/OPRT
OPRT Stock - Oportun Financial Corporation
Financial Services|Financial - Credit ServicesNASDAQ
$5.42-0.55%
$0.03 (-0.55%) • Dec 19
70
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.BUY
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.45
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).100
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.70
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+84.5%upside
Target: $10.00
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ENTRY ZONE$5.37 – $5.47
TARGET (TP)$10.00
STOP LOSS$4.99
RISK/REWARD1:10.7
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.24
52W High$9.24
52W Low$3.45
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $533.36M | $460.08M | $733.70M | $578.15M | $393.43M |
| Gross Profit | $295.20M | $280.67M | $640.66M | $530.48M | $335.06M |
| Gross Margin | 55.3% | 61.0% | 87.3% | 91.8% | 85.2% |
| Operating Income | $-115,177,000 | $-253,653,000 | $-75,286,000 | $62.79M | $-58,094,000 |
| Net Income | $-78,682,000 | $-179,951,000 | $-77,744,000 | $47.41M | $-45,082,000 |
| Net Margin | -14.8% | -39.1% | -10.6% | 8.2% | -11.5% |
| EPS | $-1.95 | $-4.88 | $-2.37 | $1.68 | $-1.65 |
Company Overview
Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
3
50%
Hold / Neutral
3
50%
Sell / Underperform
0%
Analyst Consensus🟡 Mixed
3 Bullish3 Neutral/Bearish
Price Targets
$7
Average Target
↑ 30.2% Upside
Now
$4
Low
$7
Average
$10
High
Based on 9 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 7th 2025 | JP Morgan | Downgrade | Underweight | $6 |
| June 12th 2025 | Stephens | Initiation | Overweight | $10 |
| March 5th 2025 | BTIG Research | Initiation | Buy | $10 |
| March 15th 2024 | JMP Securities | Downgrade | Market Perform | - |
| March 14th 2024 | Jefferies | Downgrade | Hold | $3.5← $9 |
| October 17th 2023 | JP Morgan | Downgrade | Neutral | $8← $7 |
| June 29th 2023 | B. Riley Securities | Initiation | Buy | $9 |
| June 14th 2023 | BTIG Research | Resumed | Buy | $7 |
| March 14th 2023 | Keefe Bruyette | Downgrade | Market Perform | $4← $9 |
| January 6th 2023 | Barclays | Downgrade | Equal Weight | $6← $7 |
Earnings History & Surprises
OPRTBeat Rate
72%
Last 18 quarters
Avg Surprise
+140.0%
EPS vs Estimate
Beats / Misses
13/5
Last 12 quarters
Latest EPS
$0.39
Q4 2025
EPS Surprise History
Q1 24
-10.2%
$-0.54vs$-0.49
Q2 24
+175.0%
$0.09vs$-0.12
Q3 24
+144.4%
$0.08vs$-0.18
Q4 24
-50.0%
$0.02vs$0.04
Q1 25
+308.3%
$0.49vs$0.12
Q2 25
+344.4%
$0.40vs$0.09
Q3 25
+40.9%
$0.31vs$0.22
Q4 25
+50.0%
$0.39vs$0.26
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | May 6, 2026 | — | — | — | — |
Q1 2026 | Feb 11, 2026 | $0.28 | — | — | — |
Q4 2025 | Nov 4, 2025 | $0.26 | $0.39 | +50.0% | ✓ BEAT |
Q3 2025 | Aug 6, 2025 | $0.22 | $0.31 | +40.9% | ✓ BEAT |
Q2 2025 | May 8, 2025 | $0.09 | $0.40 | +344.4% | ✓ BEAT |
Q1 2025 | Feb 12, 2025 | $0.12 | $0.49 | +308.3% | ✓ BEAT |
Q4 2024 | Nov 12, 2024 | $0.04 | $0.02 | -50.0% | ✗ MISS |
Q3 2024 | Aug 8, 2024 | $-0.18 | $0.08 | +144.4% | ✓ BEAT |
Q2 2024 | May 9, 2024 | $-0.12 | $0.09 | +175.0% | ✓ BEAT |
Q1 2024 | Mar 12, 2024 | $-0.49 | $-0.54 | -10.2% | ✗ MISS |
Q4 2023 | Nov 6, 2023 | $0.28 | $-0.46 | -264.3% | ✗ MISS |
Q3 2023 | Aug 8, 2023 | $-0.21 | $0.06 | +128.6% | ✓ BEAT |
Q2 2023 | May 8, 2023 | $-1.63 | $-2.60 | -59.5% | ✗ MISS |
Q1 2023 | Mar 13, 2023 | $0.18 | $0.14 | -22.2% | ✗ MISS |
Q4 2022 | Nov 7, 2022 | $-0.12 | $0.25 | +308.3% | ✓ BEAT |
Q3 2022 | Aug 8, 2022 | $0.07 | $0.11 | +57.1% | ✓ BEAT |
Q2 2022 | May 9, 2022 | $0.59 | $1.58 | +167.8% | ✓ BEAT |
Q1 2022 | Feb 24, 2022 | $0.71 | $0.82 | +15.5% | ✓ BEAT |
Q4 2021 | Nov 3, 2021 | $0.44 | $0.78 | +77.3% | ✓ BEAT |
Q3 2021 | Aug 5, 2021 | $0.05 | $0.56 | +1108.7% | ✓ BEAT |
Latest News
JP Morgan Maintains Underweight on Oportun Financial, Lowers Price Target to $5.5
📉 NegativeBenzinga•Dec 4, 2025, 05:43 PM
Oportun Financial Non-GAAP EPS of $0.39 beats by $0.12, revenue of $239M beats by $0.49M
📈 PositiveSeeking Alpha•Nov 4, 2025, 10:24 PM
Oportun Financial shares are trading higher after the company reported Q3 results above estimates and raised its FY2025 adjusted EPS outlook.
📈 PositiveBenzinga•Nov 4, 2025, 10:00 PM
Oportun Financial Sees Q4 Sales $241.000M-$246.000M vs $241.602M Est
➖ NeutralBenzinga•Nov 4, 2025, 09:24 PM
Oportun Financial Raises FY2025 Adj EPS Guidance from $1.20-$1.40 to $1.30-$1.40 vs $1.29 Est; Narrows FY2025 Sales Guidance from $945M-$960M to $950M-$955M vs $950.377M Est
📈 PositiveBenzinga•Nov 4, 2025, 09:23 PM
Oportun Financial Q3 2025 Adj. EPS $0.39 Beats $0.27 Estimate, Sales $238.700M Beat $238.525M Estimate
📈 PositiveBenzinga•Nov 4, 2025, 09:06 PM
Frequently Asked Questions about OPRT
What is OPRT's current stock price?
Oportun Financial Corporation (OPRT) is currently trading at $5.42 per share. The stock has moved -0.55% today.
What is the analyst price target for OPRT?
The average analyst price target for OPRT is $10.00, based on 1 analyst.
What sector is Oportun Financial Corporation in?
Oportun Financial Corporation operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NASDAQ exchange.
What is OPRT's market cap?
Oportun Financial Corporation has a market capitalization of $0.24 billion, making it a small-cap company.
Does OPRT pay dividends?
No, Oportun Financial Corporation does not currently pay a dividend to shareholders.
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