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Oportun Financial
(NASDAQ:OPRT)
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Rating:71Outperform
Price Target:
$10.00
▲(33.69% Upside)
Action:Reiterated
Date:09/12/26
OPRT scores well on improving fundamentals and strong cash flow, reinforced by a constructive technical uptrend and a positive earnings-call outlook centered on better credit performance and raised profitability guidance. The score is held back by historically high leverage and fair-value volatility risks, while valuation appears only neutral with no dividend support.
Positive Factors
Strong Cash Generation
Cash generation closely tracking earnings supports the quality of reported profitability and gives Oportun greater flexibility to repay debt, fund lending activity, and absorb portfolio volatility. This strengthens financial resilience over the next several quarters, although historical cash coverage has varied.
Negative Factors
Historically High Leverage
Oportun’s historically debt-reliant capital structure leaves a relatively small equity buffer if credit losses rise or funding conditions weaken. Although leverage has improved, refinancing and balance-sheet sensitivity remain material constraints on growth and could amplify earnings volatility during a downturn.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Cash Generation
Cash generation closely tracking earnings supports the quality of reported profitability and gives Oportun greater flexibility to repay debt, fund lending activity, and absorb portfolio volatility. This strengthens financial resilience over the next several quarters, although historical cash coverage has varied.
Read all positive factors
Oportun Financial Key Performance Indicators (KPIs)
Any
Aggregate Originations
Dollar volume of new loans originated over a period, reflecting demand and the company’s growth momentum. Rising originations signal revenue potential but can foreshadow credit stress if underwriting loosens to chase volume.
Dollar volume of new loans originated over a period, reflecting demand and the company’s growth momentum. Rising originations signal revenue potential but can foreshadow credit stress if underwriting loosens to chase volume.
Data provided by:
The Fly
The FlyOportun Financial (OPRT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$430.90M
Dividend YieldN/A
Average Volume (3M)732.21K
Price to Earnings (P/E)23.4
Beta (1Y)2.23
Revenue Growth-2.34%
EPS GrowthN/A
CountryUS
Employees2,405
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.40
Shares Outstanding45,987,250
10 Day Avg. Volume643,992
30 Day Avg. Volume732,208
Financial Highlights & Ratios
PEG Ratio-0.08
Price to Book (P/B)0.65
Price to Sales (P/S)0.40
P/FCF Ratio0.65
Enterprise Value/Market Cap6.34
Enterprise Value/Revenue3.98
Enterprise Value/Gross Profit5.67
Enterprise Value/Ebitda35.27
Forecast
1Y Price Target
$8.67Price Target Upside15.86% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.59
Revenue Forecast (FY)$945.15M
Oportun Financial Business Overview & Revenue Model
Company Description
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, ...
How the Company Makes Money
Oportun primarily makes money by originating consumer loans and earning returns from those loans over time. Its key revenue and earnings drivers generally include: (1) Interest income from loans: The largest component is typically interest charged...
Oportun Financial Earnings Call Summary
Earnings Call Date:Aug 05, 2026
(Q2-2026)
| % Change Since: |
Next Earnings Date:Nov 03, 2026
Earnings Call Sentiment Positive
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.Positive Updates
Revenue Slightly Above Guidance; Stable Year‑over‑Year
Total revenue of $233 million, $1 million above the high end of guidance and down less than 0.5% year‑over‑year; net revenue of $106 million, up $1 million year‑over‑year as lower interest expense offset fair value impacts.
Negative Updates
Fair Value Headwinds and Charge‑off Impact
Net decrease in fair value of $86 million in Q2 (majority $79 million was net charge‑offs) and an unfavorable ~$5.6 million mark on the loan portfolio; fair value headwinds partially offset benefits from lower interest expense and pressure full‑year GAAP results.
Read all updates
Q2-2026 Updates
Positive
Negative
Revenue Slightly Above Guidance; Stable Year‑over‑Year
Total revenue of $233 million, $1 million above the high end of guidance and down less than 0.5% year‑over‑year; net revenue of $106 million, up $1 million year‑over‑year as lower interest expense offset fair value impacts.
Read all positive updates
Company Guidance
Management guided Q3 to total revenue of $235–240M, annualized net charge-offs of 11.0% ±15 bps (midpoint 11.0%, which would be a four‑year low and implies ~100 bps sequential improvement and ~80 bps YoY improvement), and adjusted EBITDA of $43–48M (midpoint $46M), noting the Q3 EBITDA midpoint approaches Q2’s $49M while reflecting additional marketing and ~10% YoY EBITDA growth; for full‑year 2026 they updated guidance to total revenue $935–955M (midpoint $945M), annualized net charge-offs 11.7% ±30 bps (20 bps better than prior guidance), adjusted EBITDA $160–175M (midpoint $168M, +$10M at midpoint, ~13% growth), adjusted net income $74–82M, adjusted EPS $1.50–1.65, and assumptions that originations will grow mid‑single digits, average daily principal balance will decline 1–2%, operating expenses will be substantially flat, interest expense will decline at least 15% (vs prior 10% expectation) aided by a ~$7M Q2 noncash benefit and roughly $3M additional H2 noncash benefit, and the company expects to approach ~6x leverage by year‑end.Oportun Financial Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
52
Neutral
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 686.02M | 637.34M | 533.36M | 460.08M | 733.70M | 578.15M |
| Gross Profit | 481.56M | 405.84M | 295.20M | 280.67M | 640.66M | 530.48M |
| EBITDA | 77.46M | 85.49M | -64.02M | -198.77M | -27.75M | 89.90M |
| Net Income | 19.50M | 25.25M | -78.68M | -179.95M | -77.74M | 47.41M |
Balance Sheet | ||||||
| Total Assets | 3.13B | 3.26B | 3.23B | 3.41B | 3.61B | 2.95B |
| Cash, Cash Equivalents and Short-Term Investments | 139.60M | 105.50M | 59.97M | 91.19M | 98.82M | 130.96M |
| Total Debt | 2.66B | 2.81B | 2.82B | 3.23B | 3.28B | 2.60B |
| Total Liabilities | 2.72B | 2.87B | 2.87B | 3.01B | 3.07B | 2.34B |
| Stockholders Equity | 407.10M | 390.10M | 353.81M | 404.40M | 547.60M | 603.88M |
Cash Flow | ||||||
| Free Cash Flow | 408.61M | 389.08M | 374.33M | 361.50M | 198.98M | 136.97M |
| Operating Cash Flow | 420.94M | 413.40M | 393.52M | 392.76M | 247.88M | 163.45M |
| Investing Cash Flow | -303.93M | -369.70M | -193.69M | -286.18M | -1.17B | -884.79M |
| Financing Cash Flow | -132.78M | -59.40M | -191.22M | -104.39M | 934.53M | 745.71M |
Oportun Financial Technical Analysis
Positive
7.48
Price Trends
8.19
Positive
7.03
Positive
6.12
Positive
Market Momentum
0.34
Negative
64.36
Neutral
80.00
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPRT, the sentiment is Positive. The current price of 7.48 is below the 20-day moving average (MA) of 8.81, below the 50-day MA of 8.19, and above the 200-day MA of 6.12, indicating a bullish trend. The MACD of 0.34 indicates Negative momentum. The RSI at 64.36 is Neutral, neither overbought nor oversold. The STOCH value of 80.00 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for OPRT.
Oportun Financial Risk Analysis
Oportun Financial disclosed 68 risk factors in its most recent earnings report. Oportun Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Oportun Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $430.90M | 23.43 | 4.95% | ― | -2.34% | ― | |
71 Outperform | $258.30M | 8.04 | 8.86% | 4.62% | 5.42% | -24.04% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $203.72M | 8.53 | 7.48% | ― | 13.41% | 21.23% | |
63 Neutral | $300.21M | 6.53 | 12.49% | 3.69% | 9.63% | 40.75% | |
44 Neutral | $50.19M | -0.22 | -16.95% | 29.74% | -27.36% | -220.29% |
* Financial Sector Average
OPRT
Oportun Financial
9.37
3.81
68.53%
CPSS
Consumer Portfolio Services
9.30
1.49
19.08%
MFIN
Medallion Financial
11.25
1.88
20.01%
RM
Regional Management
32.54
-5.94
-15.43%
YRD
Yiren Digital
0.57
-5.45
-90.47%
Oportun Financial Corporate Events
Business Operations and StrategyExecutive/Board Changes
Oportun Financial Appoints New Chief Financial Officer
Positive
Sep 11, 2026
On September 5, 2026, Oportun’s board appointed William “Bill” Franklin as Chief Financial Officer and principal financial officer, with his employment becoming effective on September 8, 2026. The company simultaneously confirmed...
Business Operations and StrategyExecutive/Board Changes
Oportun Financial updates executive severance and control policy
Neutral
Aug 25, 2026
On August 19, 2026, Oportun Financial’s Compensation and Leadership Committee approved an Amended and Restated Executive Severance and Change in Control Policy, updating a framework first adopted in November 2018 for the chief executive offi...
Business Operations and StrategyExecutive/Board ChangesShareholder Meetings
Oportun Financial Adds Independent Director to Strengthen Governance
Positive
Aug 14, 2026
On August 11, 2026, Oportun Financial expanded its Board of Directors from seven to eight members and appointed veteran financial executive Scott Scheirman as an independent Class I director, with his term running until the 2027 annual meeting. Sc...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.