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Oportun Financial
(NASDAQ:OPRT)
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Rating:59Neutral
Price Target:
$5.50
▼(-6.46% Downside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by a improving-but-risky financial profile: strong and consistent cash flow and a return to profitability are positives, but historically high leverage remains a key concern for a credit-services lender. Earnings-call takeaways are moderately supportive (reiterated guidance, improving funding costs and deleveraging) but tempered by elevated charge-offs and weaker near-term operating trends. Technicals add a modest tailwind with improving momentum, while valuation is only average given a 24.3 P/E and no dividend yield.
Positive Factors
Strong cash generation
Very strong, consistent operating and free cash flow provides durable liquidity to fund originations, absorb credit volatility, and pay down expensive debt. Persistent positive FCF, even in loss years, supports capital resilience and strategic investments in underwriting and secured products.
Negative Factors
Historically high leverage
A history of very high leverage leaves Oportun exposed to credit and funding shocks: leverage amplifies losses and reduces flexibility to shore up reserves or grow the loan book. Although TTM shows improvement, the sharp discontinuity undermines confidence in sustained balance-sheet stability.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Very strong, consistent operating and free cash flow provides durable liquidity to fund originations, absorb credit volatility, and pay down expensive debt. Persistent positive FCF, even in loss years, supports capital resilience and strategic investments in underwriting and secured products.
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
$270.83M
Dividend YieldN/A
Average Volume (3M)546.67K
Price to Earnings (P/E)15.5
Beta (1Y)1.70
Revenue Growth-3.81%
EPS GrowthN/A
CountryUS
Employees2,312
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.38
Shares Outstanding45,902,570
10 Day Avg. Volume410,532
30 Day Avg. Volume546,669
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 Cap10.12
Enterprise Value/Revenue4.44
Enterprise Value/Gross Profit6.94
Enterprise Value/Ebitda37.12
Forecast
1Y Price Target
$5.00Price Target Upside-14.97% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)1.57
Revenue Forecast (FY)$943.06M
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 12, 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
Positive
5.88
Price Trends
5.44
Positive
5.21
Positive
5.32
Positive
Market Momentum
0.16
Negative
67.01
Neutral
85.05
Negative
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 5.88 is above the 20-day moving average (MA) of 5.32, above the 50-day MA of 5.44, and above the 200-day MA of 5.32, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 67.01 is Neutral, neither overbought nor oversold. The STOCH value of 85.05 is Negative, 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.
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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $233.90M | 6.45 | 9.85% | 4.44% | 9.67% | -6.40% | |
69 Neutral | $383.61M | 8.11 | 13.16% | 2.99% | 10.51% | 53.17% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $208.74M | 10.46 | 6.34% | ― | 12.28% | 1.64% | |
61 Neutral | $125.77M | -0.42 | 0.54% | 10.37% | -13.83% | -154.13% | |
59 Neutral | $270.83M | 15.53 | 4.63% | ― | -3.81% | ― | |
56 Neutral | $367.98M | -69.27 | -7.04% | ― | 405.40% | 96.15% |
* Financial Sector Average
OPRT
Oportun Financial
5.90
-1.18
-16.67%
CPSS
Consumer Portfolio Services
9.62
-0.39
-3.90%
MFIN
Medallion Financial
10.12
0.83
8.89%
RM
Regional Management
41.66
9.81
30.79%
YRD
Yiren Digital
1.44
-4.41
-75.37%
LPRO
Open Lending
3.11
0.81
35.22%
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.