OPRT

Oportun Financial Corp

11.62

Nov 09 • 3:59 PM ET +0.31 (2.74%)

11.62

Aftermarket • 7:30 PM ET 0.00 (0.00%)

Financial Credit Services USA Small NASD

Peers: RM WRLD OMF OPFI ENVA UPST ATLC HAPN CPSS PGY

| Held by: IWM AVUV VTI DFSV DFAT IWN VXF DFAS BSVO FDM

Scroll to Statements

Index	RUT
Market Cap	535.44M
Enterprise Value	-
Income	37.21M
Sales	956.07M
Book/sh	9.41
Cash/sh	-
Dividend Est.	-
Dividend TTM	-
Dividend Ex-Date	-
Dividend Gr. 3/5Y	- -
Payout	0.00%
Employees	2405
IPO	Sep 26, 2019

P/E	15.67
Forward P/E	5.59
PEG	0.27
P/S	0.56
P/B	1.24
P/C	-
P/FCF	1.23
EV/EBITDA	-
EV/Sales	-
Quick Ratio	-
Current Ratio	4.45
Debt/Eq	6.26
LT Debt/Eq	6.26
Option/Short	Yes / Yes

EPS (ttm)	0.74
EPS next Y	2.08
EPS next Q	0.52
EPS this Y	22.24%
EPS next Y	25.11%
EPS next 5Y	20.84%
EPS past 3/5Y	- -
Sales past 3/5Y	0.14% 10.39%
EPS Y/Y TTM	13.72%
Sales Y/Y TTM	-0.40%
EPS Q/Q	318.03%
Sales Q/Q	3.18%
Earnings	Nov 03 AMC
EPS/Sales Surpr.	10.87% 3.55%

Insider Own	8.63%
Insider Trans	-0.18%
Inst Own	86.06%
Inst Trans	-1.46%
ROA	1.16%
ROE	9.11%
ROIC	1.18%
Gross Margin	-
Oper. Margin	6.32%
Profit Margin	3.89%
SMA20	17.28%
SMA50	31.58%
SMA200	81.68%
Trades

Shs Outstand	46.08M
Shs Float	42.10M
Short Float	3.82%
Short Ratio	2.56
Short Interest	1.61M
52W High	13.34 -12.86%
52W Low	4.03 188.34%
Volatility	8.98% 5.12%
ATR (14)	0.65
RSI (14)	66.49
Beta	1.23
Rel Volume	1.05
Avg Volume	626.72K
Volume	657,526

Perf Week	17.14%
Perf Month	30.27%
Perf Quarter	52.89%
Perf Half Y	112.43%
Perf YTD	119.66%
Perf Year	145.41%
Perf 3Y	345.21%
Perf 5Y	-56.53%
Perf 10Y	-
Recom	2.00
Target Price	13.50
Prev Close	11.31
Price	11.62
Change %	2.74%

Consensus

Buy

Avg. Price Target

$13.50

Implied Upside

+16.2%

Analysts9incl. previous ratings

Rating Distribution4 Buy · 5 Hold · 0 Sell

Date	Action	Analyst	Rating Change	Price Target Change	Implied Upside
Jan 12, 2026	Upgrade	JJP Morgan	Underweight → Neutral	$5.50	-52.7%
Oct 07, 2025	Downgrade	JJP Morgan	Neutral → Underweight	$6	-48.4%
Jun 12, 2025	Initiated	SStephens	Overweight	$10	-13.9%
Mar 05, 2025	Initiated	BBTIG Research	Buy	$10	-13.9%
Mar 15, 2024	Downgrade	JJMP Securities	Mkt Outperform → Mkt Perform
Mar 14, 2024	Downgrade	JJefferies	Buy → Hold	$9 → $3.50	-69.9%
Oct 17, 2023	Downgrade	JJP Morgan	Overweight → Neutral	$7 → $8	-31.2%
Jun 29, 2023	Initiated	RB. Riley Securities	Buy	$9	-22.5%
Jun 14, 2023	Resumed	BBTIG Research	Buy	$7	-39.8%
Mar 14, 2023	Downgrade	KKeefe Bruyette	Outperform → Mkt Perform	$9 → $4	-65.6%
Jan 06, 2023	Downgrade	BBarclays	Overweight → Equal Weight	$7 → $6	-48.4%
Mar 14, 2022	Initiated	LLoop Capital	Buy	$24	+106.5%
Jan 19, 2022	Upgrade	JJP Morgan	Neutral → Overweight	$27 → $23	+97.9%
Jan 17, 2020	Downgrade	JJP Morgan	Overweight → Neutral	$24.50	+110.8%

Nov-03-26 07:43PM	Oportun Returns To Revenue Growth And Raises Its Outlook, But A 47% Run-Up Raises The Bar (Earnings Whispers) +29.58%
04:05PM	Oportun Returns to Revenue Growth and Raises Full-Year Outlook (GlobeNewswire)
Oct-26-26 10:37PM	Oportun's Four-Year-Low Charge-Off Target Faces Its Test As Shares Press Record Range (Earnings Whispers)
Oct-20-26 04:05PM	Oportun to Report Third Quarter 2026 Financial Results Tuesday, November 3, 2026 (GlobeNewswire)
Sep-22-26 04:07PM	Oportun to Present at Sidoti September Virtual Investor Conference (GlobeNewswire)
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Sep-21-26 04:07PM	Oportun Appoints Bernardo Martinez as Chief Retail and Sales Officer and Garrett Hope as Chief Product Officer (GlobeNewswire)
Sep-11-26 04:10PM	Oportun Reports Inducement Grants under Nasdaq Listing Rule 5635(c)(4) (GlobeNewswire)
Sep-08-26 07:50AM	Oportun Names Bill Franklin as Chief Financial Officer (GlobeNewswire)
Aug-13-26 04:20PM	Oportun Appoints Scott Scheirman to its Board of Directors (GlobeNewswire)
Aug-06-26 01:02AM	Oportun Financial Corp (OPRT) (Q2 2026) Earnings Call Highlights: Strong Profitability and ... (GuruFocus.com) +32.84%
Aug-05-26 04:14PM	Oportun Outperforms Second Quarter Guidance (GlobeNewswire)
Jul-27-26 12:58PM	Oportun Launches New Set & Save Smart Bills Feature to Help Members Stay Ahead of Recurring Expenses (GlobeNewswire)
Jul-24-26 07:15PM	Oportun Named to the CNBC World's Top Fintech Companies 2026 List for Third Consecutive Year (GlobeNewswire) +5.47%
Jul-22-26 04:42PM	Oportun to Report Second Quarter 2026 Financial Results Wednesday, August 5, 2026 (GlobeNewswire) -5.19%
Jul-09-26 04:08PM	Oportun and Column Announce New Lending Partnership to Expand Access to Responsible Credit (GlobeNewswire) +6.75%
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Jun-23-26 07:00PM	Oportun Awards College Scholarships to 30 Students as Part of 2026 Oportun Scholarship Program (GlobeNewswire)
Jun-16-26 04:05PM	Oportun Appoints Sean Rowles as Chief Risk Officer (GlobeNewswire)
Jun-15-26 07:15PM	Oportun Named a San Francisco Bay Area Top Workplace for 2026 by Axios (GlobeNewswire)
Jun-11-26 04:05PM	Oportun Reports Inducement Grants under Nasdaq Listing Rule 5635(c)(4) (GlobeNewswire)
Jun-10-26 04:10PM	Oportun to Present at Sidoti June Virtual Investor Conference (GlobeNewswire)
May-07-26 04:05PM	Oportun Reports First Quarter 2026 Results; Extends GAAP Profitability Streak (GlobeNewswire)
May-01-26 08:15AM	Oportun Named to USA Today's America's Best Customer Service in Financial Services List 2026 (GlobeNewswire) -5.91%
Apr-23-26 04:05PM	Oportun to Report First Quarter 2026 Financial Results on Thursday, May 7, 2026 (GlobeNewswire)
Apr-16-26 05:37PM	Oportun Appoints Doug Bland as Chief Executive Officer to Lead Next Phase of Growth and Profitability (GlobeNewswire) +10.11%
Apr-07-26 08:00AM	Oportun Celebrates "20 Years, One Mission" of Empowering Members to Build a Better Financial Future (GlobeNewswire)
Apr-02-26 07:15AM	Oportun Provides Updates on Leadership Transition (GlobeNewswire)
Mar-16-26 08:00AM	Concerned Shareholders of Oportun Financial Corporation Call for Board Member Ginny Lee to Resign Immediately (Business Wire)
Mar-12-26 07:00PM	Oportun to Present at Sidoti March Virtual Investor Conference (GlobeNewswire) -6.99%
Feb-27-26 01:12AM	Oportun Financial Q4 Earnings Call Highlights (MarketBeat) -5.13%
12:02AM	Oportun Financial Corp (OPRT) Q4 2025 Earnings Call Highlights: Strong Profitability Amid ... (GuruFocus.com)
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Feb-26-26 07:40PM	Oportun Financial Corporation (OPRT) Q4 Earnings and Revenues Beat Estimates (Zacks)
04:05PM	Oportun Delivers Strong Fourth Quarter, Increases Net Income by $104 Million in Full Year 2025 (GlobeNewswire)
Feb-18-26 05:35PM	Blue Owl Capital Corporation (OBDC) Tops Q4 Earnings and Revenue Estimates (Zacks)
Feb-12-26 04:10PM	Oportun to Report Fourth Quarter 2025 Financial Results on Thursday, February 26, 2026 (GlobeNewswire) -8.89%
Feb-09-26 06:11PM	Oportun Strengthens Debt Capital Structure With $485 Million Asset Backed Securitization and Corporate Debt Repayments (GlobeNewswire)
Feb-05-26 10:00AM	Earnings Preview: Coinbase Global, Inc. (COIN) Q4 Earnings Expected to Decline (Zacks)
Feb-04-26 10:00AM	Earnings Preview: Oportun Financial Corporation (OPRT) Q4 Earnings Expected to Decline (Zacks)
Feb-03-26 08:00AM	PJT Partners (PJT) Q4 Earnings Surpass Estimates (Zacks)
Jan-21-26 04:05PM	Oportun Announces CEO Succession Plan (GlobeNewswire) +25.00%
Dec-08-25 04:14PM	Oportun to Present at Sidoti December Virtual Investor Conference (GlobeNewswire)
Nov-19-25 03:40PM	MULTIMEDIA UPDATE - Holiday Savings Surge: Oportun Reports $6.5 Million Saved for 2025, Up 30% From 2024 (GlobeNewswire)
12:12PM	Holiday Savings Surge: Oportun Reports $6.5 Million Saved for 2025, Up 30% From 2024 (GlobeNewswire)
Nov-05-25 12:10AM	Oportun Financial Corp (OPRT) Q3 2025 Earnings Call Highlights: Navigating Profitability Amidst ... (GuruFocus.com)
Nov-04-25 06:35PM	Oportun Financial Corporation (OPRT) Q3 Earnings Surpass Estimates (Zacks)
04:05PM	Oportun Delivers Fourth Consecutive Quarter of GAAP Profitability, Increases Full-Year 2025 Adjusted EPS Guidance (GlobeNewswire)
09:45AM	Oportun Set to Report Q3 Earnings: What's in the Cards? (Zacks)
Nov-03-25 08:06AM	Oportun Financial Corp (OPRT) Q3 2025: Everything You Need To Know Ahead Of Earnings (GuruFocus.com)
Oct-29-25 10:00AM	Analysts Estimate Blue Owl Capital Corporation (OBDC) to Report a Decline in Earnings: What to Look Out for (Zacks)
Oct-28-25 10:06AM	Oportun Financial Corporation (OPRT) Enhances Debt Capital Structure with $247M Warehouse Facility (Insider Monkey)
10:00AM	Oportun Financial Corporation (OPRT) Earnings Expected to Grow: What to Know Ahead of Next Week's Release (Zacks)
Oct-21-25 04:10PM	Oportun to Report Third Quarter 2025 Financial Results on Tuesday, November 4, 2025 (GlobeNewswire)
Oct-20-25 08:00AM	Oportun Completes $441 Million Asset Backed Securitization (GlobeNewswire)
Oct-15-25 05:25PM	Triumph Financial (TFIN) Q3 Earnings Beat Estimates (Zacks) -5.07%
Oct-14-25 04:10PM	Oportun Adds Additional Warehouse Capacity, Reduces Warehouse Financing Costs and Pays Down Additional Higher Cost Corporate Debt (GlobeNewswire)
Oct-01-25 09:55AM	Oportun Financial (OPRT) Could Find a Support Soon, Here's Why You Should Buy the Stock Now (Zacks)
Sep-16-25 11:20AM	Sidoti Events, LLC's Virtual September Small-Cap Conference (ACCESSWIRE)
09:15AM	Atlanticus Holdings Corporation (ATLC) Hit a 52 Week High, Can the Run Continue? (Zacks)
Sep-15-25 04:10PM	Oportun to Present at Sidoti September Virtual Investor Conference (GlobeNewswire)
Sep-10-25 08:07AM	Pathward and Oportun Extend Lending Partnership (Business Wire)
Sep-04-25 07:00PM	Oportun Awards College Scholarships to Winners of 2025 Oportun Scholarship Program (GlobeNewswire)
Aug-27-25 12:20PM	Can Oportun Financial (OPRT) Run Higher on Rising Earnings Estimates? (Zacks)
Aug-26-25 09:55AM	Does Oportun Financial (OPRT) Have the Potential to Rally 43.93% as Wall Street Analysts Expect? (Zacks)
Aug-21-25 04:10PM	Oportun Completes $538 Million Asset Backed Securitization (GlobeNewswire)
Aug-07-25 01:30PM	Oportun Financial (OPRT) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates (Zacks) -7.26%
Aug-06-25 06:20PM	Oportun Financial Corporation (OPRT) Tops Q2 Earnings Estimates (Zacks)
04:05PM	Oportun Achieves Third Straight Quarter of GAAP Profitability and Raises Full-Year 2025 Outlook (GlobeNewswire)
Aug-05-25 10:23AM	Earnings To Watch: Oportun Financial Corp (OPRT) Reports Q2 2025 Result (GuruFocus.com)
Jul-31-25 10:00AM	Analysts Estimate HA Sustainable Infrastructure Capital (HASI) to Report a Decline in Earnings: What to Look Out for (Zacks)
Jul-30-25 10:00AM	Oportun Financial Corporation (OPRT) Earnings Expected to Grow: Should You Buy? (Zacks)
Jul-23-25 04:15PM	Oportun to Report Second Quarter 2025 Financial Results on Wednesday, August 6, 2025 (GlobeNewswire)
Jul-22-25 08:58AM	Best Value Stocks to Buy for July 22nd (Zacks)
Jul-16-25 10:00AM	Oportun Named to the CNBC World's Top Fintech Companies 2025 List (GlobeNewswire)
Jul-14-25 09:20AM	Oportun Enters Cooperation Agreement with Findell Capital (GlobeNewswire)
Jul-09-25 08:00AM	Oportun Issues Letter Urging Stockholders to Vote for Director Nominees Raul Vazquez and Carlos Minetti (GlobeNewswire)
Jul-08-25 08:20AM	Strength Seen in Oportun Financial (OPRT): Can Its 8.6% Jump Turn into More Strength? (Zacks) -7.54%
Jul-07-25 09:31AM	Oportun Board of Directors Reiterates Importance of CEO Raul Vazquez's Continued Stewardship on the Board (GlobeNewswire) +8.62%
08:07AM	Findell Reports ISS Recommends Oportun Stockholders Vote FOR Findell Nominee Warren Wilcox and WITHHOLD on Long-Tenured CEO Raul Vazquez at Annual Meeting (PR Newswire)
Jul-01-25 08:00AM	Oportun Responds to Comments by Findell Capital (GlobeNewswire) -5.87%
Jun-30-25 04:12PM	Findell Capital Reiterates Desire for Compromise at Oportun Financial and Issues Statement on Behalf of Scott Parker (PR Newswire)
10:47AM	Oportun vs. Enova: Which Fintech Lender is the Better Pick Right Now? (Zacks)
Jun-23-25 04:43PM	Findell Capital Issues Rebuttal Presentation on Oportun Financial and Notes Support of Oportun Founder and Former CEO James Gutierrez (PR Newswire)
08:00AM	Oportun Issues Letter to Stockholders Detailing CEO Raul Vazquez's Record of Proven Leadership (GlobeNewswire)
Jun-19-25 09:43AM	Oportun Harnesses Advanced Technology: Could This Be a Turning Point? (Zacks)
Jun-18-25 04:15PM	Oportun Releases Investor Presentation Highlighting Strategic Progress (GlobeNewswire)
Jun-17-25 08:07AM	Findell Capital Reiterates Commitment to Reaching a Good Faith Settlement at Oportun Financial (PR Newswire) -7.24%
Jun-16-25 04:37PM	Findell Capital Releases Presentation on Oportun Financial (PR Newswire) +7.49%
Jun-13-25 11:23AM	Oportun Surges 80.7% YTD: Is It Too Late to Buy OPRT Stock? (Zacks)
08:06AM	Findell Capital Provides Facts in Response to Oportun's Misleading Narrative (PR Newswire)
Jun-12-25 08:00AM	Oportun Lead Independent Director Neil Williams Issues Letter to Stockholders (GlobeNewswire) -5.27%
Jun-10-25 07:30AM	Sidoti Events, LLC's Virtual June Small-Cap Conference (ACCESSWIRE)
Jun-09-25 04:08PM	Oportun to Present at Sidoti June Virtual Investor Conference (GlobeNewswire)
Jun-05-25 04:05PM	Oportun Completes $439 Million Asset Backed Securitization (GlobeNewswire) +5.61% +6.68%
08:07AM	Findell Capital Management Spotlights Why Ginny Lee Should Not be Appointed Oportun's Next Lead Independent Director (PR Newswire)
Jun-03-25 04:08PM	FINDELL CAPITAL MANAGEMENT URGES OPORTUN STOCKHOLDERS TO VOTE THE WHITE PROXY CARD TO ELECT AN INDEPENDENT CONSUMER FINANCIAL SERVICES EXPERT TO THE BOARD (PR Newswire) +6.04% -6.45%
Jun-02-25 08:00AM	Oportun Issues Letter to Stockholders and Mails Definitive Proxy Materials (GlobeNewswire) -5.41%
May-22-25 09:26AM	Why Synchrony's Partnership Extension With Discount Tire is Important (Zacks)
May-21-25 03:31PM	Singular Research Reports on Oportun Financials' Q1 2025 Results (Newsfile) -6.50%
May-20-25 09:55AM	Wall Street Analysts Predict a 31.01% Upside in Oportun Financial (OPRT): Here's What You Should Know (Zacks)
May-12-25 01:10PM	Oportun Named a Bay Area Top Workplace for 2025 (GlobeNewswire)
May-09-25 02:00PM	Compared to Estimates, Oportun Financial (OPRT) Q1 Earnings: A Look at Key Metrics (Zacks) +9.11%

Show Previous News

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	#Shares Total	SEC Form 4
Schueller Joseph Andrew	SVP-Controller, CAO	Sep 10 '26	Sale	7.80	2,831	22,082	71,149	Sep 14 06:11 PM
Schueller Joseph Andrew	SVP-Controller, CAO	Sep 11 '26	Sale	7.80	28	218	71,121	Sep 14 06:11 PM
Layton Kathleen I.	Chief Legal Officer	Sep 10 '26	Sale	7.80	4,223	32,939	292,006	Sep 14 06:10 PM
Schueller Joseph Andrew	Officer	Sep 10 '26	Proposed Sale	7.80	2,831	22,075		Sep 10 04:01 PM
Layton Kathleen I.	Officer	Sep 10 '26	Proposed Sale	7.80	4,223	32,927		Sep 10 04:00 PM
Kirscht Patrick	Officer	Aug 12 '26	Proposed Sale	7.51	25,000	187,687		Aug 12 05:19 PM
Kirscht Patrick	Chief Credit Officer	Mar 10 '26	Sale	4.90	54,299	266,065	439,618	Mar 12 06:09 PM
Layton Kathleen I.	Chief Legal Officer	Mar 10 '26	Sale	4.90	19,355	94,840	225,872	Mar 12 05:25 PM
Layton Kathleen I.	Officer	Mar 10 '26	Proposed Sale	4.89	19,355	94,741		Mar 10 04:03 PM
Kirscht Patrick	Officer	Mar 10 '26	Proposed Sale	4.90	54,299	265,800		Mar 10 04:03 PM

Oportun Financial Corp. is a mission-driven financial services company, which engages in the financial goals within reach with intelligent borrowing, savings, and budgeting capabilities, empowers members with the confidence to build a better financial future. Its products include personal loans, secured personal loans, credit cards, savings, direct, and investment and retirement. The company was founded in August 2005 and is headquartered in San Mateo, CA.

Chief Legal Officer & Corporate SecretaryMs. Kathleen I. Layton

CEO & DirectorMr. Douglas Bland

Chief Financial OfficerMr. Bill Franklin

Senior VP of FinanceMr. Joseph A. Schueller

Chief Technology OfficerMr. Deepak Rao

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OPRT

Oportun Financial Corp

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