Oportun Financial

High Subprime Risks Will Limit Margins Yet Spark Recovery

AnalystLowTarget

Not Invested

Community Contributor

Published

07 Sep 25

Updated

12 Dec 25

Views

n/a

AnalystLowTarget's Fair Value

n/a

42.7%

-3.2%

42.7%

-3.2%

You can edit this narrative until Dec 13 6:05 PM. Then, changes will post as Updates.

Author's Valuation

US$5.50.2% overvalued

AnalystLowTarget Fair Value

Narrative

Updates1

Shared on 12 Dec 25

Fair value Decreased 24%

OPRT Will Balance Deteriorating Low Income Credit With Expected Profitability In 2025

Analysts have trimmed their price target on Oportun Financial from $8.00 to $6.00, citing a more cautious outlook on revenue growth, profitability and valuation multiples as low income consumer balance sheets weaken despite improvements in the company’s lending model. Analyst Commentary Bearish analysts point to the latest price target cut as evidence that the risk reward profile for Oportun Financial has shifted meaningfully to the downside, even as the company refines its underwriting framework.

AnalystLowTarget Fair Value

US$5.5

0.2% overvalued

Future estimation in

Growth p.a.

Decrease

Increase

Current revenue growth rate

12.45%

Consumer Finance revenue growth rate

0.71%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

12.50%

Calculation

US$114.79m

Earnings '28

5.48x

PE Ratio '28

US$629.47m

Market Cap '28

US$629.47m

Market Cap '28

80.38m

No. shares '28

US$7.83

Share Price '28

US$7.83 Share Price '28

Discounted to 2025 @ 12.50% p.a.

US$5.50

Fair Value '25