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    O

    Oportun Financial Corp (OPRT)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $9.21
    +0.43 (+4.90%)

    Market Cap: $403.77M

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    76%(22/29)
    Avg Surprise
    +51.84%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.45
    Range$0.40 - $0.48
    5 analysts
    EPS Revisions
    2
    0
    7d
    2
    3
    30d
    EPS Estimate DriftChange to current
    90d ago$0.46-3.0%
    60d ago$0.46-1.9%
    30d ago$0.46-1.9%
    7d ago$0.45-0.9%
    Current$0.45
    Revenue Consensus
    $238M
    Range$237M - $239M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.64
    Range$0.58 - $0.68
    5 analysts
    Revenue Consensus
    $248M
    Range$241M - $253M
    5 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.64---
    Sep 26EST
    		-$0.45---
    Jun 26
    Reported Aug 5
    		$0.38$0.23+65.22%Beat+22.6%
    Mar 26
    Reported May 7
    		$0.21$0.17+23.53%Beat-47.5%
    Dec 25
    Reported Feb 26
    		$0.21$0.20+5.00%Beat-57.1%
    Sep 25
    Reported Nov 4
    		$0.39$0.27+44.44%Beat+1850.0%
    Jun 25
    Reported Aug 6
    		$0.31$0.22+40.91%Beat+287.5%
    Mar 25
    Reported May 8
    		$0.40$0.08+400.00%Beat+344.4%
    Dec 24
    Reported Feb 12
    		$0.49$0.10+390.00%Beat+190.7%
    Sep 24
    Reported Nov 12
    		$0.02N/A-71.43%Miss+104.3%
    Jun 24
    Reported Aug 8
    		$0.08N/A+144.44%Beat+33.3%
    Mar 24
    Reported May 9
    		$0.09N/A+134.62%Beat+103.5%
    Dec 23
    Reported Mar 12
    		$-0.54$-0.39-38.46%Miss-485.7%
    Sep 23
    Reported Nov 6
    		$-0.46$0.32-243.75%Miss-284.0%
    Jun 23
    Reported Aug 8
    		$0.06N/A+142.86%Beat-45.5%
    Mar 23
    Reported May 8
    		$-2.60$-1.47-76.87%Miss-264.6%
    Dec 22
    Reported Mar 13
    		$0.14$0.23-39.13%Miss-82.9%
    Sep 22
    Reported Nov 7
    		$0.25$-0.11+327.27%Beat-67.9%
    Jun 22
    Reported Aug 8
    		$0.11$0.09+22.22%Beat-80.4%
    Mar 22
    Reported May 9
    		$1.58$0.60+163.33%Beat+285.4%
    Dec 21
    Reported Feb 24
    		$0.82$0.72+13.89%Beat+36.7%
    Sep 21
    Reported Nov 3
    		$0.78$0.44+77.27%Beat+420.0%
    Jun 21
    Reported Aug 5
    		$0.56$0.05+1020.00%Beat+143.4%
    Mar 21
    Reported May 6
    		$0.41$0.19+115.79%Beat+1125.0%
    Dec 20
    Reported Feb 18
    		$0.60$0.12+400.00%Beat-36.2%
    Sep 20
    Reported Nov 10
    		$0.15$-0.06+350.00%Beat-76.6%
    Jun 20
    Reported Aug 6
    		$-1.29$0.07-1942.86%Miss-265.4%
    Mar 20
    Reported May 14
    		$-0.04N/A-122.22%Miss-
    Dec 19
    Reported Feb 27
    		$0.94$0.63+49.21%Beat-
    Sep 19
    Reported Nov 12
    		$0.64$0.44+45.45%Beat-
    Jun 19
    Reported Sep 27
    		$0.78$0.48+62.50%Beat-

    Key Metrics

    Valuation
    P/E Ratio7.74EV/EBITDAN/A
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin2.62%Operating Margin11.60%
    ROE4.98%ROICN/A
    Financial Health
    Debt/Equity6.22xInterest CoverageN/A
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.26Avg Volume789.52K
    52-Week High$9.2752-Week Low$4.03

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$8.73
    SMA 20$8.51
    SMA 50$7.99
    SMA 200$5.99
    EMA 10$8.80
    EMA 20$8.53
    EMA 50$7.89
    EMA 200$6.46

    MACD

    Line: 0.34Signal: 0.30Hist: 0.04

    ADX

    ADX: 37.2+DI: 26.3-DI: 11.3

    Aroon & PSAR

    Aroon Up92.0
    Aroon DownN/A
    PSAR$8.29

    Bollinger Bands

    Upper Band$9.21
    Lower Band$7.81
    %B Position1644%(Upper)
    Band Width1.00

    RSI (14-Day)

    Neutral
    67.3

    Momentum Oscillators

    Stoch %K83.1
    Stoch %D85.3
    Williams %R-4.7
    ROC (10d)12.0%
    Momentum0.98
    CCI (20d)147.3
    MFI (14d)50.4

    Volatility Measures

    ATR (14d)$0.37(4.1%)
    StdDev (20d)0.35
    Hist Vol37.2%(Moderate)

    Volume Flow

    VWAP$9.07
    OBV9.2M
    AD Line1.8M
    CMF (20d)0.188

    Volume Metrics

    Avg Vol (20d)798.3K
    Vol Ratio0.7x
    VWMA (20d)$8.49

    Pivot Points

    R3$9.62
    R2$9.40
    R1$9.09
    Pivot Point$8.87
    S1$8.56
    S2$8.34
    S3$8.03

    Advanced Oscillators

    TSI30.27
    Ultimate Osc66.3
    KST114.15

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$105.63M$94.89M$148.35M$105.05M$104.55M$105.83M$93.39M$62.62M$60.03M$79.17M$72.10M$85.14M
    Cost of RevenueN/A$48.00M$57.94M$56.62M$59.54M$57.40M$73.70M$55.75M$54.24M$54.47M$52.00M$46.97M
    Gross ProfitN/A$94.81M$90.41M$105.05M$104.55M$105.83M$93.39M$62.62M$60.03M$79.17M$72.10M$85.14M
    Operating Expenses$90.01M$91.33M$83.84M$90.81M$94.44M$92.67M$89.48M$102.08M$109.18M$109.64M$129.38M$122.51M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$26.05M$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$3.60M$6.57M$14.24M$10.11M$13.16M$3.91M$-39,464,000$-49,149,000$-30,475,000$-57,279,000$-37,370,000
    Interest Income$219.27M$215.66M$236.41M$222.34M$218.28M$220.22M$233.46M$230.04M$231.37M$230.59M$242.16M$243.26M
    Interest Expense$41.93M$47.98M$57.94M$56.62M$59.54M$57.40M$73.70M$55.75M$54.24M$54.47M$52.00M$46.97M
    Income Before Tax$15.62M$3.56M$6.57M$14.24M$10.11M$13.16M$3.91M$-39,464,000$-49,149,000$-30,475,000$-57,279,000$-37,370,000
    Income Tax Expense$7.08M$1.22M$3.16M$9.05M$3.23M$3.39M$-4,827,000$-9,508,000$-18,124,000$-4,036,000$-15,455,000$-16,232,000
    Net Income$8.54M$2.35M$3.40M$5.20M$6.88M$9.77M$8.74M$-29,956,000$-31,025,000$-26,439,000$-41,824,000$-21,138,000
    EBITDA$17.34M$12.30M$16.03M$16.02M$11.73M$12.39M$-4,795,000$-28,461,000$-44,686,000$-18,874,000$-47,508,000$-25,793,000
    EBIT$15.62M$3.56M$6.57M$14.24M$10.11M$13.16M$3.91M$-39,464,000$-49,149,000$-30,475,000$-57,279,000$-37,370,000
    * Some calculated fields are derived from available data when not provided by source

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    News

    OPRT Maintained by Jefferies -- Price Target Raised to $9.00

    Jefferies has maintained a "Hold" rating on Oportun Financial (OPRT) but raised its price target to $9.00 from $6.00, a 50% increase. Despite this...

    GuruFocus•10/7/26•Somewhat-Bearish

    147,136 Shares in Oportun Financial Corporation $OPRT Purchased by Bank of America Corp DE

    Bank of America Corp DE has acquired 147,136 shares of Oportun Financial Corporation ($OPRT) valued at approximately $840,000...

    MarketBeat•10/3/26•Somewhat-Bullish

    Fast-paced Momentum Stock Oportun Financial (OPRT) Is Still Trading at a Bargain

    Oportun Financial (OPRT) is identified as a fast-paced momentum stock that is still trading at a bargain, according to Zacks Equity Research. The article highlights its recent price momentum, beta of 1.25...

    Yahoo Finance•10/1/26•Bullish

    Oportun Financial Eyes Stronger 2026 as Credit Quality, Profits Improve

    Oportun Financial (OPRT) expects a stronger 2026 due to improved credit quality, lower funding costs, and sustained profitability...

    Yahoo Finance•9/28/26•Bullish

    Oportun Financial Corporation (NASDAQ:OPRT) Stock Has Average Target Price of $7.33 According to Analysts

    Analysts have assigned an average "Hold" rating to Oportun Financial (NASDAQ:OPRT) with a 12-month target price of $7.33. The company recently surpassed earnings expectations...

    MarketBeat•9/25/26•Somewhat-Bullish

    OPRT Valuation and Fair Value

    P/E
    7.7x
    Forward P/E
    5.5x
    P/B
    1.1x
    See GNG's fair value

    OPRT Profitability: Margins, ROIC and FCF

    Operating margin
    11.6%
    Net margin
    2.6%
    ROE
    5.0%

    OPRT Competitors

    CompanyTicker
    New Providence Acquisition Corp. III Class A Ordinary SharesNPAC
    Investar Holding CorpISTR
    Value Line IncVALU
    Angel Oak Financial Strategies Income Term TrustFINS
    US Century BankUSCB
    Berto Acquisition Corp. Ordinary SharesTACO
    HCM II Acquisition CorpHOND
    PCB BancorpPCB

    Sector: Financial Services

    OPRT Analyst Ratings

    Consensus
    Hold
    Analysts
    4
    Strong Buy
    0
    Buy
    2
    Hold
    2
    Sell
    0
    Strong Sell
    0

    OPRT Bull Case vs Bear Case

    Bull case

    • OPRT beat EPS estimates in 87.5% of its last 8 reported quarters.

    Bear case

    • OPRT has a debt-to-equity ratio of 6.2x.

    OPRT Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    112.2%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.45
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 3 down

    Frequently Asked Questions About OPRT

    Does OPRT pay dividends?

    Oportun Financial Corp (OPRT) does not currently pay a regular dividend.

    What is OPRT's P/E ratio?

    Oportun Financial Corp has a price-to-earnings (P/E) ratio of 7.74.

    What is OPRT's market cap?

    Oportun Financial Corp (OPRT) has a market capitalization of $403.77M with a current stock price of $9.21.

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