OPRT
Oportun Financial Corp
NASDAQ: OPRT · FINANCIAL SERVICES · CREDIT SERVICES
$7.87
+2.74% today
Updated 2026-09-11
Market cap
$361.92M
P/E ratio
19.68
P/S ratio
0.49x
EPS (TTM)
$0.40
Dividend yield
—
52W range
$4 – $8
Volume
0.5M
WallStSmart proprietary scores
55
out of 100
Grade: C+
Hold
Investment rating
5.3
Growth
C+5.5
Quality
C+4.5
Profitability
C5.3
Valuation
C+6/9
Piotroski F-Score
Moderate
0.3
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →251 stocks currently score above 75
Price targets
Analyst target
$9.60
+21.98%
12-Month target
$3.58
-54.51%
Intrinsic (DCF)
—
Margin of safety
—
0 Strong Buy3 Buy2 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Free cash flow $102.79M — positive
Risks
- Altman Z 0.26 — distress zone
- Thin margins at 2.62%
- Debt/equity 6.54x — high leverage
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $733.70M | $460.08M | $533.36M | $637.34M | $743.95M |
| Net income | $-77.74M | $-179.95M | $-78.68M | $25.25M | $8.50M |
| EPS | — | — | — | — | $0.40 |
| Free cash flow | $198.98M | $361.50M | $374.33M | $389.07M | $102.79M |
| Profit margin | -10.60% | -39.11% | -14.75% | 3.96% | 2.62% |
Recent insider activity
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-08-19 | SCHEIRMAN, SCOTT | Buy | 20,869 | — |
| 2026-08-11 | WILCOX, WARREN | Buy | 20,869 | — |
| 2026-08-11 | TAMBOR, RICHARD N. | Buy | 20,869 | — |
Peer comparison
Smart narrative
Oportun Financial Corp trades at $7.87. representing a P/E of 19.68x trailing earnings. Our Smart Value Score of 55/100 indicates the stock is fair. The company scores 6/9 on the Piotroski F-Score. With an Altman Z-Score of 0.26, it sits in the distress. TTM revenue stands at $743.95M. with profit margins at 2.62%.
Frequently asked questions
What is Oportun Financial Corp's stock price?
Oportun Financial Corp (OPRT) trades at $7.87, on a P/E of 19.7x and a P/S of 0.5x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Oportun Financial Corp overvalued?
Oportun Financial Corp carries a Smart Value Score of 55/100 (Grade C+), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Oportun Financial Corp (OPRT)?
The 12-month analyst consensus target is $9.60, about 22.0% above the current $7.87. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is Oportun Financial Corp's revenue?
Oportun Financial Corp's trailing twelve-month revenue is $743.95M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Oportun Financial Corp's Altman Z-Score is 0.26, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio0.49x
ROE4.51%
Beta1.25
50D MA$6.51
200D MA$5.54
Shares out0.05B
Float0.03B
Short ratio—
Avg volume0.5M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—