Oportun Financial

High Subprime Risks Will Limit Margins Yet Spark Recovery

AnalystLowTarget

Not Invested

Consensus Narrative from 6 Analysts

Published

07 Sep 25

AnalystLowTarget's Fair Value

US$7.20

7.1% undervalued

07 Sep

US$6.69

143.3%

0.5%

143.3%

0.5%

Edit anytime before Sep 7 10:42 PM. Then post Updates to your followers.

Author's Valuation

US$7.2

7.1% undervalued

AnalystLowTarget Fair Value

Narrative

Updates0

AnalystLowTarget Fair Value

US$7.2

7.1% undervalued

Future estimation in

% p.a.

Decrease

Increase

Current revenue growth rate

14.95%

Consumer Finance revenue growth rate

0.86%

Risk Level (Discount Rate)

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

Decrease

Increase

Current discount rate

12.32%

Calculation

US$128.00m

Earnings '28

6.42x

PE Ratio '28

US$822.38m

Market Cap '28

US$822.38m

Market Cap '28

80.60m

No. shares '28

US$10.20

Share Price '28

US$10.20 Share Price '28

Discounted to 2025 @ 12.32% p.a.

US$7.20

Fair Value '25