OPRT

Oportun Financial Corporation

$11.65

0.26%

SectorFinancial ServicesIndustryCredit ServicesCountryUnited States

Overview AI Brief ChartChart & Performance Financials ExposureRevenue Exposure FilingsFilings & Red Flags ScoresScores & Valuation News Analysts InsidersInsiders & Short Interest Ownership

Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.

Source: Yahoo Finance

Market Cap$536.8M

Dividend Yield0.00%

AnalystsBuy-1.3% target

Beta1.65

AI summary

Price & performance

1M+38.4%

3M+91.4%

YTD+129.2%

1Y+122.6%

52-week range—

Beta1.65

Full chart and returns against a benchmark

Q-Score

42/ 100

Quality against peers; 50 is the peer median.

Growth38

Risk34

Performance60

Valuation49

Profitability46

Leverage48

Sentiment69

Every score and metric

News sentiment

Open News

Latest results · FY 2025

Revenue$19.5M-14.1%

Net income$25.2M

Net margin129.7%+476.8 pts

Historical fundamentals

Revenue exposure

Regions, segments, customers and suppliers

Valuation

OPRTIndustryP/E14.4224.42P/S27.3910.57EV/EBITDA—27.44P/B1.247.09PEG0.660.74

Dividend yield0.00%

Every valuation metric

Earnings

Nov 3next report

EPS estimate$0.45

Beats (last 4 quarters)—

Average surprise—

EPS revisions (30d)—

Every quarter against its estimate

Historical Fundamentals

Revenue

Net Income

Net Margin

P/E

Showing the last 4 periods. Pro adds the full annual and quarterly history and 20+ more metrics to chart.

Latest Results

The latest fiscal year and quarter, each against the same period a year earlier, from SEC filings.

Metric	FY 2025	vs a year before	Q3 2026	vs a year before
Revenue	$19.5M	-14.1%	$5.2M	—
Net Income	$25.2M	—	$22.9M	—
Net Margin	129.7%	+476.8 pts	438.1%	—

Earnings

The next report, and the record against analysts' estimates.

Next EPS estimate$0.45

Beats (last 4 quarters)—

Average surprise—

EPS revisions (30d)—

Q-Scores

OverallCombines the categories below, except Sentiment

Industry 7342

Growth

Industry 6538

Risk

Industry 7934

Performance

Industry 6260

Valuation

Industry 4149

Profitability

Industry 7446

Leverage

Industry 4848

Sentiment

Industry 4769

Key Metrics

Fundamentals: trailing twelve months to Sep 2026, from the latest 10-K and 10-Qs.

Market Beta (5-factor)

IM 1.05SM 0.841.35

Market Cap

536.8M

Dividend Yield

IM 0.00%SM 1.01%0.00%

Volume

IM 477.9KSM 217.6K621.7K

Industry Market Share

0.03%

Sector Market Share

0.00%

IM industry median · SM sector median: the typical company the value is compared with. The /100 is its score against those peers.

Comparable Companies

The companies closest in size in Credit Services (filled from its sector when there are few), with the median and rank across all 52 in the industry.

Company	Market cap	P/E	EV/EBITDA	P/S	P/B	FCF yield	Revenue growth	Op. margin	ROE	Debt/equity
OPRTOportun Financial Corporation	$536.8M	14.4	—	27.4	1.2	82.1%	2.2%	—	8.6%	0.0
LULufax Holding Ltd	$624.9M	—	—	—	—	—	—	—	—	—
NAVINavient Holdings, Inc.	$632.6M	—	—	—	0.3	53.7%	—	—	-2.0%	18.5
PRAAPRA Group, Inc.	$450.4M	2.9	0.7	0.3	0.4	-10.9%	12.5%	35.8%	14.8%	0.0
GDOTGreen Dot Corporation	$647.9M	—	—	0.3	0.7	3.9%	18.3%	1.5%	-0.3%	0.0
WRLDWorld Acceptance Corporation	$652.2M	13.2	—	1.1	1.9	42.7%	4.4%	—	14.2%	1.7
QFINQfin Holdings, Inc.	$652.9M	0.8	—	0.2	0.2	237.5%	16.8%	34.8%	24.8%	0.0
FINVFinVolution Group	$680M	1.9	—	0.4	0.3	37.5%	8.4%	—	15.4%	0.0
OPFIOppFi Inc.	$864.5M	9.1	5.5	2.5	2.0	42.4%	-6.5%	36.3%	21.3%	0.0
Industry median		7.9	7.6	1.4	1.2	20.9%	11.2%	20.1%	14.1%	0.5
OPRT percentile		74th	—	87th	50th	83rd	27th	—	35th	16th