Oportun Financial Croissance future
Future contrôle des critères 4/6
Oportun Financial devrait augmenter ses bénéfices et ses revenus de 52.2% et de 13.8% par an respectivement, tandis que le BPA devrait croître de croître de 50.1% par an.
Informations clés
52.2%
Taux de croissance des bénéfices
50.11%
Taux de croissance du BPA
| Consumer Finance croissance des bénéfices | 18.9% |
| Taux de croissance des recettes | 13.8% |
| Rendement futur des capitaux propres | n/a |
| Couverture par les analystes | Good |
| Dernière mise à jour | 19 May 2026 |
Mises à jour récentes de la croissance future
Recent updates
Seeking Alpha • Jun 03
Oportun Financial: An Overlooked Opportunity, Trading At A Compelling Valuation
Summary Oportun trades at less than 3x P/E the 2027 consensus EPS estimate, reflecting a favorable risk/reward profile amid operational inflection. OPRT is strategically expanding secured personal loans, which offer superior unit economics—lower losses and higher revenue per loan versus unsecured products. The Company plans to launch risk-based pricing in 2H26, which we think will augment origination volume and be a catalyst for profitable growth. Doug Bland recently joined as CEO, having previously served as the Senior Vice President & General Manager for the Consumer Business at PayPal. Read the full article on Seeking Alpha
Mise à jour du récit • Jun 01
OPRT: Fair Value View Will Hinge On Credit Losses And Leadership Transition
Narrative Update on Oportun Financial Analysts have reduced their price target on Oportun Financial by $1, reflecting updated views on fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. What's in the News Issued earnings guidance for the second quarter of 2026 with expected total revenue in the range of US$227 million to US$232 million.
Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Mise à jour du récit • 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.Nouveau récit • 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 AlphaPrévisions de croissance des bénéfices et des revenus
| Date | Recettes | Les revenus | Flux de trésorerie disponible | Cash from Op | Moy. Nombre d'analystes |
|---|---|---|---|---|---|
| 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 |
Prévisions de croissance des analystes
Taux de revenus par rapport au taux d'épargne: La croissance des bénéfices prévue de OPRT ( 52.2% par an) est supérieure au taux d'épargne ( 3.5% ).
Bénéfices vs marché: Les bénéfices de OPRT ( 52.2% par an) devraient croître plus rapidement que le marché US ( 16.8% par an).
Croissance élevée des bénéfices: Les bénéfices de OPRT devraient augmenter de manière significative au cours des 3 prochaines années.
Chiffre d'affaires vs marché: Le chiffre d'affaires de OPRT ( 13.8% par an) devrait croître plus rapidement que le marché US ( 11.8% par an).
Croissance élevée des revenus: Le chiffre d'affaires de OPRT ( 13.8% par an) devrait croître plus lentement que 20% par an.
Prévisions de croissance du bénéfice par action
Rendement futur des capitaux propres
ROE futur: Données insuffisantes pour déterminer si le retour sur capitaux propres de OPRT devrait être élevé dans 3 ans
Découvrir les entreprises en croissance
Analyse de l'entreprise et données financières
| Données | Dernière mise à jour (heure UTC) |
|---|---|
| Analyse de l'entreprise | 2026/06/08 11:25 |
| Cours de l'action en fin de journée | 2026/06/05 00:00 |
| Les revenus | 2026/03/31 |
| Revenus annuels | 2025/12/31 |
Sources de données
Les données utilisées dans notre analyse de l'entreprise proviennent de S&P Global Market Intelligence LLC. Les données suivantes sont utilisées dans notre modèle d'analyse pour générer ce rapport. Les données sont normalisées, ce qui peut entraîner un délai avant que la source ne soit disponible.
| Paquet | Données | Cadre temporel | Exemple de source américaine * |
|---|---|---|---|
| Finances de l'entreprise | 10 ans |
| |
| Estimations consensuelles des analystes | +3 ans |
|
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| Prix du marché | 30 ans |
| |
| Propriété | 10 ans |
| |
| Gestion | 10 ans |
| |
| Principaux développements | 10 ans |
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* Exemple pour les titres américains ; pour les titres non américains, des formulaires réglementaires et des sources équivalentes sont utilisés.
Sauf indication contraire, toutes les données financières sont basées sur une période annuelle mais mises à jour trimestriellement. C'est ce qu'on appelle les données des douze derniers mois (TTM) ou des douze derniers mois (LTM). En savoir plus.
Modèle d'analyse et flocon de neige
Les détails du modèle d’analyse utilisé pour générer ce rapport sont disponibles sur notre page Github; nous proposons également des guides expliquant comment utiliser nos rapports et des tutoriels sur Youtube.
Découvrez l'équipe de classe mondiale qui a conçu et construit le modèle d'analyse Simply Wall St.
Indicateurs de l'industrie et du secteur
Nos indicateurs de secteur et de section sont calculés toutes les 6 heures par Simply Wall St. Les détails de notre processus sont disponibles sur Github.
Sources des analystes
Oportun Financial Corporation est couverte par 8 analystes. 6 de ces analystes ont soumis les estimations de revenus ou de bénéfices utilisées comme données d'entrée dans notre rapport. Les soumissions des analystes sont mises à jour tout au long de la journée.
| Analyste | Institution |
|---|---|
| Mark DeVries | Barclays |
| Harold Goetsch | B. Riley Securities, Inc. |
| Vincent Caintic | BTIG |