O

    Oportun Financial Corp (OPRT)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NASDAQ

    $7.35
    -0.01 (-0.14%)

    Market Cap: $338.47M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

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

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.46
    Range$0.40 - $0.49
    6 analysts
    EPS Revisions
    2
    0
    7d
    2
    3
    30d
    EPS Estimate Drift
    90d ago$0.47+2.5%
    60d ago$0.47+2.2%
    30d ago$0.46+1.1%
    7d ago$0.46+0.0%
    Current$0.46
    Revenue Consensus
    $239M
    Range$237M - $241M
    5 analysts
    Dec 31, 2026
    EPS Consensus$0.63
    Range$0.57 - $0.67
    6 analysts
    Revenue Consensus
    $249M
    Range$240M - $255M
    6 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.63---
    Sep 26EST
    		-$0.46---
    Jun 26
    		$0.38$0.23+65.22%Beat+22.6%
    Mar 26
    		$0.21$0.17+23.53%Beat-47.5%
    Dec 25
    		$0.21$0.20+5.00%Beat-57.1%
    Sep 25
    		$0.39$0.27+44.44%Beat+1850.0%
    Jun 25
    		$0.31$0.22+40.91%Beat+287.5%
    Mar 25
    		$0.40$0.08+400.00%Beat+344.4%
    Dec 24
    		$0.49$0.10+390.00%Beat+190.7%
    Sep 24
    		$0.02N/A-71.43%Miss+104.3%
    Jun 24
    		$0.08N/A+144.44%Beat+33.3%
    Mar 24
    		$0.09N/A+134.62%Beat+103.5%
    Dec 23
    		$-0.54$-0.39-38.46%Miss-485.7%
    Sep 23
    		$-0.46$0.32-243.75%Miss-284.0%
    Jun 23
    		$0.06N/A+142.86%Beat-45.5%
    Mar 23
    		$-2.60$-1.47-76.87%Miss-264.6%
    Dec 22
    		$0.14$0.23-39.13%Miss-82.9%
    Sep 22
    		$0.25$-0.11+327.27%Beat-67.9%
    Jun 22
    		$0.11$0.09+22.22%Beat-80.4%
    Mar 22
    		$1.58$0.60+163.33%Beat+285.4%
    Dec 21
    		$0.82$0.72+13.89%Beat+36.7%
    Sep 21
    		$0.78$0.44+77.27%Beat+420.0%
    Jun 21
    		$0.56$0.05+1020.00%Beat+143.4%
    Mar 21
    		$0.41$0.19+115.79%Beat+1125.0%
    Dec 20
    		$0.60$0.12+400.00%Beat-36.2%
    Sep 20
    		$0.15$-0.06+350.00%Beat-76.6%
    Jun 20
    		$-1.29$0.07-1942.86%Miss-265.4%
    Mar 20
    		$-0.04N/A-122.22%Miss-
    Dec 19
    		$0.94$0.63+49.21%Beat-
    Sep 19
    		$0.64$0.44+45.45%Beat-
    Jun 19
    		$0.78$0.48+62.50%Beat-

    Key Metrics

    Valuation
    P/E Ratio6.18EV/EBITDAN/A
    Price/FCF0.90xFCF Yield111.24%
    Profitability
    Profit Margin2.62%Operating Margin11.60%
    ROE4.98%ROIC0.88%
    Financial Health
    Debt/Equity6.22xInterest Coverage0.20x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.21Avg Volume489.61K
    52-Week High$8.3052-Week Low$4.03

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$7.46
    SMA 20$7.42
    SMA 50$6.41
    SMA 200$5.50
    EMA 10$7.42
    EMA 20$7.22
    EMA 50$6.60
    EMA 200$5.85

    MACD

    Line: 0.32Signal: 0.40Hist: -0.08

    ADX

    ADX: 29.6+DI: 29.5-DI: 19.3

    Aroon & PSAR

    Aroon Up32.0
    Aroon Down16.0
    PSAR$6.79

    Bollinger Bands

    Upper Band$8.46
    Lower Band$6.39
    %B Position2779%(Upper)
    Band Width0.46

    RSI (14-Day)

    Neutral
    57.3

    Momentum Oscillators

    Stoch %K30.0
    Stoch %D31.7
    Williams %R-70.8
    ROC (10d)-2.3%
    Momentum-0.17
    CCI (20d)-16.5
    MFI (14d)50.0

    Volatility Measures

    ATR (14d)$0.33(4.5%)
    StdDev (20d)0.52
    Hist Vol121.3%(High)

    Volume Flow

    VWAP$7.35
    OBV-1.2M
    AD Line-4.2M
    CMF (20d)0.133

    Volume Metrics

    Avg Vol (20d)488.8K
    Vol Ratio0.6x
    VWMA (20d)$7.55

    Pivot Points

    R3$7.90
    R2$7.78
    R1$7.57
    Pivot Point$7.46
    S1$7.24
    S2$7.13
    S3$6.92

    Advanced Oscillators

    TSI23.81
    Ultimate Osc47.4
    KST251.69

    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

    Related GNG Research

    No research available

    Be the first to write about OPRT

    News

    Wall Street Analysts See a 30.97% Upside in Oportun Financial (OPRT): Can the Stock Really Move This High?

    Oportun Financial (OPRT) shares have gained 38.3% recently, with Wall Street analysts projecting a further 31% upside, based on an average price target of $9.6. Despite some skepticism about the reliability of price targets, the strong agreement among analysts on higher EPS estimates for OPRT, coupled with a Zacks Rank #2 (Buy), suggests a potential for continued stock appreciation. Investors are advised to consider price targets with skepticism but view the positive earnings estimate revisions as a more reliable indicator of near-term upside.

    Yahoo! Finance Canada•8/21/26•
    Neutral

    Oportun Financial (NASDAQ: OPRT) sets four-date vesting on 20,869 RSUs

    Oportun Financial (NASDAQ: OPRT) director Scott Scheirman was granted 20,869 restricted stock units (RSUs) which will vest in four equal installments starting November 11, 2026. The vesting is contingent on his continued service to the company. After this award, his direct holdings in OPRT common stock total 20,869 shares.

    Stock Titan•8/21/26•
    Neutral

    Oportun Financial Adds Independent Director to Strengthen Governance

    Oportun Financial has appointed Scott Scheirman, former CEO of CPI Card Group and ex-CFO of Western Union, as an independent Class I director, expanding its Board to eight members. Scheirman will chair the Audit & Risk Committee and join the Compensation & Leadership Committee, enhancing the company's financial oversight. This appointment, along with recent shareholder approvals regarding executive compensation and auditors, reinforces Oportun's commitment to strong governance and sustainable growth.

    The Globe and Mail•8/16/26•
    Bullish

    Oportun Financial Corp (OPRT) major holders file 13G/A showing 0% stake

    A Schedule 13G/A filing for Oportun Financial Corp (OPRT) indicates that a group of previous large holders, including McLaren Harbor, LLC and Castlelake affiliates, now report 0% beneficial ownership of the company's common stock. This group holds 0 shares with no sole or shared voting or dispositive power. The filing signifies a complete divestment of their prior holdings in OPRT.

    Stock Titan•8/14/26•
    Neutral

    Q3 EPS Estimates for Oportun Financial Increased by Sidoti

    Sidoti has increased its Q3 2026 EPS estimate for Oportun Financial to $0.43 from $0.34, with further forecasts of $1.28 EPS for FY2026 and $1.60 for FY2027. Despite a mixed analyst sentiment with a consensus "Hold" rating, Oportun recently surpassed quarterly expectations, reporting $0.42 EPS against a $0.33 consensus and strong revenue. Institutional investors hold a significant 82.70% of the company's shares.

    MarketBeat•8/14/26•
    Bullish

    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 6.18.
    What is OPRT's market cap?
    Oportun Financial Corp (OPRT) has a market capitalization of $338.47M with a current stock price of $7.35.

    Get full access to GNG Research

    Create a free account to access portfolio tracking, advanced tools, and more.

    Create Free AccountLog In