Oportun Financial (OPRT) Stock Price, News & Analysis

Company Overview

Oportun Financial Corporation is a financial technology company that provides responsible, affordable credit and other financial services to consumers in the United States. The company focuses primarily on serving Hispanic and Latino communities, as well as other consumers who may have limited or no traditional credit histories.

Oportun’s offerings have included unsecured personal loans, credit cards and related financial products designed to help customers manage expenses, consolidate debt and establish or build credit. The company uses digital tools and data-driven underwriting, complemented by customer support and distribution through retail and community-based channels.

Founded in 2005, Oportun has expanded its services beyond personal lending as it works to provide a broader range of financial products through its digital platform. The company is headquartered in San Carlos, California, and serves customers across the United States. Raul Vazquez has been a prominent leader of the company, having served as its chief executive officer for many years.

Key Stats

• Today's Range: $8.72 to $9.07
• 50-Day Range: $5.80 to $8.92
• 52-Week Range: $4.03 to $9.07
• Volume: 968,882 shs
• Average Volume: 745,682 shs
• Market Capitalization: $410.23 million
• P/E Ratio: 22.30
• Dividend Yield: N/A
• Price Target: $7.75
• Consensus Rating: Hold

Oportun Financial Stock Analysis - MarketRank™

Oportun Financial scored higher than 58% of companies evaluated by MarketBeat, and ranked 557th out of 851 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: 1.8 / 5
• Analyst Rating: Hold

Consensus Rating

Oportun Financial has received a consensus rating of Hold. The company's average rating score is 2.40, and is based on no strong buy ratings, 2 buy ratings, 3 hold ratings, and no sell ratings.

Downside Risk

Oportun Financial has a consensus price target of $7.75, representing about 13.1% downside from its current price of $8.92.

Amount of Analyst Coverage

Oportun Financial has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 25.00%

Earnings Growth

Earnings for Oportun Financial are expected to grow by 25.00% in the coming year, from $1.28 to $1.60 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Oportun Financial is 22.30, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.80.

Price to Earnings Ratio vs. Sector

The P/E ratio of Oportun Financial is 22.30, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.73.

Price to Book Value per Share Ratio

Oportun Financial has a P/B Ratio of 1.01. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

3.95% 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 2.18, 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 49.64%, 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.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

Oportun Financial has a news sentiment score of 1.28. 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 is a higher news sentiment than the 0.63 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Oportun Financial this week, compared to 2 articles on an average week.

Search Interest

Only 2 people have searched for OPRT on MarketBeat in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

MarketBeat Follows

1 people have added Oportun Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Oportun Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $55,240.00 in company stock.

Percentage Held by Insiders

1.60% 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.

Company Calendar

• Last Earnings: 8/05/2026
• Today: 10/11/2026
• Next Earnings (Estimated): 11/03/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Consumer Finance
• Sub-Industry: Consumer Finance
• Current Symbol: NASDAQ:OPRT
• CIK: 1538716
• Web: www.oportun.com
• Phone: 650-810-8823
• Fax: N/A
• Employees: 2,488
• Year Founded: 2006

Price Target and Rating

• Average Price Target for Oportun Financial: $7.75
• High Price Target: $9.00
• Low Price Target: $5.00
• Potential Upside/Downside: -13.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.40
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.40
• Trailing P/E Ratio: 22.30
• Forward P/E Ratio: 6.97
• P/E Growth: N/A
• Net Income: $25.25 million
• Net Margins: 2.05%
• Pretax Margin: 4.22%
• Return on Equity: 13.41%
• Return on Assets: 1.66%

Debt

• Debt-to-Equity Ratio: 6.22
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $956.70 million
• Price / Sales: 0.43
• Cash Flow: $2.17 per share
• Price / Cash Flow: 4.11
• Book Value: $8.84 per share
• Price / Book: 1.01

Miscellaneous

• Outstanding Shares: 45,990,000
• Free Float: 45,251,000
• Market Cap: $410.23 million
• Optionable: Optionable
• Beta: 1.25