Skip to content
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 Framework: Banks & Lenders Micro Cap
Oportun Financial Corporation (OPRT), is a Micro Cap company, in the Credit Services industry, last closed at $5.77, about 46.6% undervalued vs fair value, -6.6% 1Y return, placing in the top 10% of its sector.
Metrics P/E 10.0× Rev Growth 37.5% ROE 6.8% Gross Margin 100.0%
USD 5.77
-3.03%
(Delayed)
• Vol 90d: 57.7%
52-Week Range
Market Cap
$258.70M
Enterprise Value
$2.85B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Good
Growth
Fair
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Good
Completeness: 82%
Confidence: 84%
Updated: Jul 5
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

Earnings Aug 5 Estimated

Fair Value Snapshot

Bear Base Bull
$5
$8
$16
Current: $5.77 +47% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$910.6M
-4.1%%
Interest Expense
$231.5M
Net Interest Income
$679.1M
-4.6%%
Total Revenue
$405.8M
37.5%%
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
6.5%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium
Locked Metric
-
Premium

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 Bank Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
19
/100
Weak
Scores based on quantitative metrics and qualitative factors

Upgrade to unlock interactive defense details

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Weak
14
Premium
Unlock full defense details

See key signals plus strengths and risks for this moat dimension.

Upgrade for full defense analysis Premium-only evidence and insights.
For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing OPRT's balance between Growth (34.8%), Profitability (29.0%), and Safety (36.2%). Growth 35% Safety 36% Profitability 29%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
Upgrade to unlock the full 3-year trend analysis and deltas.

Growth

38th percentile vs peers
38
Key Signals
EPS Growth YoY 1.27 90p Equity Growth YoY 10.2% 54p Asset Growth YoY 0.9% 23p NII Growth YoY -4.5% 11p
Strengths
  • EPS Growth YoY in top 20% of peers (1.27, 90th percentile)
  • Net Interest Margin in top 20% of peers (22.1%, 98th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-4.5%)

Profitability

31th percentile vs peers
32
Key Signals
Strengths
Risks
Premium
Unlock full Profitability drilldowns

See the signal-level drivers and insights behind this axis. Upgrade to reveal the full Trade-Off Ledger.

Upgrade Now

Safety

39th percentile vs peers
40
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Oportun Financial Corporation.

Loading valuation model...
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
X.X%
X%XX%
X.X%
-XX%XX%
XX.X%
-XX%XX%
Adjust the sliders above to explore different valuation scenarios.
Unlock Premium
Reveal the full Scenario Theatre
See live sliders, narratives, and full Bear/Base/Bull outcomes.
Upgrade Now
Bear
-
- - -
- upside
-
Base
$8.46
- - -
+46.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
Actions & Info
Send Feedback
Please select a category.
0/1000