Oportun Financial Corp. (OPRT)
NASDAQ:OPRT
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Oportun Financial
(NASDAQ:OPRT)
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Rating:64Neutral
Price Target:
$5.00
▲(5.04% Upside)
Action:ReiteratedDate:02/27/26
The score is driven primarily by improving fundamentals and especially strong cash flow, supported by a low valuation multiple. These positives are tempered by guidance that indicates ongoing credit-loss pressure and limited near-term revenue growth, while technicals suggest only moderate momentum with the stock still below its 200-day moving average.
Positive Factors
Strong cash generation
Consistent, sizable operating cash flow and positive free cash flow through 2025 show durable cash conversion. This strengthens internal funding capacity, supports continued deleveraging, funds technology and underwriting investments, and provides a cushion against credit volatility over the next 2–6 months.
Negative Factors
Elevated net charge-offs
Persistently high net charge-offs at ~12% materially compress net interest margin and require elevated provisions. High loss rates force tighter underwriting and limit sustainable portfolio growth, constraining long-term revenue and return improvement until credit normalization occurs.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Consistent, sizable operating cash flow and positive free cash flow through 2025 show durable cash conversion. This strengthens internal funding capacity, supports continued deleveraging, funds technology and underwriting investments, and provides a cushion against credit volatility over the next 2–6 months.
Read all positive factors
Oportun Financial (OPRT) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$211.82M
Dividend YieldN/A
Average Volume (3M)583.30K
Price to Earnings (P/E)10.0
Beta (1Y)1.74
Revenue Growth-5.29%
EPS GrowthN/A
CountryUS
Employees2,312
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.27
Shares Outstanding44,500,267
10 Day Avg. Volume367,656
30 Day Avg. Volume583,299
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 Cap13.80
Enterprise Value/Revenue4.58
Enterprise Value/Gross Profit7.20
Enterprise Value/Ebitda34.18
Forecast
1Y Price Target
$8.67Price Target Upside82.14% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)1.55
Revenue Forecast (FY)$944.06M
Oportun Financial Business Overview & Revenue Model
Company Description
Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United ...
How the Company Makes Money
Oportun primarily makes money by originating consumer credit products and earning income from those products over time. Key revenue streams include: (1) Interest income: the company charges interest on personal loans and other credit products it h...
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 Earnings Call Summary
Earnings Call Date:Feb 26, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:May 11, 2026
Earnings Call Sentiment Positive
The call highlights meaningful progress on profitability, expense reduction, unit economics and balance sheet optimization (improved ROE, lower OpEx ratios, stronger liquidity and lower funding costs). Management presented constructive 2026 guidance (EPS growth and lower interest expense) while acknowledging near-term headwinds: elevated charge-offs/delinquencies, muted originations and revenue pressure from continued tight credit and macro uncertainty. The company also disclosed transitional items (Pathward wind-down, debt-repayment charges) that temporarily weighed on adjusted results and GAAP comparisons. Overall, operational and capital improvements dominate the discussion, while near-term credit and revenue challenges are being managed with a conservative approach and targeted initiatives (SPL growth, selective risk-based pricing) that aim to improve longer-term returns.Positive Updates
Sustained GAAP Profitability and Strong Full-Year Improvement
Generated $25 million of GAAP net income in 2025 (Q4: $3.4 million). Full year GAAP net income improved by $104 million year-over-year and adjusted EPS grew 89% (full year adjusted EPS $1.36, toward the high end of guidance).
Negative Updates
Near-Term Originations and Revenue Pressure
Q4 originations were $495 million, down 5% year-over-year primarily due to credit tightening. Management expects mid-single-digit originations growth in 2026 and guidance contemplates flat to up-to-2% revenue decline for the year (full year 2026 revenue guidance $935 million to $955 million). Q1 2026 midpoint revenue guidance implies an ~$8 million YoY decline.
Read all updates
Q4-2025 Updates
Positive
Negative
Sustained GAAP Profitability and Strong Full-Year Improvement
Generated $25 million of GAAP net income in 2025 (Q4: $3.4 million). Full year GAAP net income improved by $104 million year-over-year and adjusted EPS grew 89% (full year adjusted EPS $1.36, toward the high end of guidance).
Read all positive updates
Company Guidance
Management's 2026 guidance calls for mid-single-digit originations growth, a 1%–2% decline in average daily principal balance, and full‑year total revenue roughly flat to down 2% (guidance $935M–$955M); they forecast an annualized net charge‑off rate of 11.9% ±50 bps (Q1 guidance 12.65% ±15 bps with Q1 delinquencies 4.4%–4.5% and implied Q2–Q4 net charge‑offs ≈11.65%), adjusted EBITDA $150M–$165M (Q1 $25M–$30M), adjusted EPS $1.50–$1.65 (≈16% growth at the midpoint), a reduction in interest expense of at least 10%, and substantially flat operating expenses, with profitability expected to be higher in H2 than H1 and only modest incremental 2026 benefit assumed from the phased rollout of risk‑based pricing.Oportun Financial Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
49
Neutral
Cash Flow
82
Very Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 637.34M | 533.36M | 460.08M | 733.70M | 578.15M |
| Gross Profit | 405.84M | 295.20M | 280.67M | 640.66M | 530.48M |
| EBITDA | 85.49M | -64.02M | -198.77M | -27.75M | 89.90M |
| Net Income | 25.20M | -78.68M | -179.95M | -77.74M | 47.41M |
Balance Sheet | |||||
| Total Assets | 3.26B | 3.23B | 3.41B | 3.61B | 2.95B |
| Cash, Cash Equivalents and Short-Term Investments | 105.50M | 59.97M | 91.19M | 98.82M | 130.96M |
| Total Debt | 2.81B | 2.82B | 3.23B | 3.28B | 2.60B |
| Total Liabilities | 2.87B | 2.87B | 3.01B | 3.07B | 2.34B |
| Stockholders Equity | 390.10M | 353.81M | 404.40M | 547.60M | 603.88M |
Cash Flow | |||||
| Free Cash Flow | 389.08M | 374.33M | 361.50M | 198.98M | 136.97M |
| Operating Cash Flow | 413.40M | 393.52M | 392.76M | 247.88M | 163.45M |
| Investing Cash Flow | -369.70M | -193.69M | -286.18M | -1.17B | -884.79M |
| Financing Cash Flow | -59.40M | -191.22M | -104.39M | 934.53M | 745.71M |
Oportun Financial Technical Analysis
Neutral
4.76
Price Trends
5.02
Negative
5.11
Negative
5.64
Negative
Market Momentum
-0.09
Negative
50.94
Neutral
70.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For OPRT, the sentiment is Neutral. The current price of 4.76 is above the 20-day moving average (MA) of 4.54, below the 50-day MA of 5.02, and below the 200-day MA of 5.64, indicating a neutral trend. The MACD of -0.09 indicates Negative momentum. The RSI at 50.94 is Neutral, neither overbought nor oversold. The STOCH value of 70.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $142.57M | 28.48 | 0.54% | 10.37% | 10.48% | -30.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $200.24M | 5.44 | 11.82% | 4.44% | 15.52% | 2.05% | |
64 Neutral | $211.82M | 10.05 | 6.66% | ― | -5.29% | ― | |
64 Neutral | $166.68M | 10.57 | 6.34% | ― | 16.94% | -10.46% | |
63 Neutral | $324.57M | 8.66 | 12.12% | 2.99% | 9.63% | 77.14% | |
52 Neutral | $148.27M | -43.40 | -102.53% | ― | -82.33% | -3365.80% |
* Financial Sector Average
OPRT
Oportun Financial
4.76
0.18
3.93%
CPSS
Consumer Portfolio Services
7.66
-1.69
-18.07%
MFIN
Medallion Financial
8.51
0.41
5.04%
RM
Regional Management
34.54
4.24
14.00%
YRD
Yiren Digital
1.65
-3.49
-67.90%
LPRO
Open Lending
1.26
0.37
41.57%
Oportun Financial Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Oportun Financial Prices $485 Million ABS Securitization Deal
Positive
Feb 10, 2026
On February 9, 2026, Oportun’s subsidiary Oportun Issuance Trust 2026-A issued approximately $485 million of two-year revolving fixed-rate asset-backed notes secured by a pool of unsecured and secured personal installment loans. The transact...
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.