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olivLaw · US equity research

Oportun Financial Corporation OPRT

Finance Services · SIC 6199 · Vertical: Finance Services (SIC 6199)

11.60USD−10.84% · 1 dayClose 05 Nov 2026

At the close of 05 Nov 2026, Oportun Financial Corporation (OPRT) stock was 11.60 USD (−10.84% on the day), with market capitalisation 534.5 m USD, P/E 15.7 on diluted EPS of 0.74 USD over the last 12 months, beta 1.67, 52-week range 4.13–13.01 USD. Latest reported quarter (Q3 2026): revenue of 246.3 m USD (+3.2% YoY), net income of 22.9 m USD (+341.2% YoY), diluted EPS 0.45 USD.

Data as of · Source: SEC filings and closing prices, computed by olivLaw.

Market cap
534.5 m USD
shares as of 29 Oct 2026
P/E (TTM)
15.7
Diluted EPS TTM 0.74 · TTM to 30 Sept 2026
E/P (TTM)
6.38%
TTM to 30 Sept 2026
Dividend yield
unavailable
Beta (2y)
1.67
Volatility (1y) 67%
52-week range
4.1313.01

Price history

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Technical reading

RSI (14)
67.9
strong (55–70)
Bollinger (20, 2)
7.71 – 11.62
in the upper half of the band · %B 0.99 · band width 40.5%
SMA 50 / 200
8.67 / 6.34
uptrend (price > SMA50 > SMA200)
MACD (12, 26, 9)
0.75 / 0.51
MACD above signal

Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).

Performance

CompanyS&P 500vs S&P 500Vertical median
1 month+39.4%−1.1%+40.5 pp—
3 months+44.1%−0.5%+44.6 pp—
6 months+101.7%+4.4%+97.3 pp—
Year to date+119.3%+12.3%+107.0 pp—
1 year+122.6%+13.5%+109.1 pp−51.7%
3 years+99.3%+76.4%+22.9 pp−68.9%
5 years−54.0%+63.7%−117.6 pp—
Max drawdown (1y)
−31.7%
22 Jan 2026 → 18 Mar 2026
Max drawdown (5y)
−92.3%
12 Nov 2021 → 17 Apr 2024
Compound annual growth (5y)
−14.4%
S&P 500 +10.4%

Price returns, dividends excluded.

Quarterly results

Latest quarter: Q3 2026 · 30 Sept 2026

Revenue
246.3 m USD
+3.2% YoY
Net income
22.9 m USD
+341.2% YoY
Diluted EPS
0.45
+309.1% YoY
net / operating
9.3% / unavailable

Quarterly margins

Quarterly statements · USD

Fiscal yearQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Revenue250.9 m235.9 m234.3 m238.7 m247.7 m228.8 m233.2 m246.3 m
SG&A6.4 m7.4 m9.8 m10.5 m6.3 m7.0 m6.0 m2.2 m
Depreciation & amortisation11.5 m11.1 m10.7 m ≈10.2 m ≈9.5 m9.0 m8.8 m ≈8.8 m ≈
Pre-tax income3.9 m13.2 m10.1 m14.2 m6.6 m3.6 m15.6 m34.6 m
Income tax-4.8 m3.4 m3.2 m9.0 m3.2 m1.2 m7.1 m11.7 m
Net income8.7 m9.8 m6.9 m5.2 m3.4 m2.3 m8.5 m22.9 m
Diluted EPS0.20 ≈0.210.140.110.07 ≈0.050.170.45
Operating cash flow91.4 m101.0 m104.5 m ≈99.0 m ≈108.9 m103.7 m109.3 m ≈118.9 m ≈

≈ derived quarter (cumulative difference / share-days average)

E/P over time

E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.

Today's P/E sits at the 82 percentile of its own 11-quarter history (min 3.6, median 11.0, max 46.8; quarters with earnings only).

Fiscal years

Fiscal year20182019202020212022202320242025
Revenue497.6 m600.1 m583.7 m626.8 m952.5 m1.1 bn1.0 bn956.7 m
Revenue YoY+37.9%+20.6%−2.7%+7.4%+52.0%+11.0%−5.2%−4.5%
Net income123.4 m61.6 m-45.1 m47.4 m-77.7 m-180.0 m-78.7 m25.2 m
Net income YoYunavailable−50.1%−173.2%unavailable−264.0%unavailableunavailableunavailable
Diluted EPS4.470.40-1.651.56-2.37-4.88-1.950.53
Diluted EPS YoYunavailable−91.1%−512.5%unavailable−251.9%unavailableunavailableunavailable
net %24.8%10.3%-7.7%7.6%-8.2%-17.0%-7.9%2.6%
Free cash flow123.8 m209.5 m148.0 m151.2 m241.9 munavailableunavailableunavailable

Reported results vs expectations

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Balance sheet & financial health

Fiscal year 2025 · 31 Dec 2025

Cash
105.5 m USD
Financial debt
unavailable USD
Net debt
unavailable USD
Equity
390.1 m USD
Total assets
3.3 bn USD
Debt / equity
unavailable
Current ratio
unavailable
ROE
6.8%
ROA
0.8%
FCF margin
unavailable

Financial statements (source on every figure)

Revenue and net income (USD)

Margins

Income statement · USD

Revenue
2023
1.1 bn
2024
1.0 bn
2025
956.7 m

SEC (XBRL)· 27 Feb 2026verified

SG&A
2023
72.4 m
2024
53.2 m
2025
34.0 m

SEC (XBRL)· 27 Feb 2026verified

Depreciation & amortisation
2023
54.9 m
2024
51.2 m
2025
41.4 m

SEC (XBRL)· 27 Feb 2026verified

Pre-tax income
2023
-253.7 m
2024
-115.2 m
2025
44.1 m

SEC (XBRL)· 27 Feb 2026verified

Income tax
2023
-73.7 m
2024
-36.5 m
2025
18.8 m

SEC (XBRL)· 27 Feb 2026verified

Net income
2023
-180.0 m
2024
-78.7 m
2025
25.2 m

SEC (XBRL)· 27 Feb 2026verified

Diluted EPS
2023
-4.88
2024
-1.95
2025
0.53

SEC (XBRL)· 27 Feb 2026verified

Weighted average diluted shares
2023
36.9 m
2024
40.4 m
2025
47.9 m

SEC (XBRL)· 27 Feb 2026verified

Balance sheet · USD

Cash
2023
91.2 m
2024
60.0 m
2025
105.5 m

SEC (XBRL)· 27 Feb 2026verified

Property, plant & equipment, net
2023
7.0 m
2024
3.0 m
2025
2.1 m

SEC (XBRL)· 27 Feb 2026verified

Goodwill
2023
—
2024
—
2025
—

SEC (XBRL)· 14 Mar 2023verified

Intangibles (excl. goodwill)
2023
27.5 m
2024
19.9 m
2025
71.7 m

SEC (XBRL)· 06 Aug 2026verified

Total assets
2023
3.4 bn
2024
3.2 bn
2025
3.3 bn

SEC (XBRL)· 27 Feb 2026verified

Long-term debt
2023
—
2024
—
2025
—

SEC (XBRL)· 08 Nov 2022verified

Total liabilities
2023
3.0 bn
2024
2.9 bn
2025
2.9 bn

SEC (XBRL)· 27 Feb 2026verified

Equity
2023
404.4 m †
2024
353.8 m †
2025
390.1 m †

SEC (XBRL)· 27 Feb 2026verified

Cash flow · USD

Operating cash flow
2023
392.8 m
2024
393.5 m
2025
413.4 m

SEC (XBRL)· 27 Feb 2026verified

Capex
2023
—
2024
—
2025
—

SEC (XBRL)· 14 Mar 2023verified

Free cash flow
2023
—
2024
—
2025
—

SEC (XBRL)· 14 Mar 2023derived

Investing cash flow
2023
-286.2 m
2024
-193.7 m
2025
-369.7 m

SEC (XBRL)· 27 Feb 2026verified

Financing cash flow
2023
-104.4 m
2024
-191.2 m
2025
-59.4 m

SEC (XBRL)· 27 Feb 2026verified

Computed indicators

Growth

Revenue growth (YoY)
-4.5%
computed by olivLawFY 2025
Revenue CAGR 3Y
0.1%
computed by olivLawFY 2022 → FY 2025
Revenue CAGR 5Y
10.4%
computed by olivLawFY 2020 → FY 2025
EBIT growth (YoY)
unavailable
input data missing
Net income growth (YoY)
unavailable
the base of the ratio is not positive
Net income CAGR 3Y
unavailable
the base of the ratio is not positive
Net income CAGR 5Y
unavailable
the base of the ratio is not positive
EPS growth (YoY)
unavailable
the base of the ratio is not positive
EPS CAGR 3Y
unavailable
the base of the ratio is not positive
EPS CAGR 5Y
unavailable
the base of the ratio is not positive
FCF growth (YoY)
unavailable
input data missing

Profitability

Gross margin
unavailable
input data missing
EBITDA margin
unavailable
input data missing
EBIT margin
unavailable
input data missing
Net margin
3.9%
computed by olivLawTTM to 30 Sept 2026
FCF margin
unavailable
input data missing

Returns

ROE
9.1%
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026
ROA
1.2%
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026
ROIC
unavailable
input data missing
ROCE
unavailable
input data missing
Payout ratio (EPS)
unavailable
input data missing
Payout ratio (FCF)
unavailable
input data missing

Balance sheet

Net debt
unavailable
input data missing
Net debt / EBITDA
unavailable
input data missing
Debt / equity
unavailable
input data missing
Interest coverage
unavailable
input data missing

Liquidity

Current ratio
unavailable
input data missing
Quick ratio
unavailable
input data missing
Cash ratio
unavailable
input data missing

Cash

Operating cash flow
440.8 m USD
computed by olivLawTTM to 30 Sept 2026
Capital expenditure
unavailable
input data missing
Free cash flow
unavailable
input data missing
FCF conversion
unavailable
input data missing
Cash conversion
unavailable
input data missing

Efficiency

Days sales outstanding
unavailable
input data missing
Days inventory outstanding
unavailable
input data missing
Days payables outstanding
unavailable
input data missing
Cash conversion cycle
unavailable
input data missing

Market and valuation

Market capitalisation
534.5 m USD
computed by olivLawbalance sheet at 30 Sept 2026
Enterprise value
unavailable
input data missing
Market cap / net income TTM
14.4x
computed by olivLawTTM to 30 Sept 2026
P/E (TTM)
15.7x
computed by olivLawTTM to 30 Sept 2026
Earnings yield
6.4%
computed by olivLawTTM to 30 Sept 2026
P/B
1.2x
computed by olivLawbalance sheet at 30 Sept 2026
P/S
0.6x
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026
EV/EBITDA
unavailable
input data missing
EV/EBIT
unavailable
input data missing
EV/Sales
unavailable
input data missing
P/FCF
unavailable
input data missing
FCF yield
unavailable
input data missing
Dividend yield
unavailable
no dividend in the structured statements; a missing line is not a confirmed zero
Shareholder yield (distributions)
unavailable
input data missing

1 indicators that do not apply to the sector.

Valuation

olivLaw classification

Insufficient data
What is missing
  • indicators available: 3 of at least 6
  • score weight coverage: 25.0% of at least 60%

A scoring methodology on indicators and valuation, not investment advice.

Closing price

11.60 USD

05 Nov 2026Source: olivLaw, closing series

Market cap: 534.5 m USD

Key indicators

Market capitalisation
534.5 m USD
computed by olivLawbalance sheet at 30 Sept 2026
P/E (TTM)
15.7x
computed by olivLawTTM to 30 Sept 2026
P/B
1.2x
computed by olivLawbalance sheet at 30 Sept 2026
EV/EBITDA
unavailable
input data missing
ROE
9.1%
computed by olivLawTTM to 30 Sept 2026 · balance sheet at 30 Sept 2026
Net margin
3.9%
computed by olivLawTTM to 30 Sept 2026
Revenue growth (YoY)
-4.5%
computed by olivLawFY 2025
Dividend yield
unavailable
no dividend in the structured statements; a missing line is not a confirmed zero

Coverage and freshness

21/37 reporting lines present
Latest full fiscal year: 2025
Latest reported period: 30 Sept 2026
Latest balance sheet date: 30 Sept 2026
Share count (cover of the latest filing), as of: 29 Oct 2026
Source: SEC (XBRL)published 04 Nov 2026
verified 893derived 81

Score by group

25% · Insufficient data

Estimated value range

Low
1.59
USD per share
Mid
8.09
USD per share
High
27.70
USD per share
Price: 11.60 USD
The price is within the range
Potential to the central value: -30.3% (value / price − 1)
Margin of safety: -43.4% (1 − price / value)
Agreement between methods: single method · 1 methods used · 1 independent bases

The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 1.59 – 27.70 USD.

Valuation assumptions are editorial choices, not measured; beta is not measured.

Method ranges (USD per share)

— — Mid · ▏ Price

Valuation methods

  • DCF (discounted cash flow)unavailable · the input exists, but its latest figure is far older than the latest reported period: not used
  • Peers: EV/EBITDAunavailable · net debt missing: EV cannot be bridged to equity (missing debt is not zero)
  • Peers: P/E1.59 – 27.70 (Mid 8.09)
    10 companies used · median multiple 10.9x · quartiles 2.2x – 37.4x
    AXP, CRCL, DEFT, HKD, JFIN, MATH, PWP, QFIN, SOFI, UPST
  • Dividend discount (DDM)unavailable · the company pays no dividend: a dividend model needs an explicit initiation assumption
Multiple comparisons use the SIC vertical: Finance Services (SIC 6199)

Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.

Assumptions (illustrative, editorial)

Risk-free rate
4.3%
Equity risk premium
5.0%
Beta (default)
1.00
Cost of equity
9.3%
Terminal growth
2.5%

Factor scorecard

Insufficient data

Minimum-evidence gate: indicators available: 3 of at least 6; score weight coverage: 25.0% of at least 60%

FactorValueScoreWeight used
ROIC · Qualityunavailableunavailable—
Net margin · Quality3.9%70 (vs peers)25%
FCF conversion · Qualityunavailableunavailable—
Revenue CAGR 3Y · Growth0.1%1 (on a fixed band)33%
EPS CAGR 3Y · Growthunavailableunavailable—
Net debt / EBITDA · Balance sheetunavailableunavailable—
Interest coverage · Balance sheetunavailableunavailable—
Current ratio · Balance sheetunavailableunavailable—
P/E (TTM) · Valuation15.7x55 (vs peers)42%
EV/EBITDA · Valuationunavailableunavailable—
FCF yield · Valuationunavailableunavailable—
Shareholder yield (distributions) · Returnsunavailableunavailable—
Payout ratio (FCF) · Returnsunavailableunavailable—

Factors without a value were dropped; the remaining weights were renormalised.

Score groups

  • Balance sheet· partialunavailable · 0/3 factors with a value
  • Growth· partial1/100 · 1/2 factors with a value
  • Quality· partial70/100 · 1/3 factors with a value
  • Returns· partialunavailable · 0/2 factors with a value
  • Valuation· partial55/100 · 1/3 factors with a value

A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.

Memo

OPORTUN FINANCIAL CORPORATION (OPRT). Latest full fiscal year: 2025; data up to 2026-09-30.

Figures computed from the financial statements: revenue 956.7 m USD in 2025; YoY growth -4.5%; net margin 3.9%; ROE 9.1%.

The estimated value range is 1.59–27.70 USD per share (median of 1 methods, agreement: single method); assumptions are illustrative. Against the central value of 8.09 USD, the price of 11.60 USD leaves a potential of -30.3% (value / price − 1) and a margin of safety of -43.4% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.

Insufficient data for a verdict (indicators available: 3 of at least 6; score weight coverage: 25.0% of at least 60%).

Text generated deterministically from the figures shown; no language model. Not investment advice.

What supports the thesis

  • Net margin: 3.9%

What contradicts it

  • Revenue CAGR 3Y: 0.1%

Not assessed (insufficient data or a ratio without meaning): ROIC, FCF conversion, EPS CAGR 3Y, Net debt / EBITDA, Interest coverage, Current ratio, EV/EBITDA, FCF yield, Shareholder yield (distributions), Payout ratio (FCF).

Versus the vertical median

Finance Services (SIC 6199) · same industry (4-digit SIC) · compared with 39 companies

Multiples and returns vs the median

P/E
15.7x
vertical median 18.7x
below median (−16.2%)
EV/EBITDA
—
vertical median —
P/S
0.6x
vertical median 3.2x
below median (−82.5%)
P/B
1.2x
vertical median 1.2x
at median
ROE
9.1%
vertical median -23.5%
above median
Net margin
3.9%
vertical median -64.5%
above median
EBIT margin
—
vertical median -89.2%
Revenue YoY
-4.5%
vertical median 23.1%
below median (−119.5%)
Net debt/EBITDA
—
vertical median 0.3x
Dividend yield
—
vertical median 1.7%

Price rebased to 100 (monthly, 5 years)

Companies in the vertical

Market capP/EROENet marginRevenue YoY1A / 3A
AXPAmerican Express Co223.0 bn18.735.9%27.9%+6.4%−9% / +95%
COINCoinbase Global, Inc.40.1 bn—-4.7%-12.5%+9.4%−44% / +21%
SOFISoFi Technologies, Inc.22.4 bn36.37.1%104.3%+23.1%−42% / +138%
HUTHut 8 Corp.5.5 bn—-34.5%-169.8%+44.8%+2% / +384%
KLARKlarna Group plc5.1 bn—-11.9%-7.8%+24.8%−57% / unavailable
CORZCore Scientific, Inc.3.7 bn——-324.9%−37.5%−33% / unavailable
MARAMara Holdings, Inc.2.3 bn—-107.2%-430.2%+38.2%−50% / −51%
UPSTUpstart Holdings, Inc.2.2 bn37.88.0%4.9%+64.0%−51% / −17%
WLTHWealthfront Corporation1.7 bn—-20.5%-19.4%+18.2%unavailable / unavailable
QFINQfin Holdings, Inc.1.3 bn1.725.3%31.1%+16.8%−72% / −65%
BTDRBitdeer Technologies Group1.3 bn—-196.7%-171.3%−5.1%−60% / +18%
KEELKeel Infrastructure Corp.1.0 bn—-87.6%-230.6%+72.0%−53% / +15%
CANCanaan Inc.834.7 m—-59.8%-39.7%+96.7%−82% / −88%
OPRTOportun Financial Corporation534.5 m15.79.1%3.9%−4.5%+123% / +99%
FWDIForward Industries, Inc.420.9 m—-461.4%-2,073.8%−9.0%−36% / −20%
JFINJiayin Group Inc.324.2 m1.441.3%24.7%+12.0%−79% / −71%
ZSQRZ Squared Inc.177.6 m—-25.9%-642.0%unavailable−82% / −86%
BGINBgin Blockchain Limited175.4 m—-134.0%-262.6%−77.7%−47% / unavailable
TONXTon Strategy Company158.1 m—-75.5%-532.8%+1,327.8%−16% / −93%
CNTNCanton Strategic Holdings, Inc.153.8 m—-43.1%—unavailable−26% / −85%
FUFUBitFuFu Inc.149.7 m—-20.0%-6.5%+3.1%−70% / −92%
DEFTDefi Technologies Inc.132.3 m2.074.0%62.9%+215.5%−77% / unavailable
HSDTSolana Company116.7 m—-183.2%-1,302.8%+1,057.1%−53% / −100%
SLNHSoluna Holdings, Inc.111.9 m—-114.6%-185.9%−21.8%−73% / −85%
BMHLBluemount Holdings Limited82.7 m63,940.426.2%18.8%unavailable−3% / unavailable

1- and 3-year price returns: for OPRT from daily closes (the same as the performance table), for the other companies from month-end closes.

olivLaw engine forecast

The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.

The engine has no published run for this company yet.

Valuation scenarios (editable assumptions)

Illustrative scenarios

Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.

Bear
Allowed range: -50 … 50%
Allowed range: -100 … 100%
Allowed range: 0 … 100
Allowed range: -10 … 20%
Allowed range: 0 … 100%
Base
Allowed range: -50 … 50%
Allowed range: -100 … 100%
Allowed range: 0 … 100
Allowed range: -10 … 20%
Allowed range: 0 … 100%
Bull
Allowed range: -50 … 50%
Allowed range: -100 … 100%
Allowed range: 0 … 100
Allowed range: -10 … 20%
Allowed range: 0 … 100%
Nothing is saved.

Estimated price (USD)

Estimated priceBearBaseBull
1 years
7.15
Total return -38% · Per year -38%
12.67
Total return 9% · Per year 9%
19.12
Total return 65% · Per year 65%
3 years
6.34
Total return -45% · Per year -18%
12.70
Total return 10% · Per year 3%
21.14
Total return 82% · Per year 22%
5 years
5.63
Total return -51% · Per year -13%
12.74
Total return 10% · Per year 2%
23.37
Total return 101% · Per year 15%
What moves the 3-year price the most
  • Exit P/E± 3.18
  • Net margin± 2.22
  • Annual revenue growth± 1.90
  • Annual dilution± 0.19

AI analysis

The qualitative analysis has not been written for this company yet.

Products, market & competition

The qualitative analysis has not been written for this company yet.

News & filings

In the press

No news in our archive over the last 180 days.

SEC filings

Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.

Oportun Financial Corporation (OPRT): stock, results, valuation and forecast · olivLaw