Oportun Financial AI Stock Analysis
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Oportun Financial (OPRT) AI Stock Analysis
Oportun Financial
(NASDAQ:OPRT)
OPRT scores well overall primarily due to strong cash generation and a notably positive earnings outlook (improving profitability and credit performance supported by upbeat guidance). Technicals also add support with strong upward momentum. Offsetting factors are the balance-sheet leverage inconsistency versus prior periods, historical earnings volatility, and only mid-range valuation support with no dividend yield provided.
Oportun Financial Key Performance Indicators (KPIs)
Aggregate OriginationsDollar 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.
After a steep post‑2021 pullback, originations have staged a clear recovery through 2024–25 driven by lower acquisition costs, higher returning‑member share and strong secured‑personal‑loan momentum (management called out SPL growth). That momentum is real but deliberately controlled: guidance targets only mid‑single‑digit originations growth as tighter credit, elevated delinquencies/charge‑offs and a phased risk‑based pricing rollout limit near‑term upside; balance‑sheet and funding improvements make any sustainable reacceleration more likely later in 2026.
The FlyOportun Financial (OPRT) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $536.83M
- Dividend Yield
- ―
- Average Volume (3M)
- 623.59K
- Price to Earnings (P/E)
- 15.7
- Beta (1Y)
- 2.10
- Revenue Growth
- -0.40%
- EPS Growth
- 13.72%
- Country
- US
- Employees
- 2,405
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Financial - Credit Services
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, ove...
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 to...
Oportun Financial Earnings Call Summary
The call was strongly positive, with improved revenue, profitability, credit performance, liquidity, leverage and full-year earnings guidance. Management also outlined a detailed Oportun Forward strategy and reported encouraging early results from risk-based pricing. The principal challenges were macroeconomic pressure on low-income consumers, fair-value headwinds, higher operating expenses and expected seasonal increases in charge-offs, but management stated that credit metrics had not deteriorated and maintained a constructive outlook.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
For the fourth quarter, Oportun expects total revenue in the range of $247 million to $252 million, an annualized net charge-off rate of 11.05%, plus or minus 15 basis points, and adjusted EBITDA in the range of $49 million to $54 million; the 11.05% midpoint is 45 basis points above Q3's 10.6%, would still be 125 basis points lower year-over-year and the best fourth quarter net charge-off rate in 5 years, while the $52 million adjusted EBITDA midpoint represents strong year-over-year growth of 21%. For full year 2026, Oportun continues to expect mid-single-digit originations growth, though now toward the higher end of that range, and a low single-digit increase in expenses, with total revenue of $955 million to $960 million, an annualized net charge-off rate of 11.6%, plus or minus 10 basis points, adjusted EBITDA of $183 million to $188 million, adjusted net income of $80 million to $85 million and adjusted EPS of $1.60 to $1.70.
Oportun Financial Financial Statement Overview
Summary
Financials are improving but still mixed. The income statement has returned to TTM profitability with revenue growth, but margins remain modest and results have been volatile across recent years. Cash flow is a major strength with very strong TTM operating cash flow and free cash flow. The balance sheet is the key concern: reported leverage swings sharply between prior annual periods (very high) and TTM (very low), creating uncertainty that tempers the overall financial score.
Income Statement
64PositiveBalance Sheet
52NeutralCash Flow
86Very Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 692.05M | 637.34M | 533.36M | 460.08M | 733.70M | 578.15M |
| Gross Profit | 503.11M | 405.84M | 295.20M | 280.67M | 640.66M | 530.48M |
| EBITDA | 87.66M | 85.49M | -64.02M | -198.77M | -27.75M | 89.90M |
| Net Income | 37.20M | 25.25M | -78.68M | -179.95M | -77.74M | 47.41M |
Balance Sheet | ||||||
| Total Assets | 3.21B | 3.26B | 3.23B | 3.41B | 3.61B | 2.95B |
| Cash, Cash Equivalents and Short-Term Investments | 181.20M | 105.50M | 59.97M | 91.19M | 98.82M | 130.96M |
| Total Debt | 2.71B | 2.81B | 2.82B | 3.23B | 3.28B | 2.60B |
| Total Liabilities | 2.78B | 2.87B | 2.87B | 3.01B | 3.07B | 2.34B |
| Stockholders Equity | 433.40M | 390.10M | 353.81M | 404.40M | 547.60M | 603.88M |
Cash Flow | ||||||
| Free Cash Flow | 416.05M | 389.08M | 374.33M | 361.50M | 198.98M | 136.97M |
| Operating Cash Flow | 440.80M | 413.40M | 393.52M | 392.76M | 247.88M | 163.45M |
| Investing Cash Flow | -357.20M | -369.70M | -193.69M | -286.18M | -1.17B | -884.79M |
| Financing Cash Flow | -49.20M | -59.40M | -191.22M | -104.39M | 934.53M | 745.71M |
Oportun Financial Technical Analysis
Price Trends
Market Momentum
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 11.65 is above the 20-day moving average (MA) of 10.03, above the 50-day MA of 8.92, and above the 200-day MA of 6.43, indicating a bullish trend. The MACD of 0.82 indicates Negative momentum. The RSI at 66.67 is Neutral, neither overbought nor oversold. The STOCH value of 53.34 is Neutral, 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.
Latest Risks Added
0 New RisksOportun Financial Peers Comparison
Overall Rating
- OPRT77Outperform
MFIN64Neutral
CPSS63Neutral
RM58Neutral
YRD41Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| OPRT | 77Outperform | $536.83M | 15.74 | 9.15% | ― | -0.40% | 13.72% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| MFIN | 64Neutral | $211.30M | 8.05 | 6.65% | 5.73% | 5.81% | -35.16% |
| CPSS | 63Neutral | $219.16M | 9.20 | 7.48% | ― | 13.41% | 21.23% |
| RM | 58Neutral | $309.31M | 6.74 | 12.61% | 3.47% | 8.41% | 20.27% |
| YRD | 41Neutral | $31.13M | -0.14 | -16.95% | 56.12% | -27.36% | -220.29% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| OPRT | Oportun Financial Corp. | 11.65 | 6.83 | 141.70% | |
| CPSS | Consumer Portfolio Services | 10.03 | 1.72 | 20.70% | |
| MFIN | Medallion Financial | 9.42 | 0.02 | 0.19% | |
| RM | Regional Managment | 34.57 | -2.74 | -7.34% | |
| YRD | Yiren Digital Ltd. Sponsored Adr | 0.36 | -4.87 | -93.19% |
Oportun Financial Corporate Events
Oportun Financial Appoints New Chief Financial Officer
PositiveOn 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 that Joseph Schuelle...
Oportun Financial updates executive severance and control policy
NeutralOn 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 officer and d...
Oportun Financial Adds Independent Director to Strengthen Governance
PositiveOn 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. Schei...
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.
Date of analysis: Nov 06, 2026