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Oportun Financial Corp

OPRT

5.620USD

+0.270+5.05%

Close 02/06, 16:00（ET）Quotes delayed by 15 min

247.80MMarket Cap

7.68P/E TTM



Oportun Financial Corp

5.620

+0.270+5.05%

Overview Financials Analysis Company

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

Overview

Financials

Analysis

Company

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: 2026-02-06

Key Insights

Oportun Financial Corp's fundamentals are relatively healthy, with an industry-leading ESG disclosure.and its growth potential is high.Its valuation is considered fairly valued, ranking 120 out of 397 in the Banking Services industry.Institutional ownership is very high.Over the past month, multiple analysts have rated it as Buy, with the highest price target at 8.43.In the medium term, the stock price is expected to trend up.The company has been performing well in the stock market over the past month, which is supported by its strong fundamentals and technicals.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

120 / 397

Overall Ranking

183 / 4521

Industry

Banking Services

Support & Resistance

Relevant data have not been disclosed by the company yet.

Score Analysis

Current score

Previous score

Media Coverage

Last 24 hours

Coverage Level

Very Low

Very High

Negative

Oportun Financial Corp Highlights

StrengthsRisks

Oportun Financial Corporation is a financial services company. The Company offers access to a suite of financial products, offered either directly or through partners, including lending and savings powered by artificial intelligence. The Company's credit products include unsecured and secured personal loans. Its unsecured personal loan is a fully amortizing installment loan with fixed payments throughout the life of the loan. Its secured personal loan is a personal installment loan product secured by an automobile. It also offers automated savings, through its Set & Save platform. Its Set & Save product is designed to understand a member’s cash flows and save the right amount on a regular basis. It reaches incremental members through its Lending as a Service lead generation program. It allows consumers to become members and access its products through the Oportun Mobile App and the Oportun.com Website, which serve as its primary platforms for onboarding and providing member services.

Overvalued

The company’s latest PB is 0.65, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 38.17M shares, decreasing 10.49% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 2.21M shares of this stock.

Analyst Rating

Based on 7 analysts

Buy

Current Rating

8.429

Target Price

+57.54%

Upside Space

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

Financial Health

Currency: USD Updated: 2026-02-06

The current financial score of Oportun Financial Corp is 7.18, ranking 224 out of 397 in the Banking Services industry. Its financial status is stable, and its operating efficiency is low. Its latest quarterly revenue reached 238.69M, representing a year-over-year decrease of 4.51%, while its net profit experienced a year-over-year decrease of 117.35%.

Score

Industry at a Glance

Previous score

7.18

Change



Financials

7.95

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

Relevant data have not been disclosed by the company yet.



Quality of Earnings

10.00

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

Relevant data have not been disclosed by the company yet.



Operational Efficiency

5.48

Key Metrics

Cash flow from operating activities

Income after tax

Relevant data have not been disclosed by the company yet.



Growth Potential

6.15

Key Metrics

Cash flow from operating activities

Total revenue

Relevant data have not been disclosed by the company yet.



Shareholder Returns

6.33

Key Metrics

Free cash flow

Relevant data have not been disclosed by the company yet.

Oportun Financial Corp's Company Valuation

Currency: USD Updated: 2026-02-06

The current valuation score of Oportun Financial Corp is 7.02, ranking 297 out of 397 in the Banking Services industry. Its current P/E ratio is 7.68, which is 7.65% below the recent high of 8.26 and 881.56% 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 120/397

Relevant data have not been disclosed by the company yet.

Earnings Forecast

Currency: USD Updated: 2026-02-06

The current earnings forecast score of Oportun Financial Corp is 8.00, ranking 63 out of 397 in the Banking Services industry. The average price target is 9.50, with a high of 11.00 and a low of 5.50.

Score

Industry at a Glance

Previous score

8.00

Change

Support & Resistance

Relevant data have not been disclosed by the company yet.

Analyst Rating

Based on 7 analysts

Buy

Current Rating

8.429

Target Price

+57.54%

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

SoFi Technologies Inc

SOFI

Synchrony Financial

SYF

Ally Financial Inc

ALLY

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

Relevant data have not been disclosed by the company yet.

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: 2026-02-06

The current price momentum score of Oportun Financial Corp is 7.25, ranking 317 out of 397 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 6.36 and the support level at 4.81, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

6.98

Change

0.27

Support & Resistance

Relevant data have not been disclosed by the company yet.

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(1)

Neutral(2)

Buy(4)

Indicators

Value

Direction

MACD(12,26,9)

0.013

Buy

RSI(14)

54.858

Neutral

STOCH(KDJ)(9,3,3)

44.984

Buy

ATR(14)

0.400

High Vlolatility

CCI(14)

40.812

Neutral

Williams %R

43.226

Buy

TRIX(12,20)

0.201

Sell

StochRSI(14)

82.254

Buy

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

5.492

Buy

MA10

5.518

Buy

MA20

5.371

Buy

MA50

5.355

Buy

MA100

5.441

Buy

MA200

5.930

Sell

Institutional Confidence

Currency: USD Updated: 2026-02-06

The current institutional shareholding score of Oportun Financial Corp is 7.00, ranking 57 out of 397 in the Banking Services industry. The latest institutional shareholding proportion is 86.51%, representing a quarter-over-quarter increase of 3.26%. The largest institutional shareholder is The Vanguard, holding a total of 2.21M shares, representing 5.01% of shares outstanding, with 55.87% increase in holdings.

Score

Industry at a Glance

Previous score

7.00

Change

Institutional Shareholding

Relevant data have not been disclosed by the company yet.

Shareholder Activity

Name

Shares Held

Chg %

Neuberger Berman, LLC

3.94M

Findell Capital Management LLC

2.57M

-14.57%

Castlelake, L.P.

2.43M

BlackRock Institutional Trust Company, N.A.

2.41M

+19.70%

Forager Capital Management, LLC

2.24M

+14.57%

The Vanguard Group, Inc.

Star Investors

2.11M

+30.36%

Long Focus Capital Management LLC

1.52M

Cannell Capital, LLC

1.47M

-8.14%

Millennium Management LLC

1.23M

-7.56%

Vazquez (Raul)

1.22M

Risk Assessment

Currency: USD Updated: 2026-02-06

The U.S. Dollar Index is currently in a neutral state, which has a neutral effect on the Banking Services domestic-focused industry. The Dollar Index (DXY) measures the value of the U.S. dollar against a basket of major currencies, including the euro, yen, pound sterling, Canadian dollar, Swedish krona, and Swiss franc. The current risk assessment score of Oportun Financial Corp is 4.89, ranking 292 out of 397 in the Banking Services industry. The company's beta value is 1.18. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets. with an industry-leading ESG disclosure.