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Oportun Financial (OPRT) Competitors

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$7.87 0.00 (0.00%)
Closing price 09/11/2026 04:00 PM Eastern
Extended Trading
$7.86 0.00 (-0.06%)
As of 09/11/2026 07:30 PM Eastern
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OPRT vs. ATLC, JCAP, QFIN, UPBD, and LU

Should you buy Oportun Financial stock or one of its competitors? Oportun Financial's main competitors and comparable companies include Atlanticus (ATLC), Jernigan Capital (JCAP), Qfin (QFIN), Upbound Group (UPBD), and Lufax (LU). 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 Atlanticus?

Atlanticus (NASDAQ:ATLC) 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 analyst recommendations, dividends, profitability, risk, earnings, valuation, institutional ownership and media sentiment.

Atlanticus has a net margin of 5.80% compared to Oportun Financial's net margin of 2.05%. Atlanticus' return on equity of 25.17% beat Oportun Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Atlanticus5.80% 25.17% 2.15%
Oportun Financial 2.05%13.41%1.66%

Atlanticus has higher revenue and earnings than Oportun Financial. Atlanticus 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
Atlanticus$1.97B0.73$122.20M$7.6912.28
Oportun Financial$956.70M0.38$25.25M$0.4019.68

Atlanticus has a beta of 2.02, suggesting that its stock price is 102% more volatile than the broader market. Comparatively, Oportun Financial has a beta of 1.24, suggesting that its stock price is 24% more volatile than the broader market.

14.2% of Atlanticus shares are held by institutional investors. Comparatively, 82.7% of Oportun Financial shares are held by institutional investors. 51.0% of Atlanticus shares are held by insiders. Comparatively, 1.6% of Oportun Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Atlanticus currently has a consensus target price of $129.00, indicating a potential upside of 36.57%. Oportun Financial has a consensus target price of $7.33, indicating a potential downside of 6.82%. Given Atlanticus' stronger consensus rating and higher possible upside, equities analysts clearly believe Atlanticus is more favorable than Oportun Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Atlanticus
0 Sell rating(s)
2 Hold rating(s)
6 Buy rating(s)
1 Strong Buy rating(s)
2.89
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20

In the previous week, Oportun Financial had 4 more articles in the media than Atlanticus. MarketBeat recorded 7 mentions for Oportun Financial and 3 mentions for Atlanticus. Atlanticus' average media sentiment score of 1.16 beat Oportun Financial's score of 0.77 indicating that Atlanticus is being referred to more favorably in the media.

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

Summary

Atlanticus beats Oportun Financial on 14 of the 17 factors compared between the two stocks.

How does Oportun Financial compare to Jernigan Capital?

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

Oportun Financial currently has a consensus target price of $7.33, indicating a potential downside of 6.82%. Jernigan Capital has a consensus target price of $27.50, indicating a potential upside of 28.62%. Given Jernigan Capital's stronger consensus rating and higher possible upside, analysts plainly believe Jernigan Capital 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
Jernigan Capital
1 Sell rating(s)
1 Hold rating(s)
4 Buy rating(s)
1 Strong Buy rating(s)
2.71

In the previous week, Oportun Financial had 4 more articles in the media than Jernigan Capital. MarketBeat recorded 7 mentions for Oportun Financial and 3 mentions for Jernigan Capital. Jernigan Capital's average media sentiment score of 1.08 beat Oportun Financial's score of 0.77 indicating that Jernigan Capital 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)
2 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive
Jernigan Capital
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
0 Negative mention(s)
0 Very Negative mention(s)
Positive

Jernigan Capital has lower revenue, but higher earnings 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
Oportun Financial$956.70M0.38$25.25M$0.4019.68
Jernigan Capital$613.29M2.00$187.96M$2.458.73

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
Oportun Financial2.05% 13.41% 1.66%
Jernigan Capital 23.50%35.87%8.16%

82.7% of Oportun Financial shares are held by institutional investors. 1.6% of Oportun Financial shares are held by insiders. Comparatively, 8.3% of Jernigan Capital shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers 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, Jernigan Capital has a beta of -0.14, indicating that its stock price is 114% less volatile than the broader market.

Summary

Jernigan Capital beats Oportun Financial on 12 of the 17 factors compared between the two stocks.

How does Oportun Financial compare to Qfin?

Qfin (NASDAQ:QFIN) 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 risk, dividends, profitability, earnings, analyst recommendations, institutional ownership, valuation and media sentiment.

Qfin has higher revenue and earnings than Oportun Financial. Qfin 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
Qfin$2.75B0.38$856.52M$4.162.04
Oportun Financial$956.70M0.38$25.25M$0.4019.68

Qfin presently has a consensus target price of $12.29, suggesting a potential upside of 45.08%. Oportun Financial has a consensus target price of $7.33, suggesting a potential downside of 6.82%. Given Qfin's higher probable upside, research analysts clearly believe Qfin is more favorable than Oportun Financial.

Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Qfin
4 Sell rating(s)
3 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.63
Oportun Financial
1 Sell rating(s)
2 Hold rating(s)
2 Buy rating(s)
0 Strong Buy rating(s)
2.20

In the previous week, Qfin and Qfin both had 7 articles in the media. Oportun Financial's average media sentiment score of 0.77 beat Qfin's score of 0.74 indicating that Oportun Financial is being referred to more favorably in the news media.

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

Qfin has a beta of 0.57, meaning that its stock price is 43% less 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.

74.8% of Qfin shares are owned by institutional investors. Comparatively, 82.7% of Oportun Financial shares are owned by institutional investors. 17.1% of Qfin shares are owned by insiders. Comparatively, 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.

Qfin has a net margin of 22.23% compared to Oportun Financial's net margin of 2.05%. Qfin's return on equity of 15.23% beat Oportun Financial's return on equity.

Company Net Margins Return on Equity Return on Assets
Qfin22.23% 15.23% 6.60%
Oportun Financial 2.05%13.41%1.66%

Summary

Qfin beats Oportun Financial on 8 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 stock? We will compare the two businesses based on the strength of their analyst recommendations, risk, earnings, institutional ownership, media sentiment, dividends, valuation and profitability.

Upbound Group presently has a consensus target price of $30.67, suggesting a potential upside of 67.49%. Oportun Financial has a consensus target price of $7.33, suggesting a potential downside of 6.82%. Given Upbound Group's higher probable 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

In the previous week, Oportun Financial had 3 more articles in the media than Upbound Group. MarketBeat recorded 7 mentions for Oportun Financial and 4 mentions for Upbound Group. Upbound Group's average media sentiment score of 0.89 beat Oportun Financial's score of 0.77 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
1 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Positive
Oportun Financial
3 Very Positive mention(s)
0 Positive mention(s)
2 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive

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 company is poised for long-term growth.

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$4.70B0.23$73.24M$1.5411.89
Oportun Financial$956.70M0.38$25.25M$0.4019.68

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%

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

Summary

Upbound Group beats Oportun Financial on 9 of the 14 factors compared between the two stocks.

How does Oportun Financial compare to Lufax?

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

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

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
Oportun Financial2.05% 13.41% 1.66%
Lufax N/A N/A N/A

Oportun Financial has higher earnings, but lower revenue 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
Oportun Financial$956.70M0.38$25.25M$0.4019.68
Lufax$3.77B0.28-$291.79M-$0.61N/A

Oportun Financial currently has a consensus price target of $7.33, indicating a potential downside of 6.82%. Lufax has a consensus price target of $1.70, indicating a potential upside of 38.78%. Given Lufax's higher probable upside, analysts clearly believe Lufax 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
Lufax
2 Sell rating(s)
1 Hold rating(s)
1 Buy rating(s)
0 Strong Buy rating(s)
1.75

82.7% of Oportun Financial shares are owned by institutional investors. Comparatively, 69.1% of Lufax shares are owned by institutional investors. 1.6% of Oportun Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

In the previous week, Oportun Financial had 5 more articles in the media than Lufax. MarketBeat recorded 7 mentions for Oportun Financial and 2 mentions for Lufax. Oportun Financial's average media sentiment score of 0.77 beat Lufax's score of -0.46 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)
2 Neutral mention(s)
0 Negative mention(s)
1 Very Negative mention(s)
Positive
Lufax
0 Very Positive mention(s)
0 Positive mention(s)
1 Neutral mention(s)
1 Negative mention(s)
0 Very Negative mention(s)
Neutral

Summary

Oportun Financial beats Lufax on 14 of the 16 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$7.22B$13.80B$12.85B
Dividend YieldN/A12.63%5.95%11.71%
P/E Ratio19.689.0025.6825.33
Price / Sales0.3868.50510.2190.72
Price / Cash3.6211.5730.3034.96
Price / Book0.892.592.746.21
Net Income$25.25M$442.63M$1.32B$358.54M
7 Day PerformanceN/A-1.84%-1.17%-2.35%
1 Month Performance3.01%-2.95%-0.23%-3.23%
1 Year Performance18.35%7.74%8.39%8.79%

Oportun Financial Competitors List

CompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)
OPRT
Oportun Financial
2.2522 of 5 stars
$7.87
flat
$7.33
-6.8%
+18.3%$361.94M$956.70M19.682,488
ATLC
Atlanticus
4.4756 of 5 stars
$93.81
+0.7%
$129.00
+37.5%
+30.9%$1.42B$1.97B12.20330
JCAP
Jernigan Capital
4.9477 of 5 stars
$21.67
+1.5%
$27.50
+26.9%
+16.3%$1.24B$613.29M8.841,120
QFIN
Qfin
4.9179 of 5 stars
$8.84
-2.4%
$12.29
+39.0%
-70.1%$1.08B$2.75B2.133,557
UPBD
Upbound Group
4.4531 of 5 stars
$18.45
-2.8%
$30.67
+66.2%
-26.8%$1.08B$4.70B11.9812,050

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This page (NASDAQ:OPRT) was last updated on 9/14/2026 by MarketBeat.com Staff.
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