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Oportun Financial Corp

OPRT

4.690USD

-0.520-9.98%

Close 11/06, 16:00（ET）Quotes delayed by 15 min

206.40MMarket Cap

6.75P/E TTM



Oportun Financial Corp

4.690

-0.520-9.98%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Company

Financials

Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score of Oportun Financial Corp

Currency: USD Updated: 2025-11-06

Key Insights

The company's fundamentals are relatively stable. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Buy. Despite a weak stock market performance, the company shows strong fundamentals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Oportun Financial Corp's Score

Industry at a Glance

Industry Ranking

119 / 407

Overall Ranking

193 / 4615

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 7 analysts

Buy

Current Rating

8.786

Target Price

+68.63%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Oportun Financial Corp Highlights

StrengthsRisks

Oportun Financial Corporation is a financial services company. The Company offers access to a comprehensive suite of financial products, offered either directly or through partners, including lending and savings powered by artificial intelligence. Its financial products allow it to meet its members where they are and assist them with their overall financial health. The Company’s three core products include unsecured personal loans, secured personal loans, and its Set & Save savings product. Its secured personal loans allow its members to access larger loan sizes than they can with an unsecured loan. Its consumers are able to become members and access its products through the Oportun Mobile App and the Oportun.com Website, which are its primary channels for onboarding and serving members. The Company’s personal loan products are also available over the phone or through its retail locations, and its lending as a service partner location.

Overvalued

The company’s latest PB is 0.54, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 36.28M shares, decreasing 1.84% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 1.62M shares of this stock.

Financial Health

Currency: USD Updated: 2025-11-06

The company's current financial score is 7.70, which is higher than the Banking Services industry's average of 7.05. Its financial status is weak, and its operating efficiency is high. Its latest quarterly revenue reached 238.70M, representing a year-over-year decrease of 4.50%, while its net profit experienced a year-over-year decrease of 117.36%.

Score

Industry at a Glance

Previous score

7.70

Change



Financials

5.51

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

9.13

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

6.65

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

7.19

Key Metrics

Free cash flow

No Data

Oportun Financial Corp's Company Valuation

Currency: USD Updated: 2025-11-06

The company’s current valuation score is 7.02, which is lower than the Banking Services industry's average of 7.67. Its current P/E ratio is 6.55, which is 11.09% below the recent high of 7.27 and 1016.62% above the recent low of -60.00.

Score

Industry at a Glance

Previous score

7.02

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 119/407

No Data

Earnings Forecast

Currency: USD Updated: 2025-11-06

The company’s current earnings forecast score is 7.71, which is higher than the Banking Services industry's average of 7.41. The average price target for Oportun Financial Corp is 9.50, with a high of 11.00 and a low of 6.00.

Score

Industry at a Glance

Previous score

7.71

Change

Support & Resistance

No Data

Analyst Rating

Based on 7 analysts

Buy

Current Rating

8.786

Target Price

+68.63%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Oportun Financial Corp

OPRT

American Express Co

AXP

Capital One Financial Corp

COF

Synchrony Financial

SYF

SoFi Technologies Inc

SOFI

Ally Financial Inc

ALLY

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated: 2025-11-06

The company’s current price momentum score is 5.88, which is lower than the Banking Services industry's average of 7.43. Sideways: Currently, the stock price is trading between the resistance level at 5.46 and the support level at 4.29, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

5.93

Change

-0.05

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(5)

Neutral(1)

Buy(0)

Indicators

Value

Direction

MACD(12,26,9)

-0.052

Sell

RSI(14)

31.305

Neutral

STOCH(KDJ)(9,3,3)

13.116

Sell

ATR(14)

0.316

Low Volatility

CCI(14)

-186.569

Sell

Williams %R

98.291

Oversold

TRIX(12,20)

-0.515

Sell

StochRSI(14)

0.000

Sell

Moving Average

Sell(6)

Neutral(0)

Buy(0)

Indicators

Value

Direction

MA5

5.144

Sell

MA10

5.306

Sell

MA20

5.343

Sell

MA50

5.971

Sell

MA100

6.221

Sell

MA200

6.056

Sell

Institutional Confidence

Currency: USD Updated: 2025-11-06

The company’s current institutional recognition score is 7.00, which is higher than the Banking Services industry's average of 5.27. The latest institutional shareholding proportion is 82.45%, representing a quarter-over-quarter decrease of 0.56%. The largest institutional shareholder is The Vanguard, holding a total of 1.62M shares, representing 3.67% of shares outstanding, with 3.19% increase in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

Neuberger Berman, LLC

3.94M

Findell Capital Management LLC

3.01M

+5.99%

Castlelake, L.P.

2.43M

BlackRock Institutional Trust Company, N.A.

2.01M

+303.82%

Portolan Capital Management, L.L.C.

1.62M

+97.89%

The Vanguard Group, Inc.

Star Investors

1.62M

+14.72%

Cannell Capital, LLC

1.60M

+7066.97%

Long Focus Capital Management LLC

1.52M

Millennium Management LLC

1.33M

-31.17%

Risk Assessment

Currency: USD Updated: 2025-11-06

The company’s current risk assessment score is 4.74, which is lower than the Banking Services industry's average of 6.61. The company's beta value is 1.24. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.