Oportun Financial Corporation (OPRT) AI Stock Analysis

Oportun Financial Corporation is a provider of financial services specializing in personal loans, auto loans, and credit cards. Founded in 2005 and headquartered in San Carlos, California, the company caters to individuals seeking accessible and transparent lending solutions. Oportun focuses on consumers who may have limited credit history or face difficulties accessing traditional financial services. It delivers products through online platforms, phone-based channels, and physical retail locations across 24 states in the United States, aiming to promote financial inclusion and help clients reach their financial goals.

Between FY2020 and FY2025, Oportun produced a 5-year revenue CAGR of 10.1%. Annual revenue reached $733.7M in FY2022 before dropping 37.3% to $460.1M in FY2023, then rebounding 15.9% in FY2024 and 19.5% to $637.3M in FY2025. After recording net income of -$180.0M in FY2023 and -$78.7M in FY2024, the business delivered positive net income of $25.2M in FY2025 with an operating margin of 6.9%. Over the trailing twelve months, revenue was $744.0M with a profit margin of 2.6%. In the latest quarter ended June 30, 2026, quarterly revenue rose 9.4% year-over-year and quarterly earnings grew 21.4%.

As of June 30, 2026, Oportun held $139.6M in cash and short-term investments against total debt of $2.66B, resulting in net debt of $2.52B. Total assets were $3.13B relative to shareholders' equity of $407.1M, yielding a debt-to-equity ratio of 6.54 and a current ratio of 17.70. During FY2025, operating cash flow stood at $413.4M and capital expenditures were $24.3M, leading to free cash flow of $389.1M. Over five years, the company's share count expanded by 57.4%.

At the last close of $9.08 on October 16, 2026, Oportun had a market cap of $417.6M and an enterprise value of $2.94B. The stock trades at a trailing P/E of 22.7x, higher than the 12.1x median of its US-listed Financial Services peers, while its forward P/E of 5.5x sits below the peer median of 10.8x. Its price-to-sales multiple is 0.6x versus the peer median of 3.2x. Over the past year, the stock gained 73.3%, beating the 16.8% return of the S&P 500, though its 5-year return of -64.1% trails the benchmark's 83.0% gain.

Analyst ratings comprise 2 Strong Buy and 2 Hold recommendations. The mean price target is $11.50, representing 26.7% upside relative to the last close of $9.08. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $945.2M and EPS of $1.58. For the following fiscal year, 5 analysts forecast revenue of $994.5M and EPS of $1.95, representing 23.9% earnings growth. Oportun has exceeded EPS expectations in each of the last 4 quarters, with its next earnings release scheduled for November 3, 2026.

This page is an AI-written research summary of Oportun Financial Corporation (OPRT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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