Oportun Financial Crecimiento futuro
Future controles de criterios 4/6
Se prevé un crecimiento anual de los beneficios y los ingresos de Oportun Financial de 52.2% y 13.8% respectivamente, mientras que el BPA crecerá en un 50.1% al año.
Información clave
52.2%
Tasa de crecimiento de los beneficios
50.11%
Tasa de crecimiento del BPA
| Crecimiento de los beneficios de Consumer Finance | 19.1% |
| Tasa de crecimiento de los ingresos | 13.8% |
| Rentabilidad financiera futura | n/a |
| Cobertura de analistas | Good |
| Última actualización | 19 May 2026 |
Actualizaciones recientes sobre el crecimiento futuro
Recent updates
Actualización de narrativa • May 08
OPRT: Slightly Higher Risk Premium Will Support Future Repricing Potential
Analysts have trimmed their price target on Oportun Financial by about $1 to reflect a slightly lower fair value estimate and a modestly higher discount rate, while keeping revenue growth, profit margin and future P/E expectations broadly unchanged. Analyst Commentary Bullish Takeaways Bullish analysts view the relatively small US$1 price target cut as a fine tuning of valuation rather than a major shift in outlook, since assumptions around revenue growth, profit margins and future P/E multiples are broadly unchanged.
Actualización de narrativa • Apr 23
OPRT: Lower P/E Assumptions And Execution Risks Will Pressure Upside Potential
Narrative Update on Oportun Financial Analysts have trimmed their price target on Oportun Financial by $0.50 to $5.00, citing updated assumptions that pair slightly lower revenue growth expectations with a higher projected profit margin and a reduced future P/E multiple. Analyst Commentary Recent Street research on Oportun Financial points to a more cautious tone, with at least one major firm, JPMorgan, trimming its price target.Actualización de narrativa • Apr 07
OPRT: Neutral Upgrade And Reset Expectations Will Support Future Repricing Potential
Narrative Update on Oportun Financial Price Target Analysts have trimmed the fair value estimate for Oportun Financial from about $8.33 to roughly $8.08. This reflects updated views on valuation after recent share price underperformance and a shift in ratings toward a more in-line stance with the broader consumer finance group.Actualización de narrativa • Mar 24
OPRT: Neutral Upgrade And Peer Alignment Will Support Future Repricing Potential
Analysts have maintained Oportun Financial's $5.50 price target, citing recent share underperformance and viewing the stock's valuation as now more closely aligned with peers. Analyst Commentary JPMorgan's move to upgrade Oportun Financial to Neutral, while keeping the US$5.50 price target unchanged, centers on how the stock now trades compared with other consumer finance names after a period of weaker share performance.Actualización de narrativa • Mar 10
OPRT: Neutral Upgrade And Peer Alignment Will Reset Expectations For Upside
Analysts have slightly raised their fair value estimate for Oportun Financial to approximately $8.33 from $8.25, citing recent valuation-driven rating changes and updated assumptions related to revenue growth, profit margins, and future P/E expectations. Analyst Commentary Recent commentary around Oportun Financial has focused on valuation, relative performance, and how expectations line up with the rest of the consumer finance group.Actualización de narrativa • Feb 23
OPRT: Valuation Driven Rating Shift Will Temper 2025 Profitability Concerns
Analysts are maintaining their $5.50 price target for Oportun Financial, citing the stock's recent underperformance versus peers and noting that its current valuation now appears more in line with the broader consumer finance group. Analyst Commentary JPMorgan has shifted its stance on Oportun Financial to Neutral from Underweight, while keeping the price target at $5.50.Actualización de narrativa • Feb 09
OPRT: Neutral Upgrade And Peer Alignment Are Expected To Unlock Upside
Narrative Update on Oportun Financial Analysts kept their fair value estimate for Oportun Financial steady at US$8.25 while modestly adjusting underlying assumptions such as the discount rate. Recent research highlights valuation and a closer alignment with peers as key reasons for the updated view.Seeking Alpha • Feb 06
Oportun: New Leadership Unlocks Potential Earnings And Valuation Gains
Summary Oportun offers >100% upside potential as new leadership unlocks earnings and valuation gains. OPRT's subprime lending model provides a durable competitive moat and revenue resilience. Key EPS drivers include refinancing high-cost debt, expanding secured lending, and operational efficiencies, with ROA targets of 4%+ supporting a $15+ stock price. Governance risks persist due to legacy board members; this is the one remaining risk, and shareholders may be able to express their views to the board. A recent significant position taken by Forager likely also reduces the governance risk. Read the full article on Seeking AlphaActualización de narrativa • Jan 25
OPRT: Neutral Upgrade And Improving Profitability Are Expected To Unlock Upside
Analysts have modestly adjusted their outlook on Oportun Financial, keeping fair value steady at US$8.25 while updating revenue growth, profit margin and forward P/E assumptions after a recent sector review that led to a valuation-driven upgrade to Neutral with a US$5.50 price target. Analyst Commentary Recent commentary around Oportun Financial has centered on valuation, with JPMorgan shifting to a Neutral stance while keeping its US$5.50 price target unchanged.Actualización de narrativa • Jan 10
OPRT: Future Profitability And Structured Financing Are Expected To Unlock Upside
Analysts have trimmed their price target on Oportun Financial to about $8.25 per share from roughly $9.20, citing updated assumptions for slightly softer revenue growth, a lower profit margin outlook, and a modestly higher discount rate, partly offset by a higher future P/E multiple. What's in the News Issued new fourth quarter earnings guidance, with total revenue expected in a range of $241 million to $246 million.Actualización de narrativa • Dec 27
OPRT: Weaker Low Income Credit Will Challenge Expected 2025 Profitability Balancing
Analysts have reduced their price target on Oportun Financial to $6 from $8, reflecting concerns that weakening balance sheets for low income consumers may offset modest improvements in revenue growth and profit margin expectations. Analyst Commentary Bearish analysts are highlighting a more challenging risk reward profile for Oportun Financial following the latest price target cut to $6.Actualización de narrativa • Dec 12
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.Nueva narrativa • Jun 01
US Hispanic Expansion And Digital Adoption Will Shape Opportunity
Expansion of technology-driven products and focus on Hispanic and Latino consumers drive scalable growth and sustained revenue opportunities.Seeking Alpha • Mar 11
Oportun: Turning The Ship Around... But Treading Dangerous Waters
Summary Oportun designs financial products for individuals with low credit scores, offering access through mobile app, website, telesales, and 128 retail locations. Utilizing AI and proprietary data, Oportun's underwriting models assess credit risk more effectively than traditional scoring methods. The company faced many problems in the past, which explain its low valuations. However, the same management remains in power. The turnaround might have legs... But it's not without risks. Read the full article on Seeking AlphaSeeking Alpha • Feb 25
Oportun's Turnaround Looks Good Until You Check Under The Hood
Summary Oportun's Q4 performance shows a significant turnaround with $9 million net income and a 315% surge in adjusted EBITDA, but revenue challenges persist. High leverage and rising interest expenses pose significant risks, with $2.82 billion in debt and a tightening funding environment. Credit risks remain, with a high charge-off rate and a problematic "back book" of older loans impacting profitability. Despite a seemingly attractive valuation, shrinking revenue, heavy debt, and rising funding costs make Oportun a HOLD until more stable growth is evident. Read the full article on Seeking AlphaSeeking Alpha • Jan 11
Oportun Is Below TBV, Growing And ~5x FY25 Earnings With $1B Revenue, 70%+ Upside
Summary Oportun Financial (OPRT) offers an attractive risk/reward profile, trading below tangible book value with potential for significant revenue and profit growth, driven by improved management and governance. OPRT's tangible book value per share is approximately $5.35, providing substantial downside protection and a margin of safety even at conservative valuations. FY25 profitability is expected to be strong, with economic earnings projected at $0.75+ per share, driven by reduced net charge-offs, automation, and deleveraging. OPRT's unique market position, technical advantages, and insider confidence through recent buys highlight its potential for sustained growth and profitability improvements. Read the full article on Seeking AlphaSeeking Alpha • Oct 31
Oportun Financial: A Possible Turnaround Priced For Disaster, Speculative Buy
Summary Oportun is a financial services company offering competitive personal lending products and savings services through its award-winning platform. The company is significantly undervalued. OPRT management attempts a turnaround, expecting fundamental improvements. Macro/market tailwinds due to the Fed rate policy pivot may boost Oportun's financial performance. There are certain risks that investors should take into account before making a move. Read the full article on Seeking AlphaPrevisiones de crecimiento de beneficios e ingresos
| Fecha | Ingresos | Beneficios | Flujo de caja libre | Flujo de caja operativo | Núm. de analistas medio |
|---|---|---|---|---|---|
| 12/31/2028 | 1,050 | 131 | N/A | N/A | 1 |
| 12/31/2027 | 989 | 77 | -76 | 435 | 6 |
| 12/31/2026 | 943 | 51 | -17 | 423 | 6 |
| 3/31/2026 | 727 | 18 | 391 | 416 | N/A |
| 12/31/2025 | 725 | 25 | 389 | 413 | N/A |
| 9/30/2025 | 713 | 31 | 372 | 396 | N/A |
| 6/30/2025 | 725 | -5 | 383 | 405 | N/A |
| 3/31/2025 | 746 | -42 | 387 | 409 | N/A |
| 12/31/2024 | 764 | -79 | 374 | 394 | N/A |
| 9/30/2024 | 797 | -129 | 389 | 408 | N/A |
| 6/30/2024 | 824 | -120 | 386 | 407 | N/A |
| 3/31/2024 | 853 | -104 | 379 | 402 | N/A |
| 12/31/2023 | 878 | -180 | 362 | 393 | N/A |
| 9/30/2023 | 893 | -147 | 338 | 375 | N/A |
| 6/30/2023 | 895 | -231 | 292 | 336 | N/A |
| 3/31/2023 | 879 | -225 | 236 | 286 | N/A |
| 12/31/2022 | 859 | -78 | 199 | 248 | N/A |
| 9/30/2022 | 816 | -55 | 174 | 219 | N/A |
| 6/30/2022 | 741 | 74 | 163 | 201 | N/A |
| 3/31/2022 | 658 | 90 | 152 | 184 | N/A |
| 12/31/2021 | 579 | 47 | 137 | 163 | N/A |
| 9/30/2021 | 524 | 42 | 97 | 117 | N/A |
| 6/30/2021 | 499 | 13 | 93 | 113 | N/A |
| 3/31/2021 | 500 | -29 | 99 | 119 | N/A |
| 12/31/2020 | 525 | -45 | 131 | 153 | N/A |
| 9/30/2020 | 548 | -49 | 162 | 191 | N/A |
| 6/30/2020 | 564 | -71 | 184 | 214 | N/A |
| 3/31/2020 | 558 | -11 | 195 | 223 | N/A |
| 12/31/2019 | 544 | 4 | N/A | 218 | N/A |
| 9/30/2019 | 523 | 4 | N/A | 205 | N/A |
| 6/30/2019 | 493 | 34 | N/A | 166 | N/A |
| 3/31/2019 | 473 | 47 | N/A | 151 | N/A |
| 12/31/2018 | 433 | 17 | N/A | 138 | N/A |
| 9/30/2018 | 366 | 3 | N/A | 139 | N/A |
| 6/30/2018 | 313 | 0 | N/A | 150 | N/A |
| 3/31/2018 | 265 | -39 | N/A | 144 | N/A |
| 12/31/2017 | 226 | -10 | N/A | 139 | N/A |
| 12/31/2016 | 178 | 4 | N/A | 114 | N/A |
| 12/31/2015 | 124 | N/A | N/A | 76 | N/A |
Previsiones de crecimiento futuro de los analistas
Ingresos vs. Tasa de ahorro: El pronóstico de crecimiento de los beneficios (52.2% al año) de OPRT es superior a la tasa de ahorro (3.5%).
Beneficios vs. Mercado: Se prevé que los beneficios (52.2% al año) de OPRT crezcan más rápidamente que el mercado US (16.7% al año).
Beneficios de alto crecimiento: Se espera que los beneficios de OPRT crezcan significativamente en los próximos 3 años.
Ingresos vs. Mercado: Se prevé que los ingresos (13.8% al año) de OPRT crezcan más rápidamente que los del mercado US (11.7% al año).
Ingresos de alto crecimiento: Se prevé que los ingresos 13.8% al año) de OPRT crezcan más despacio que 20% al año.
Previsiones de crecimiento de los beneficios por acción
Rentabilidad financiera futura
ROE futura: Datos insuficientes para determinar si la rentabilidad financiera de OPRT se prevé que sea elevada dentro de 3 años.
Descubre empresas en crecimiento
Análisis de la empresa y estado de los datos financieros
| Datos | Última actualización (huso horario UTC) |
|---|---|
| Análisis de la empresa | 2026/05/21 16:15 |
| Precio de las acciones al final del día | 2026/05/21 00:00 |
| Beneficios | 2026/03/31 |
| Ingresos anuales | 2025/12/31 |
Fuentes de datos
Los datos utilizados en nuestro análisis de empresas proceden de S&P Global Market Intelligence LLC. Los siguientes datos se utilizan en nuestro modelo de análisis para generar este informe. Los datos están normalizados, lo que puede introducir un retraso desde que la fuente está disponible.
| Paquete | Datos | Marco temporal | Ejemplo Fuente EE.UU. * |
|---|---|---|---|
| Finanzas de la empresa | 10 años |
| |
| Estimaciones del consenso de analistas | +3 años |
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| Precios de mercado | 30 años |
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| Propiedad | 10 años |
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| Gestión | 10 años |
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| Principales avances | 10 años |
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* Ejemplo para valores de EE.UU., para no EE.UU. se utilizan formularios y fuentes normativas equivalentes.
A menos que se especifique lo contrario, todos los datos financieros se basan en un periodo anual, pero se actualizan trimestralmente. Esto se conoce como datos de los últimos doce meses (TTM) o de los últimos doce meses (LTM). Más información.
Modelo de análisis y copo de nieve
Los detalles del modelo de análisis utilizado para generar este informe están disponibles en nuestra página de Github, también tenemos guías sobre cómo utilizar nuestros informes y tutoriales en Youtube.
Conozca al equipo de talla mundial que diseñó y construyó el modelo de análisis Simply Wall St.
Métricas industriales y sectoriales
Simply Wall St calcula cada 6 horas nuestras métricas sectoriales y de sección. Los detalles de nuestro proceso están disponibles en Github.
Fuentes analistas
Oportun Financial Corporation está cubierta por 9 analistas. 6 de esos analistas presentaron las estimaciones de ingresos o ganancias utilizadas como datos para nuestro informe. Las estimaciones de los analistas se actualizan a lo largo del día.
| Analista | Institución |
|---|---|
| Mark DeVries | Barclays |
| Mark DeVries | Barclays |
| Harold Goetsch | B. Riley Securities, Inc. |