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Company Analysis

Oportun Financial Corporation OPRT

A comprehensive view of key metrics, scores, and financial health for Oportun Financial Corporation

Overview of Oportun Financial Corporation

OPRT NMS
Financial Services Credit Services Micro Cap
Oportun Financial Corporation (OPRT), is a Micro Cap company, in the Credit Services industry, last closed at $4.26, about 93.2% undervalued vs fair value, -26.4% 1Y return, placing in the top 10% of its sector.
$4.26
-6.99%
As of March 13, 2026
Previous close • Vol 90d: 62.3%
52-Week Range
Market Cap
$229.18M
Enterprise Value
$135.18M
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.oportun.com
HQ San Carlos, CA
Employees 2,312
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$5
$8
$15
Current: $4.26 +93% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$949.7M
-3.5%%
Interest Expense
$231.5M
Net Interest Income
$711.5M
-11.6%%
Total Revenue
$637.3M
115.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
-22.2%
Poor

Net Income / Equity - key bank profitability metric

Locked Metric
-
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Oportun Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
31
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing OPRT's balance between Growth (44.3%), Profitability (23.3%), and Safety (32.5%). Growth 44% Safety 32% Profitability 23%

Click axes to expand details. Marker shows current allocation.

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Growth

64th percentile vs peers
64
Key Signals
Rev Growth YoY 1.16 88p EPS Growth YoY 60.5% 68p Revenue CAGR 3Y -0.2% 32p
Strengths
  • Rev Growth Yoy in top 20% of peers (1.16, 88th percentile)
  • Growth above peer median with strong metric coverage (75%)
  • Fcf Margin in top 20% of peers (64.9%, 86th percentile)
  • Current Ratio in top 20% of peers (9.17, 85th percentile)
  • Strong liquidity position vs peers
Risks

No significant risks identified for this axis.

Profitability

33th percentile vs peers
34
Key Signals
Strengths
Risks
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Safety

47th percentile vs peers
47
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Oportun Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$8.23
- - -
+93.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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