Oportun Financial/$OPRT
1D1W1M3M6MYTD1Y5YMAX
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
$535M
15.38
$0.75
1.29
-
Price and volume
Market cap
$535M
Beta
1.29
52-week high
$13.34
52-week low
$4.03
Average daily volume
790K
Financial strength
Current ratio
5.61
Quick ratio
5.452
Long term debt to equity
6.264
Total debt to equity
6.264
Profitability
Gross margin (TTM)
95.24%
Net profit margin (TTM)
4.85%
Operating margin (TTM)
11.58%
Effective tax rate (TTM)
38.31%
Revenue per employee (TTM)
$310,000
Management effectiveness
Return on assets (TTM)
1.16%
Return on equity (TTM)
9.11%
Valuation
Price to earnings (TTM)
15.385
Price to revenue (TTM)
0.723
Price to book
1.23
Price to tangible book (TTM)
1.45
Price to free cash flow (TTM)
1.333
Free cash flow yield (TTM)
75.00%
Free cash flow per share (TTM)
8.7
Growth
Revenue change (TTM)
7.64%
Earnings per share change (TTM)
14.43%
3-year revenue growth (CAGR)
-4.95%
3-year earnings per share growth (CAGR)
-43.23%
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
Q3 marked a return to revenue growth, with revenue up 3% and GAAP net income rising to $23 million from $5 million a year earlier. Oportun raised its full-year adjusted EPS outlook to $1.60–$1.70, implying 21% growth at the midpoint. (Oportun Financial)
Credit quality improved: the annualised net charge-off rate fell to 10.6%, its lowest since Q3 2022, while 30-plus-day delinquencies declined to 4.1%. Growth came increasingly from returning customers and secured loans, which management says have lower losses. (Oportun Financial)
Funding costs and leverage are moving in the right direction: cost of debt fell to 6.1% from 8.1% a year earlier, and debt-to-equity declined to 6.2 times from 7.1 times. The company also reported $735 million of undrawn capacity on committed personal-loan warehouse lines. (Oportun Financial)
Despite the recent improvement, a 10.6% annualised charge-off rate still leaves earnings exposed to deterioration in borrowers’ finances. Management said inflation, uneven job creation and higher fuel costs continue to pressure its low-income customers. (The Motley Fool)
The return to growth remains modest: Q3 revenue rose just 3%, while the average daily loan balance was essentially flat. First-half originations were down 4.8% year on year, reflecting fewer new-customer loans under tighter credit standards. (U.S. Securities and Exchange Commission, The Motley Fool)
Costs could absorb some of the recovery: adjusted operating expenses rose 9% in Q3, and management now expects full-year operating expenses to increase by a low single-digit rate. Higher marketing and personnel spending contributed to the increase. (Oportun Financial)
Data summarised monthly by Lightyear AI. Last updated on 5 Nov 2026.
OPRT Financial Performance
Revenues and expenses
OPRT Earnings Performance
Company profitability
Upcoming events
No upcoming events
OPRT News
AllArticlesVideos
Funds containing OPRT
Fund name | Fund size | $OPRT weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.