Indicators
Indicators
Value
Direction
MACD(12,26,9)
0.021
Buy
RSI(14)
56.450
Neutral
STOCH(KDJ)(9,3,3)
34.299
Neutral
ATR(14)
0.216
High Vlolatility
CCI(14)
14.056
Neutral
Williams %R
51.064
Neutral
TRIX(12,20)
0.457
Sell
StochRSI(14)
36.940
Buy
Oportun Financial Corp
OPRT5.460USD
+0.040+0.74%
Close 12/22, 16:00（ET）Quotes delayed by 15 min
240.74MMarket Cap
7.46P/E TTM
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: 2025-12-22Key Insights
Oportun Financial Corp's fundamentals are relatively very healthy, and its growth potential is high.Its valuation is considered fairly valued, ranking 96/404 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 8.71.In the medium term, the stock price is expected to trend down.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
Support & Resistance
Relevant data have not been disclosed by the company yet.
Score Analysis
Current score
Previous score
Analyst Rating
Based on
7
analysts
Buy
Current Rating
8.714
Target Price
+60.78%
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 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 0.63, at a high 3-year percentile range.
Institutional Selling
The latest institutional holdings are 36.97M shares, decreasing 2.04% quarter-over-quarter.
Held by The Vanguard
Star Investor The Vanguard holds 2.11M shares of this stock.
Financial Health
Currency: USD Updated: 2025-12-22The current financial score of Oportun Financial Corp is 7.20, ranking 227/404 in the Banking Services industry. Its financial status is robust, 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
Financials
8.02
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
Operational Efficiency
5.49
Growth Potential
6.20
Shareholder Returns
6.31
Oportun Financial Corp's Company Valuation
Currency: USD Updated: 2025-12-22The current valuation score of Oportun Financial Corp is 7.02, ranking 300/404 in the Banking Services industry. Its current P/E ratio is 7.46, which is 4.21% below the recent high of 7.77 and 904.47% above the recent low of -60.00.
Score
Valuation Dimensions
P/E
P/B
P/S
P/CF
Industry Ranking 96/404
Relevant data have not been disclosed by the company yet.
Earnings Forecast
Currency: USD Updated: 2025-12-22The current earnings forecast score of Oportun Financial Corp is 7.71, ranking 136/404 in the Banking Services industry. The average price target for Oportun Financial Corp is 9.50, with a high of 11.00 and a low of 5.50.
Score
Support & Resistance
Relevant data have not been disclosed by the company yet.
Analyst Rating
Based on
7
analysts
Buy
Current Rating
8.714
Target Price
+60.78%
Upside Space
Strong Buy
Buy
Hold
Sell
Strong Sell
Peer Comparison
37
Total
6
Median
8
Average
Company name
Ratings
Analysts
Oportun Financial Corp
OPRT
7
American Express Co
AXP
32
Capital One Financial Corp
COF
24
Synchrony Financial
SYF
23
SoFi Technologies Inc
SOFI
23
Ally Financial Inc
ALLY
20
1
2
3
...
8
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: 2025-12-22The current price momentum score of Oportun Financial Corp is 8.95, ranking 159/404 in the Banking Services industry. Currently, the stock price is trading between the resistance level at 5.98 and the support level at 4.77, making it suitable for range-bound swing trading.
Score
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.
Moving Average
Indicators
Value
Direction
MA5
5.466
Sell
MA10
5.525
Sell
MA20
5.341
Buy
MA50
5.210
Buy
MA100
5.728
Sell
MA200
5.912
Sell
Institutional Confidence
Currency: USD Updated: 2025-12-22The current institutional shareholding score of Oportun Financial Corp is 7.00, ranking 58/404 in the Banking Services industry. The latest institutional shareholding proportion is 83.78%, representing a quarter-over-quarter increase of 1.04%. The largest institutional shareholder is The Vanguard, holding a total of 2.11M shares, representing 4.77% of shares outstanding, with 48.67% increase in holdings.
Score
Institutional Shareholding
Relevant data have not been disclosed by the company yet.
Shareholder Activity
Name
Shares Held
Chg %
Neuberger Berman, LLC
Findell Capital Management LLC
Castlelake, L.P.
BlackRock Institutional Trust Company, N.A.
Long Focus Capital Management LLC
Cannell Capital, LLC
Millennium Management LLC
Vazquez (Raul)
1
2
Risk Assessment
Currency: USD Updated: 2025-12-22The current risk assessment score of Oportun Financial Corp is 4.58, ranking 306/404 in the Banking Services industry. The company's beta value is 1.20. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.
Score
Beta vs S&P 500 index
1.20
VaR
+6.28%
240-Day Maximum Drawdown
+52.76%
240-Day Volatility
+76.59%
Return
Best Daily Return
60 days
+4.42%
120 days
+8.62%
5 years
+40.00%
Worst Daily Return
60 days
-9.98%
120 days
-9.98%
5 years
-48.97%
Sharpe Ratio
60 days
-1.33
120 days
-0.67
5 years
+0.03
Risk Assessment
Maximum Drawdown
240 days
+52.76%
3 years
+72.19%
5 years
+92.32%
Return-to-Drawdown Ratio
240 days
+0.84
3 years
-0.13
5 years
-0.16
Skewness
240 days
+0.42
3 years
-0.02
5 years
+0.07
Volatility
Realised Volatility
240 days
+76.59%
5 years
+78.05%
Standardised True Range
240 days
+7.00%
5 years
+9.04%
Downside Risk-Adjusted Return
120 days
-97.46%
240 days
-97.46%
Maximum Daily Upside Volatility
60 days
+31.54%
Maximum Daily Downside Volatility
60 days
+32.49%
Liquidity
Average Turnover Rate
60 days
+1.70%
120 days
+1.45%
5 years
--
Turnover Deviation
20 days
+63.81%
60 days
+73.95%
120 days
+48.28%
Peer Comparison
Banking Services
Oportun Financial Corp
OPRT
7.34 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
East West Bancorp Inc
EWBC
8.89 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
AerCap Holdings NV
AER
8.87 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Credicorp Ltd
BAP
8.86 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Citizens Financial Group Inc
CFG
8.82 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
Wintrust Financial Corp
WTFC
8.71 /10
Score
Financial Health
Valuation Dimensions
Earnings Forecast
Price Momentum
Institutional Confidence
Risk Assessment
View more
FAQs
How does TradingKey generate the Stock Score of Oportun Financial Corp?
The TradingKey Stock Score provides a comprehensive assessment of Oportun Financial Corp based on 34 indicators derived from over 100 underlying data points. These indicators are categorised into six key dimensions: financial health, company profile, earnings forecasts, price momentum, institutional confidence, and risk assessment, collectively providing investors with a thorough analysis of Oportun Financial Corp’s performance and outlook.
How do we generate the financial health score of Oportun Financial Corp?
To generate the financial health score of Oportun Financial Corp, we analyse various key financial indicators across several core dimensions, including financial fundamentals, earnings quality, operational efficiency, growth potential, and shareholder returns. By integrating these comprehensive data, the financial health score not only reflects Oportun Financial Corp's overall stability, operational efficiency, and growth potential but also captures the investment returns delivered to shareholders. This score aims to support rational decision-making for investors and other stakeholders. A higher score indicates a better financial health of Oportun Financial Corp.
How do we generate the company valuation score of Oportun Financial Corp?
To generate the company valuation score of Oportun Financial Corp, we use several key financial ratios, including P/E, P/B, P/S, and P/CF. These metrics compare Oportun Financial Corp’s market value to its earnings, assets, sales, and cash flow, serving as core indicators for assessing company value. By analysing these ratios in an all-round manner, the valuation score reflects not only the market’s current perception of Oportun Financial Corp’s value but also its future profitability and growth potential, thereby supporting more informed investment decisions. A higher score indicates a fairer valuation of Oportun Financial Corp.
How do we generate the earnings forecast score of Oportun Financial Corp?
To calculate the earnings forecast score of Oportun Financial Corp, we consider various key indicators such as analyst ratings, financial forecasts, support and resistance levels, and peer comparisons:Current ratings and price targets directly reflect analysts’ expectations, while the upside space indicates their views on the stock’s growth potential.Financial metrics like earnings per share (EPS), revenue, net income, and earnings before interest and taxes (EBIT) are core measures for assessing profitability.By analysing the high, median, and low ranges of the target price, we can identify price trends and determine key support and resistance levels.Comparing these indicators against peers provides context for the stock’s performance and helps
anchor more realistic expectations.These factors together form a comprehensive earnings forecast score that accurately reflects the stock’s expected financial performance and growth potential. A higher score suggests that analysts have a more optimistic outlook on Oportun Financial Corp’s future.
How do we generate the price momentum score of Oportun Financial Corp?
When generating the price momentum score for Oportun Financial Corp, we examine momentum indicators including support and resistance levels as well as volume metrics.Support levels represent price points where buying interest is strong enough to prevent further declines, while resistance levels indicate prices where selling pressure may hinder upward movement. By analysing typical price volume alongside total volume, we assess overall market activity and liquidity. These indicators help identify price trends and potential shifts, enabling more accurate predictions of future earnings.This comprehensive approach can reflect market sentiment and enable rational forecasts of Oportun Financial Corp’s prices. A higher score indicates a more stable short-term price trend for Oportun Financial Corp.
How do we generate the institutional confidence score of Oportun Financial Corp?
To generate the institutional confidence score of Oportun Financial Corp, we analyse both the proportion of shares held by institutions and the number of shares they own. A higher institutional ownership percentage indicates strong confidence of professional investors, which is generally a positive signal about Oportun Financial Corp’s potential. By examining the number of shares held, we gain deeper insight into institutions’ commitment and attitude toward the stock, as institutional investors typically conduct thorough analysis before making investment decisions. Understanding institutional confidence helps us refine earnings forecasts and provides a more reliable perspective on the company’s future performance and market stability. A higher score indicates greater institutional endorsement of Oportun Financial Corp.
How do we generate the risk management score of Oportun Financial Corp?
To assess the risk management score of Oportun Financial Corp, we examine multiple key indicators related to returns, risk, volatility, and liquidity.The highest and lowest daily returns reflect the potential size of gains and losses, while the Sharpe ratio measures risk-adjusted return performance. On the risk side, we analyse maximum drawdown and the return-to-drawdown ratio to identify extreme loss scenarios. Skewness helps assess the distribution of returns and whether performance may be biased. Volatility indicators—such as realised volatility and standardised true range—reveal price fluctuations. Downside risk-adjusted returns provide insight into potential losses and gains. Lastly, liquidity metrics like average turnover rate and turnover deviation indicate how actively the stock is traded.These indicators together provide a multi-dimensional understanding of Oportun Financial Corp’s risk-return profile, serving as core factors of the risk management score. A higher score indicates lower risk on the side of Oportun Financial Corp.
