Oportun Financial Corporation OPRT R2K
Company Overview
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.
Why Investors Should Care
Trades at an undemanding P/E of 15.6.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $19.46M (-14.1% YoY); net profit $25.25M.
- Trailing 12 Months Year-on-year growth — revenue +1.3%, earnings -76.5%.
- 5-Year Trend Long-term compounding — revenue CAGR -30.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -30.58% |
| 1 Year: | 1.30% |
Compounded Profit Growth
| 5 Years: | - |
| 1 Year: | -76.50% |
Stock Price Performance
| 1 Year: | -10.94% |
| 6 Months: | +9.89% |
| 3 Months: | +13.11% |
| 1 Month: | +14.68% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)55.96 · Neutral
P/E of 15.62 is above the sector median of 13.30 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -30.6% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | OPRT Oportun Financial Corporation R2K | 5.78 | 15.62 | $264.37M | 0.00% | - | 4.68% | -30.58% | - |
| 2 | JPM JPMorgan Chase & Co. SPX | 342.89 | 16.42 | $918.78B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 491.09 | 14.61 | $686.70B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 356.02 | 31.01 | $590.89B | 0.83% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 538.02 | 31.10 | $471.86B | 0.71% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 60.62 | 15.04 | $430.20B | 2.00% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 227.67 | 20.62 | $359.10B | 1.87% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,140.00 | 20.83 | $336.31B | 1.69% | - | 14.55% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 85.29 | 13.18 | $261.00B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2018 | Jun 2018 | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | 9.34M | 7.21M | 7.58M | 6.88M | 6.30M | 6.23M | 6.52M | 5.44M | 6.35M | 5.04M | 4.84M | 4.93M | 4.55M |
| Net Income | 38.37M | 38.91M | 20.84M | 14.61M | 13.79M | 10.03M | -13.30M | -34.25M | -6.05M | 3.02M | 7.25M | 22.98M | 45.66M | -9.16M | -105.83M | -102.09M | -14.90M | -21.14M | -26.44M | -31.02M | -29.96M | 9.77M | 6.88M | 5.20M | 2.35M |
| Diluted EPS | - | - | 0.64 | 0.51 | 0.52 | -6.39 | -0.49 | -1.26 | -0.22 | 0.10 | 0.24 | 0.75 | 1.37 | -0.28 | -3.21 | -3.00 | -0.41 | -0.55 | -0.68 | -0.78 | -0.75 | 0.21 | 0.14 | 0.11 | 0.05 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 360.95M | 497.58M | 600.15M | 583.73M | 813.00K | 31.19M | 25.57M | 22.67M | 19.46M |
| Net Income | -10.21M | 123.39M | 61.60M | -45.08M | 47.41M | -77.74M | -179.95M | -78.68M | 25.25M |
| Diluted EPS | -4.22 | 4.47 | 0.40 | -1.65 | 1.56 | -2.37 | -4.88 | -1.95 | 0.53 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.74B | 2.20B | 2.01B | 2.95B | 3.61B | 3.41B | 3.23B | 3.26B |
| Total Equity | 223.56M | 216.73M | 346.55M | 488.77M | 466.63M | 603.88M | 547.60M | 404.40M | 353.81M | 390.08M |
| Cash & Equivalents | - | 48.35M | 70.47M | 72.18M | 136.19M | 130.96M | 98.82M | 91.19M | 59.97M | 105.53M |
| Total Liabilities | - | - | 1.39B | 1.71B | 1.54B | 2.34B | 3.07B | 3.01B | 2.87B | 2.87B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 139.12M | 138.37M | 218.37M | 152.87M | 163.45M | 247.88M | 392.76M | 393.52M | 413.41M |
| Investing Cash Flow | -343.39M | -471.43M | -497.68M | 16.38M | -884.79M | -1.17B | -286.18M | -193.69M | -369.73M |
| Financing Cash Flow | 230.69M | 368.07M | 286.27M | -136.80M | 745.71M | 934.53M | -104.39M | -191.22M | -59.38M |
| Capital Expenditure | -8.55M | -14.56M | -8.88M | -4.83M | -12.30M | -6.00M | - | - | - |
| Free Cash Flow | 130.57M | 123.81M | 209.50M | 148.04M | 151.15M | 241.88M | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Net Margin % | -2.8% | 24.8% | 10.3% | -7.7% | 5,832.0% | -249.3% | -703.8% | -347.1% | 129.7% |
| ROE % | -4.7% | 35.6% | 12.6% | -9.7% | 7.9% | -14.2% | -44.5% | -22.2% | 6.5% |
| ROCE % | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Neuberger Berman Group, LLC | 8.30% | 3.81M | $22.73M |
| 2 | Forager Capital Management, LLC | 7.32% | 3.36M | $20.05M |
| 3 | Blackrock Inc. | 6.70% | 3.08M | $18.36M |
| 4 | Findell Capital Management LLC | 5.99% | 2.75M | $16.39M |
| 5 | Millennium Management Llc | 4.91% | 2.25M | $13.44M |
| 6 | Vanguard Capital Management LLC | 3.55% | 1.63M | $9.71M |
| 7 | Long Focus Capital Management, LLC | 3.30% | 1.52M | $9.04M |
| 8 | Dimensional Fund Advisors LP | 2.97% | 1.36M | $8.13M |
| 9 | Simcoe Capital LLC | 2.18% | 1.00M | $5.98M |
| 10 | Two Sigma Investments, LP | 2.09% | 961.64K | $5.74M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for OPRT
Should Value Investors Buy Oportun Financial (OPRT) Stock? - Yahoo Finance
<a href="https://news.google.com/rss/articles/CBMipAFBVV95cUxNaUt4WmVzRWVFdjB6UFdFQ05iWnRSSmEwTjJ6cEI1MVhBTzFrT2pkVnV1eXJsRWVjSFprdmVxOWhTNkJHOThuU09iM3pmNWwtc0pBYUdRb1dYM21BUG4xcmQ4bVZ0ZE9May1kTjJzZmdscmwzYlIxeE44MlZuUGpZWVZUNlZTT3QwNGVJNT…
Millennium discloses 945,987 Oportun Financial (OPRT) shares under 5% - Stock Titan
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Oportun Financial (OPRT) Soars 6.8%: Is Further Upside Left in the Stock? - Yahoo Finance
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Oportun Financial Launches New Consumer Lending Program Partnership - The Globe and Mail
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(OPRT) Price Dynamics and Execution-Aware Positioning - Stock Traders Daily
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Oportun Financial: An Overlooked Opportunity, Trading At A Compelling Valuation - Seeking Alpha
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OPRT — Frequently Asked Questions
What is the current share price of Oportun Financial Corporation (OPRT)?
As of 2026-07-14 21:23 PDT, Oportun Financial Corporation (OPRT) trades at $5.78 on NasdaqGS. Its 52-week range is $4.13 to $7.10.
What is the market capitalisation of OPRT?
Oportun Financial Corporation (OPRT) has a market capitalisation of $264.37M on NasdaqGS.
What is the P/E ratio of OPRT?
OPRT trades at a trailing price-to-earnings (P/E) ratio of 15.62. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 0.60.
What is the return on equity (ROE) of OPRT?
OPRT has a return on equity (ROE) of 4.68%.
Is OPRT a good stock to buy?
This page provides a data-driven analysis of Oportun Financial Corporation (OPRT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.