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Oportun Financial Corporation

OPRT

NASDAQFinancial ServicesFinancial - Credit Services

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Previous close

$7.50

+$0.17 · +2.32%

Aug 21, 4:00 PM ET

OPRT company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

77

Undervalued

Momentum

73

Gaining

Sentiment

60

Mixed

Risk resilience

50

Elevated Risk

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AI-generated, informational only, and not investment advice.

Company profile

Company website

This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options. Customers can access their offerings through diverse channels, including digital platforms, over the phone, or by visiting their physical retail locations. The company's operations span 24 states across the United States, with its footprint reaching areas such as Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Founded in 2005, its corporate headquarters are located in San Carlos, California.

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US
CEO
Doug Bland
Listed since
Sep 26, 2019
Employees
2,405

Market position

Day range

Current $7.50

52-week range

Current $7.50

Open
$7.365
Previous close
$7.33
Volume
527.73K
1.02× average
Average volume
516.61K
Average daily volume
Market cap
344.27M USD
Beta
1.21
Market reference 1
50-day average
$6.13
+22.35% above average
200-day average
$5.4226
+38.31% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.96B USD
EV / EBITDA
34.61×
Earnings yield
9.97%
Free cash flow yield
153.68%

Profitability & efficiency

Return on equity
6.47%
Return on assets
0.77%
Return on invested capital
13.89%

Financial health

Current ratio
9.17×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%48%-11%-70%Gross margin, FY2021: 91.75%Gross margin, FY2022: 87.32%Gross margin, FY2023: 61.00%Gross margin, FY2024: 55.35%Gross margin, FY2025: 63.68%Operating margin, FY2021: 10.86%Operating margin, FY2022: -10.26%Operating margin, FY2023: -55.13%Operating margin, FY2024: -21.59%Operating margin, FY2025: 6.92%Net margin, FY2021: 8.20%Net margin, FY2022: -10.60%Net margin, FY2023: -39.11%Net margin, FY2024: -14.75%Net margin, FY2025: 3.96%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 91.75%. Gross margin FY2022 87.32%. Gross margin FY2023 61.00%. Gross margin FY2024 55.35%. Gross margin FY2025 63.68%. Operating margin FY2021 10.86%. Operating margin FY2022 -10.26%. Operating margin FY2023 -55.13%. Operating margin FY2024 -21.59%. Operating margin FY2025 6.92%. Net margin FY2021 8.20%. Net margin FY2022 -10.60%. Net margin FY2023 -39.11%. Net margin FY2024 -14.75%. Net margin FY2025 3.96%.

Income trends

Revenue

637.34M USD+19.49%

Operating income

44.08M USD+159.25M USD

Net income

25.25M USD+103.93M USD
Income trends across reported periods832.44M USD437.5M USD42.55M USD−352.39M USDRevenue, FY2021: 578.15M USDRevenue, FY2022: 733.7M USDRevenue, FY2023: 460.08M USDRevenue, FY2024: 533.36M USDRevenue, FY2025: 637.34M USDOperating income, FY2021: 62.79M USDOperating income, FY2022: −75.29M USDOperating income, FY2023: −253.65M USDOperating income, FY2024: −115.18M USDOperating income, FY2025: 44.08M USDNet income, FY2021: 47.41M USDNet income, FY2022: −77.74M USDNet income, FY2023: −179.95M USDNet income, FY2024: −78.68M USDNet income, FY2025: 25.25M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 578.15M USD. Revenue FY2022 733.7M USD. Revenue FY2023 460.08M USD. Revenue FY2024 533.36M USD. Revenue FY2025 637.34M USD. Operating income FY2021 62.79M USD. Operating income FY2022 −75.29M USD. Operating income FY2023 −253.65M USD. Operating income FY2024 −115.18M USD. Operating income FY2025 44.08M USD. Net income FY2021 47.41M USD. Net income FY2022 −77.74M USD. Net income FY2023 −179.95M USD. Net income FY2024 −78.68M USD. Net income FY2025 25.25M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue637.34M USD533.36M USD460.08M USD733.7M USD578.15M USD
Cost of goods sold231.5M USD238.16M USD179.41M USD93.05M USD47.67M USD
Gross profit405.84M USD295.2M USD280.67M USD640.66M USD530.48M USD
Selling, general, and administrative184.53M USD207.36M USD269.51M USD323.72M USD270.2M USD
Operating expenses361.76M USD410.38M USD534.32M USD715.94M USD467.69M USD
Interest income910.64M USD949.69M USD984.57M USD876.1M USD575.8M USD
Interest expense231.5M USD238.16M USD179.41M USD93M USD47.7M USD
Depreciation and amortization41.41M USD51.16M USD54.89M USD47.53M USD27.11M USD
Operating income44.08M USD−115.18M USD−253.65M USD−75.29M USD62.79M USD
Net income25.25M USD−78.68M USD−179.95M USD−77.74M USD47.41M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
73%
8 beats, 2 misses, 1 met estimate
Average EPS surprise
+94.12%
11 comparable reports
Latest EPS result
0.42
Estimate 0.33 · Beat by 28.56%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.530.380.230.08Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26MetQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 12, 2025: actual 0.49, estimate 0.12, surprise +308.33%, Beat. Q2 2025, reported May 8, 2025: actual 0.4, estimate 0.09, surprise +344.44%, Beat. Q3 2025, reported Aug 6, 2025: actual 0.31, estimate 0.22, surprise +40.91%, Beat. Q4 2025, reported Nov 4, 2025: actual 0.39, estimate 0.26, surprise +50.00%, Beat. Q1 2026, reported Feb 26, 2026: actual 0.27, estimate 0.26, surprise +3.85%, Beat. Q2 2026, reported May 7, 2026: actual 0.21, estimate 0.21, surprise 0.00%, Met estimate. Q3 2026, reported Aug 5, 2026: actual 0.42, estimate 0.327, surprise +28.56%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 0.43, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates260.94M224.5M188.07M151.63MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 12, 2025: actual 250.9M USD, estimate 247.97M USD, surprise +1.18%, Beat. Q2 2025, reported May 8, 2025: actual 235.9M USD, estimate 228.67M USD, surprise +3.17%, Beat. Q3 2025, reported Aug 6, 2025: actual 164.09M USD, estimate 238.52M USD, surprise -31.20%, Miss. Q4 2025, reported Nov 4, 2025: actual 161.67M USD, estimate 243.48M USD, surprise -33.60%, Miss. Q1 2026, reported Feb 26, 2026: actual 247.7M USD, estimate 243.09M USD, surprise +1.90%, Beat. Q2 2026, reported May 7, 2026: actual 228.8M USD, estimate 228.58M USD, surprise +0.10%, Beat. Q3 2026, reported Aug 5, 2026: actual 233.2M USD, estimate 230.68M USD, surprise +1.09%, Beat. Q4 2026, reported Nov 3, 2026: actual —, estimate 237.86M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

9 ratings
Strong buy00%
Buy444%
Hold556%
Sell00%
Strong sell00%

OPRT news

zacks.com

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

The mean of analysts' price targets for Oportun Financial (OPRT) points to a 31% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising…

Read source
zacks.com

Earnings Estimates Moving Higher for Oportun Financial (OPRT): Time to Buy?

Oportun Financial Corporation (OPRT) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

Read source
zacks.com

Despite Fast-paced Momentum, Oportun Financial (OPRT) Is Still a Bargain Stock

Oportun Financial (OPRT) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at…

Read source
globenewswire.com

Oportun Appoints Scott Scheirman to its Board of Directors

SAN MATEO, Calif., Aug. 13, 2026 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced Scott Scheirman has joined its Board of Directors as an independent Director,…

Read source
defenseworld.net

Contrasting Oportun Financial (NASDAQ:OPRT) and PRA Group (NASDAQ:PRAA)

PRA Group (NASDAQ: PRAA - Get Free Report) and Oportun Financial (NASDAQ: OPRT - Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two companies based on the…

Read source
seekingalpha.com

Oportun Financial Corporation (OPRT) Q2 2026 Earnings Call Transcript

Oportun Financial Corporation (OPRT) Q2 2026 Earnings Call Transcript

Read source

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ETFs holding OPRT

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
8.15M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
6.62M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
6.24M
Weight
0.02%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.82M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
2.81M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
Dimensional - US Small Cap Value ETF logoDimensional - US Small Cap Value ETFDFSV
Market value
1.79M
Weight
0.02%
AUM
8.42B USD
Expense ratio
0.30%
Price / 1D
$40.29+0.72%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
1.68M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
1.61M
Weight
0.07%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%

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