Oportun Financial/$OPRT
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Capital at risk
About Oportun Financial
Oportun Financial Corp is engaged in providing financial services to people who either do not have a credit score or who may have a limited credit history. The company offers Personal Loans, Auto Loans, unsecured personal loans, and secured personal loans, and provides deposit accounts, debit card services, and other transaction services to its customers. Its product offerings include small-dollar, unsecured installment loans and other products and services.
- Ticker
- $OPRT
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 2,447
- Headquarters
- San Mateo, United States
- Website
- oportun.com
OPRT Metrics
BasicAdvanced
$390M
21.11
$0.40
1.20
-
Price and volume
Market cap
$390M
Beta
1.2
52-week high
$8.50
52-week low
$4.03
Average daily volume
456K
Financial strength
Current ratio
51.129
Quick ratio
49.68
Long term debt to equity
6.532
Total debt to equity
6.54
Profitability
Gross margin (TTM)
95.23%
Net profit margin (TTM)
2.62%
Operating margin (TTM)
8.38%
Effective tax rate (TTM)
51.28%
Revenue per employee (TTM)
$300,000
Management effectiveness
Return on assets (TTM)
0.62%
Return on equity (TTM)
4.98%
Valuation
Price to earnings (TTM)
21.113
Price to revenue (TTM)
0.54
Price to book
1.01
Price to tangible book (TTM)
1.21
Price to free cash flow (TTM)
1.015
Free cash flow yield (TTM)
98.54%
Free cash flow per share (TTM)
8.356
Growth
Revenue change (TTM)
2.65%
Earnings per share change (TTM)
-477.64%
3-year revenue growth (CAGR)
-5.99%
3-year earnings per share growth (CAGR)
-60.97%
What the Analysts think about OPRT
Analyst ratings (Buy, Hold, Sell) for Oportun Financial stock.
Analyst projections of the future price of Oportun Financial stock.
Bulls say / Bears say
Oportun delivered GAAP net income of $8.5 million in Q2 2026, up 24% year-over-year, marking its seventh consecutive quarter of profitability. (SEC)
Adjusted EBITDA for Q2 2026 was $49 million, a 56% increase year-over-year, driven by a $17.6 million decrease in interest expense and disciplined expense management. (SEC)
Under a tight credit posture, aggregate originations returned to growth in Q2 2026, rising 1% to $488 million, reflecting increasing demand from returning members and expansion of secured personal loans. (SEC)
Total revenue for Q2 2026 was flat at $233 million compared to $234 million a year earlier, indicating limited top-line growth. (SEC)
The annualized net charge-off rate remained elevated at 12.0% in Q2 2026, virtually unchanged from 11.9% in the prior-year period, posing continued credit risk. (SEC)
Owned principal balance declined 1% year-over-year to $2.613 billion as of June 30, 2026, reflecting contraction in the loan portfolio amid conservative origination strategies. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 3 Sept 2026.
OPRT Financial Performance
Revenues and expenses
OPRT Earnings Performance
Company profitability
Upcoming events
No upcoming events
OPRT News
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Funds containing OPRT
Fund name | Fund size | $OPRT weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.01% |
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