Oportun Financial (4L0) Price & Analysis
4L0 Stock Chart & Stats
- Day’s Range
- EUR 8.15 - EUR 8.15
- 52-Week Range
- EUR 3.54 - EUR 8.15
- Previous Close
- EUR 8.15
- Volume
- 0
- Average Volume (3M)
- 19
- Market Cap
- EUR 405.88M
- Enterprise Value
- EUR 2.73B
- Total Cash (Recent Filing)
- EUR 139.60M
- Total Debt (Recent Filing)
- EUR 2.66B
- Price to Earnings (P/E)
- 24.7
- Beta
- 1.20
- Next Earnings
- Nov 03, 2026
- EPS Estimate
- 0.41
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Cash Generation
Strong operating and free cash flow gives Oportun internal funding capacity and indicates reported earnings are translating into cash rather than relying solely on accounting gains. That supports debt reduction, liquidity resilience, and continued investment in credit and servicing capabilities over the next several quarters.
Profitability And Credit Recovery
Improving credit performance and sustained profitability can reinforce the economics of Oportun’s lending model by reducing losses on originated loans. The combination of lower charge-offs, multi-year-low delinquencies, and EBITDA growth provides a stronger base for disciplined expansion and balance-sheet repair.
Improving Portfolio Mix
Returning-member concentration and rising secured-loan adoption suggest Oportun is deepening relationships with known borrowers while improving portfolio mix. That can support more targeted underwriting and repeat origination economics, helping growth remain disciplined as the company manages credit risk.
Bears Say
Historical Leverage
Historically high debt-to-equity levels and a limited equity cushion make results sensitive to funding conditions and credit deterioration. Even with recent improvement, this capital structure can constrain flexibility, increase refinancing exposure, and amplify losses if portfolio performance weakens.
Thin And Volatile Margins
TTM net and EBIT margins remain thin at about 2.5% and 3.2%, while the company moved from deep losses to modest profits in a short period. That volatility suggests earnings remain highly exposed to credit outcomes, fair-value movements, and funding economics.
Constrained Topline Growth
Management’s outlook calls for only mid-single-digit originations growth and a 1–2% decline in average daily principal balance, alongside essentially flat operating expenses. This restrained scale trajectory limits near-term revenue compounding and leaves profitability dependent on credit and cost execution.
Oportun Financial News
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Oportun Financial Stock Smart Score
Company Description
Oportun Financial
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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Doug Bland
- Employees
- 2,405
- Website
- www.oportun.com
- Address
- 1825 South Grant Street, San Carlos, CA, 94402, US
Oportun Financial (4L0) Earnings & Revenues
4L0 Company Deck
4L0 Earnings Call
Earnings Call SentimentPositive
The call communicated a clear positive trajectory: Oportun exceeded guidance, delivered strong adjusted EBITDA and EPS growth, materially improved credit metrics and strengthened liquidity and leverage. Management emphasized disciplined, data‑driven and deliberate growth—prioritizing returning members, secured lending, risk‑based pricing and balance sheet optimization. Headwinds include fair‑value volatility (net decrease in fair value and mark‑to‑market impacts), modest topline growth, reliance on a near‑term noncash interest benefit, and continued macro uncertainty that constrains aggressive new member expansion. On balance, operational and financial improvements outweigh the challenges and near‑term cautions.
View all DE:4L0 earnings summaries4L0 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 4 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |