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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 $6.03, about 36.5% undervalued vs fair value, +17.8% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth 115.9% ROE 6.8% Gross Margin 63.7%
$6.03
2.03%
As of April 28, 2026
Previous close • Vol 90d: 64.3%
52-Week Range
Market Cap
$268.34M
Enterprise Value
$174.34M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Good
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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 May 7 Estimated

Fair Value Snapshot

Bear Base Bull
$5
$8
$15
Current: $6.03 +37% 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

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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
39
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
31
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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 (30.0%), Profitability (41.6%), and Safety (28.4%). Growth 30% Safety 28% Profitability 42%

Click axes to expand details. Marker shows current allocation.

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Growth

35th percentile vs peers
36
Key Signals
EPS Growth YoY 60.5% 70p Asset Growth YoY 0.9% 32p NII Growth YoY -11.6% 31p Equity Growth YoY -12.5% 12p
Strengths
  • Net Interest Margin in top 20% of peers (22.1%, 91th percentile)
Risks
  • Equity Growth YoY in bottom 20% of peers (-12.5%)

Profitability

49th percentile vs peers
50
Key Signals
Strengths
Risks
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Safety

33th percentile vs peers
34
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:

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  • 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
- - -
+36.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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