OPRT logo

OPORTUN FINANCIAL CORP

OPRTNASDAQ
πŸ† #3030 by market capEarnings Nov 3US Equity
$7.43β–Ό $0.16 (βˆ’2.21%)
Live
1hβ–² 0.4%
24hβ–Ό 2.2%
7dβ–² 22.8%
14dβ–² 30.8%
30dβ–² 30.3%
1yβ–² 23.0%
🏦Market Cap
$341M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+19.5%
Healthy
πŸ“ŠGross Margin
70.2%
High
πŸ’΅FCF Margin
59.6%
Strong
βš–οΈP/S Ratio
0.5x
Cheap
Otter Score
64
Fair

Trading Snapshot

Day Range
$7.37 – $7.51
52-Week Range
$4.03 – $8.30
Volume
$2.52B
Avg Volume
$2.93B
Shares Outstanding
45.9M
Next Earnings
Oct 29, 2026

Fundamentals Snapshot

Annual Revenue
$637M
Last Q Revenue
$233M
P/E Ratio
18.6
P/S Ratio
0.5x
EPS (TTM)
$0.40
Dividend Yield
0.00%

Why Investors Own OPRT

  • βœ“High-growth profile β€” revenue up +28.5% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 26% gross margin and 26% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$637Mβ–² +23.3% YoY
Gross Margin (TTM)
25.7%β–² +4.2% YoY
Operating Income (TTM)
$80Mβ–² +23.3% YoY
Free Cash Flow (TTM)
$164Mβ–² +23.3% YoY

About OPORTUN FINANCIAL CORP

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, over the phone, or by visiting their physical retail locations. The company's operations span 24 states across the United States, with its footprint reaching areas such as Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Founded in 2005, its corporate headquarters are located in San Carlos, California.

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Otter Score Breakdown

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$7.69
β–² +3.5% Upside
High Target$8.58
Low Target$6.37
Based on 26 analysts

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