,120
LU
Lufax
3.6351 of 5 stars
$1.35
-0.4%
$2.00
+48.7%
-58.9%$1.17B$3.77BN/A33,163
UPBD
Upbound Group
4.7603 of 5 stars
$19.36
+1.0%
$30.67
+58.4%
-25.3%$1.13B$4.74B12.5712,050
FINV
PPDAI Group
2.6465 of 5 stars
$4.37
+0.6%
N/A-57.4%$1.06B$1.94B3.673,869

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This page (NASDAQ:OPRT) was last updated on 9/6/2026 by MarketBeat.com Staff.
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