olivLaw · US equity research
Oportun Financial Corporation OPRT
Finance Services · SIC 6199 · Vertical: Finance Services (SIC 6199)
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.
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
| Company | S&P 500 | vs S&P 500 | Vertical 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 | — |
Price returns, dividends excluded.
Quarterly results
Latest quarter: Q3 2026 · 30 Sept 2026
Quarterly margins
Quarterly statements · USD
| Fiscal year | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 250.9 m | 235.9 m | 234.3 m | 238.7 m | 247.7 m | 228.8 m | 233.2 m | 246.3 m |
| SG&A | 6.4 m | 7.4 m | 9.8 m | 10.5 m | 6.3 m | 7.0 m | 6.0 m | 2.2 m |
| Depreciation & amortisation | 11.5 m | 11.1 m | 10.7 m ≈ | 10.2 m ≈ | 9.5 m | 9.0 m | 8.8 m ≈ | 8.8 m ≈ |
| Pre-tax income | 3.9 m | 13.2 m | 10.1 m | 14.2 m | 6.6 m | 3.6 m | 15.6 m | 34.6 m |
| Income tax | -4.8 m | 3.4 m | 3.2 m | 9.0 m | 3.2 m | 1.2 m | 7.1 m | 11.7 m |
| Net income | 8.7 m | 9.8 m | 6.9 m | 5.2 m | 3.4 m | 2.3 m | 8.5 m | 22.9 m |
| Diluted EPS | 0.20 ≈ | 0.21 | 0.14 | 0.11 | 0.07 ≈ | 0.05 | 0.17 | 0.45 |
| Operating cash flow | 91.4 m | 101.0 m | 104.5 m ≈ | 99.0 m ≈ | 108.9 m | 103.7 m | 109.3 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 year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 497.6 m | 600.1 m | 583.7 m | 626.8 m | 952.5 m | 1.1 bn | 1.0 bn | 956.7 m |
| Revenue YoY | +37.9% | +20.6% | −2.7% | +7.4% | +52.0% | +11.0% | −5.2% | −4.5% |
| Net income | 123.4 m | 61.6 m | -45.1 m | 47.4 m | -77.7 m | -180.0 m | -78.7 m | 25.2 m |
| Net income YoY | unavailable | −50.1% | −173.2% | unavailable | −264.0% | unavailable | unavailable | unavailable |
| Diluted EPS | 4.47 | 0.40 | -1.65 | 1.56 | -2.37 | -4.88 | -1.95 | 0.53 |
| Diluted EPS YoY | unavailable | −91.1% | −512.5% | unavailable | −251.9% | unavailable | unavailable | unavailable |
| net % | 24.8% | 10.3% | -7.7% | 7.6% | -8.2% | -17.0% | -7.9% | 2.6% |
| Free cash flow | 123.8 m | 209.5 m | 148.0 m | 151.2 m | 241.9 m | unavailable | unavailable | unavailable |
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
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Revenue | 583.7 m | 626.8 m | 952.5 m | 1.1 bn | 1.0 bn | 956.7 m | SEC (XBRL)· 27 Feb 2026verified |
| SG&A | 20.5 m | 37.5 m | 58.8 m | 72.4 m | 53.2 m | 34.0 m | SEC (XBRL)· 27 Feb 2026verified |
| Depreciation & amortisation | 20.2 m | 27.1 m | 47.5 m | 54.9 m | 51.2 m | 41.4 m | SEC (XBRL)· 27 Feb 2026verified |
| Pre-tax income | -58.1 m | 62.8 m | -75.3 m | -253.7 m | -115.2 m | 44.1 m | SEC (XBRL)· 27 Feb 2026verified |
| Income tax | -13.0 m | 15.4 m | 2.5 m | -73.7 m | -36.5 m | 18.8 m | SEC (XBRL)· 27 Feb 2026verified |
| Net income | -45.1 m | 47.4 m | -77.7 m | -180.0 m | -78.7 m | 25.2 m | SEC (XBRL)· 27 Feb 2026verified |
| Diluted EPS | -1.65 | 1.56 | -2.37 | -4.88 | -1.95 | 0.53 | SEC (XBRL)· 27 Feb 2026verified |
| Weighted average diluted shares | 27.3 m | 30.3 m | 32.8 m | 36.9 m | 40.4 m | 47.9 m | SEC (XBRL)· 27 Feb 2026verified |
Balance sheet · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 136.2 m | 131.0 m | 98.8 m | 91.2 m | 60.0 m | 105.5 m | SEC (XBRL)· 27 Feb 2026verified |
| Property, plant & equipment, net | 15.9 m | 9.9 m | 10.5 m | 7.0 m | 3.0 m | 2.1 m | SEC (XBRL)· 27 Feb 2026verified |
| Goodwill | 0 | 104.0 m | 0 | — | — | — | SEC (XBRL)· 14 Mar 2023verified |
| Intangibles (excl. goodwill) | 64.0 k | 43.6 m | 35.7 m | 27.5 m | 19.9 m | 71.7 m | SEC (XBRL)· 06 Aug 2026verified |
| Total assets | 2.0 bn | 2.9 bn | 3.6 bn | 3.4 bn | 3.2 bn | 3.3 bn | SEC (XBRL)· 27 Feb 2026verified |
| Long-term debt | — | 114.1 m | — | — | — | — | SEC (XBRL)· 08 Nov 2022verified |
| Total liabilities | 1.5 bn | 2.3 bn | 3.1 bn | 3.0 bn | 2.9 bn | 2.9 bn | SEC (XBRL)· 27 Feb 2026verified |
| Equity | 466.6 m | 603.9 m | 547.6 m | 404.4 m † | 353.8 m † | 390.1 m † | SEC (XBRL)· 27 Feb 2026verified |
† equity attributable to the parent's shareholders: in these years the issuer no longer reports the total including non-controlling interests.
Cash flow · USD
| Line | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | 152.9 m | 163.4 m | 247.9 m | 392.8 m | 393.5 m | 413.4 m | SEC (XBRL)· 27 Feb 2026verified |
| Capex | 4.8 m | 12.3 m | 6.0 m | — | — | — | SEC (XBRL)· 14 Mar 2023verified |
| Free cash flow | 148.0 m ≈ | 151.2 m ≈ | 241.9 m ≈ | — | — | — | SEC (XBRL)· 14 Mar 2023derived |
| Investing cash flow | 16.4 m | -884.8 m | -1.2 bn | -286.2 m | -193.7 m | -369.7 m | SEC (XBRL)· 27 Feb 2026verified |
| Financing cash flow | -136.8 m | 745.7 m | 934.5 m | -104.4 m | -191.2 m | -59.4 m | SEC (XBRL)· 27 Feb 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
1 indicators that do not apply to the sector.
Valuation
olivLaw classification
- 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
05 Nov 2026Source: olivLaw, closing series
Market cap: 534.5 m USD
Key indicators
Coverage and freshness
Score by group
25% · Insufficient data
Estimated value range
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 – 37.4xAXP, 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
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%
| Factor | Value | Score | Weight used |
|---|---|---|---|
| ROIC · Quality | unavailable | unavailable | — |
| Net margin · Quality | 3.9% | 70 (vs peers) | 25% |
| FCF conversion · Quality | unavailable | unavailable | — |
| Revenue CAGR 3Y · Growth | 0.1% | 1 (on a fixed band) | 33% |
| EPS CAGR 3Y · Growth | unavailable | unavailable | — |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Interest coverage · Balance sheet | unavailable | unavailable | — |
| Current ratio · Balance sheet | unavailable | unavailable | — |
| P/E (TTM) · Valuation | 15.7x | 55 (vs peers) | 42% |
| EV/EBITDA · Valuation | unavailable | unavailable | — |
| FCF yield · Valuation | unavailable | unavailable | — |
| Shareholder yield (distributions) · Returns | unavailable | unavailable | — |
| Payout ratio (FCF) · Returns | unavailable | unavailable | — |
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
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| AXPAmerican Express Co | 223.0 bn | 18.7 | 35.9% | 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 bn | 36.3 | 7.1% | 104.3% | +23.1% | −42% / +138% |
| HUTHut 8 Corp. | 5.5 bn | — | -34.5% | -169.8% | +44.8% | +2% / +384% |
| KLARKlarna Group plc | 5.1 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 bn | 37.8 | 8.0% | 4.9% | +64.0% | −51% / −17% |
| WLTHWealthfront Corporation | 1.7 bn | — | -20.5% | -19.4% | +18.2% | unavailable / unavailable |
| QFINQfin Holdings, Inc. | 1.3 bn | 1.7 | 25.3% | 31.1% | +16.8% | −72% / −65% |
| BTDRBitdeer Technologies Group | 1.3 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 Corporation | 534.5 m | 15.7 | 9.1% | 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 m | 1.4 | 41.3% | 24.7% | +12.0% | −79% / −71% |
| ZSQRZ Squared Inc. | 177.6 m | — | -25.9% | -642.0% | unavailable | −82% / −86% |
| BGINBgin Blockchain Limited | 175.4 m | — | -134.0% | -262.6% | −77.7% | −47% / unavailable |
| TONXTon Strategy Company | 158.1 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 m | 2.0 | 74.0% | 62.9% | +215.5% | −77% / unavailable |
| HSDTSolana Company | 116.7 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 Limited | 82.7 m | 63,940.4 | 26.2% | 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.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 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% |
- 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.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
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News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Quarterly report04 Nov 2026
- Current report03 Nov 2026Results of operations · Financial statements and exhibits
- Current report11 Sept 2026Departure or appointment of officers · Other events · Financial statements and exhibits
- Current report25 Aug 2026Departure or appointment of officers · Financial statements and exhibits
- Current report14 Aug 2026Departure or appointment of officers · Shareholder vote · Financial statements and exhibits
- Quarterly report06 Aug 2026
- Current report05 Aug 2026Results of operations · Financial statements and exhibits
- Current report07 Jul 2026Material agreement
- Proxy statement29 Jun 2026
- Current report24 Jun 2026Material agreement · Financial statements and exhibits
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.