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Oportun Financial
(NASDAQ:OPRT)
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Rating:61Neutral
Price Target:
$6.50
▲(16.28% Upside)
Action:Reiterated
Date:07/08/26
The score is driven primarily by improving fundamentals and exceptional cash generation, tempered by balance-sheet/leverage risk and margin volatility. Technicals are supportive with price above key moving averages and positive MACD, but momentum is somewhat stretched. Valuation is reasonable on earnings (15.37 P/E) but lacks dividend support, while the latest call reiterated guidance yet highlighted near-term headwinds in originations, revenue, and elevated charge-offs.
Positive Factors
Strong operating and free cash flow
Very large, consistent operating and free cash flow gives Oportun durable liquidity and internal funding capacity. Over a multi‑month horizon this supports securitizations, debt paydowns, and loss absorption without immediate capital raises, increasing strategic flexibility and resilience.
Negative Factors
Historically high leverage
Persistently high historical leverage increases vulnerability to funding and credit shocks and limits financial flexibility. The sharp reported leverage discontinuity reduces confidence in balance‑sheet stability, making capital structure a medium‑term constraint on growth and risk tolerance.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong operating and free cash flow
Very large, consistent operating and free cash flow gives Oportun durable liquidity and internal funding capacity. Over a multi‑month horizon this supports securitizations, debt paydowns, and loss absorption without immediate capital raises, increasing strategic flexibility and resilience.
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
$254.30M
Dividend YieldN/A
Average Volume (3M)547.41K
Price to Earnings (P/E)14.6
Beta (1Y)1.80
Revenue Growth-3.81%
EPS GrowthN/A
CountryUS
Employees2,405
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.38
Shares Outstanding45,902,570
10 Day Avg. Volume474,007
30 Day Avg. Volume547,410
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.56
Revenue Forecast (FY)$943.34M
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 interest income over the life of those loans. Revenue is largely driven by: (1) Interest income on loans held on its balance sheet—borrowers pay interest (and in some cases fe...
Oportun Financial Earnings Call Summary
Earnings Call Date:May 07, 2026
(Q1-2026)
| % Change Since: |
Next Earnings Date:Aug 05, 2026
Earnings Call Sentiment Neutral
The call presents a mix of constructive balance-sheet and funding achievements (GAAP profitability, lower interest expense, stronger liquidity, deleveraging, ABS execution, secured-loan growth, and operating efficiency) alongside notable near-term challenges (an 11% decline in originations, elevated Q1 net charge-offs at 12.65%, lower adjusted EPS, and modest revenue declines). Management reiterated full-year guidance and outlined initiatives (risk-based pricing, payment protection, upgraded underwriting model B13) intended to drive improvement. Overall, results show clear progress on capitalization and cost of funds, but operational and credit-performance headwinds keep the tone measured.Positive Updates
GAAP Profitability Streak
Sixth consecutive quarter of GAAP profitability with net income of $2.3 million and diluted EPS of $0.05; adjusted net income of $10 million and adjusted EPS of $0.21.
Negative Updates
Originations Decline
Total originations declined 11% year over year in Q1, contributing to lower top-line growth and explaining part of the revenue decline.
Read all updates
Q1-2026 Updates
Positive
Negative
GAAP Profitability Streak
Sixth consecutive quarter of GAAP profitability with net income of $2.3 million and diluted EPS of $0.05; adjusted net income of $10 million and adjusted EPS of $0.21.
Read all positive updates
Company Guidance
Oportun reiterated Q2 and full‑year 2026 guidance: Q2 total revenue $227–232M, annualized net charge‑off 12.2% ±15 bps, adjusted EBITDA $34–39M (midpoint $37M); full‑year revenue $935–955M, annualized net charge‑off 11.9% ±50 bps, adjusted EBITDA $150–165M, adjusted net income $74–82M, and adjusted EPS $1.50–1.65. The outlook assumes a 1–2% decline in average daily principal, at least a 10% reduction in interest expense, and substantially flat operating expenses, with mid‑single‑digit originations growth; management expects Q1’s 12.65% annualized net charge‑off to be the 2026 peak, Q2 30+ delinquency of 4.1–4.2% (Q1: 4.5%), cost of funds ~7% (improved from 8.2%), adjusted OpEx ratio ~12.7% (toward a 12.5% target), and debt‑to‑equity trending from 6.8x toward a 6x target — midpoints imply roughly 16% adjusted EPS growth and 6% adjusted EBITDA growth versus 2025.Oportun Financial Financial Statement Overview
Summary
Income Statement
56
Neutral
Balance Sheet
33
Negative
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 616.91M | 637.34M | 533.36M | 460.08M | 733.70M | 578.15M |
| Gross Profit | 394.81M | 405.84M | 295.20M | 280.67M | 640.66M | 530.48M |
| EBITDA | 73.86M | 85.49M | -64.02M | -198.77M | -27.75M | 89.90M |
| Net Income | 17.88M | 25.25M | -78.68M | -179.95M | -77.74M | 47.41M |
Balance Sheet | ||||||
| Total Assets | 3.17B | 3.26B | 3.23B | 3.41B | 3.61B | 2.95B |
| Cash, Cash Equivalents and Short-Term Investments | 209.90M | 105.50M | 59.97M | 91.19M | 98.82M | 130.96M |
| Total Debt | 2.72B | 2.81B | 2.82B | 3.23B | 3.28B | 2.60B |
| Total Liabilities | 2.77B | 2.87B | 2.87B | 3.01B | 3.07B | 2.34B |
| Stockholders Equity | 396.30M | 390.10M | 353.81M | 404.40M | 547.60M | 603.88M |
Cash Flow | ||||||
| Free Cash Flow | 402.91M | 389.08M | 374.33M | 361.50M | 198.98M | 136.97M |
| Operating Cash Flow | 416.17M | 413.40M | 393.52M | 392.76M | 247.88M | 163.45M |
| Investing Cash Flow | -306.17M | -369.70M | -193.69M | -286.18M | -1.17B | -884.79M |
| Financing Cash Flow | -131.11M | -59.40M | -191.22M | -104.39M | 934.53M | 745.71M |
Oportun Financial Technical Analysis
Negative
5.59
Price Trends
5.48
Positive
5.31
Positive
5.28
Positive
Market Momentum
0.05
Positive
48.94
Neutral
10.89
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPRT, the sentiment is Negative. The current price of 5.59 is below the 20-day moving average (MA) of 5.74, above the 50-day MA of 5.48, and above the 200-day MA of 5.28, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 48.94 is Neutral, neither overbought nor oversold. The STOCH value of 10.89 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | $229.74M | 7.10 | 8.86% | 5.12% | 5.42% | -24.04% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | $297.15M | 6.48 | 13.24% | 2.88% | 9.63% | 40.75% | |
61 Neutral | $254.30M | 14.58 | 4.63% | ― | -3.81% | ― | |
60 Neutral | $202.23M | 10.13 | 6.54% | ― | 12.28% | 1.64% | |
56 Neutral | $371.53M | -69.93 | -7.04% | ― | 405.40% | 96.15% | |
54 Neutral | $96.95M | -0.32 | -7.18% | 37.29% | -13.83% | -154.13% |
* Financial Sector Average
OPRT
Oportun Financial
5.54
-0.58
-9.48%
CPSS
Consumer Portfolio Services
9.32
1.10
13.38%
MFIN
Medallion Financial
9.94
-0.25
-2.42%
RM
Regional Management
32.27
-0.48
-1.47%
YRD
Yiren Digital
1.11
-4.50
-80.20%
LPRO
Open Lending
3.14
1.02
48.11%
Oportun Financial Corporate Events
Business Operations and StrategyProduct-Related AnnouncementsRegulatory Filings and Compliance
Oportun Financial Launches New Consumer Lending Program Partnership
Positive
Jul 7, 2026
On June 30, 2026, Oportun Financial Corporation, via Oportun, Inc., entered into a Program Management Agreement with Column National Association to establish a new consumer lending program in select states. Under the arrangement, Column will origi...
Business Operations and StrategyExecutive/Board Changes
Oportun Financial Reaches Governance Agreement with Radoff Investors
Neutral
Jun 24, 2026
On June 22, 2026, Oportun Financial Corporation entered into a letter agreement with investor Bradley L. Radoff and The Radoff Family Foundation that will result in two Class I directors retiring from the board by the conclusion of the companyR...
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.