Oportun Financial Corporation

NasdaqGS:OPRT 株式レポート

時価総額：US$247.9m

Oportun Financial 将来の成長

Future 基準チェック /46

Oportun Financialは、52.2%と13.8%でそれぞれ年率52.2%で利益と収益が成長すると予測される一方、EPSはgrowで50.1%年率。

主要情報

52.2%

収益成長率

50.11%

EPS成長率

Consumer Finance 収益成長19.1%
収益成長率13.8%
将来の株主資本利益率n/a
アナリストカバレッジ

Good

最終更新日19 May 2026

今後の成長に関する最新情報

Recent updates

ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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 Alpha
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
ナラティブの更新 • 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.
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新しいナラティブ • 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha
Seeking 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 Alpha

業績と収益の成長予測

NasdaqGS:OPRT - アナリストの将来予測と過去の財務データ ( )USD Millions
日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数
12/31/20281,050131N/AN/A1
12/31/202798977-764356
12/31/202694351-174236
3/31/202672718391416N/A
12/31/202572525389413N/A
9/30/202571331372396N/A
6/30/2025725-5383405N/A
3/31/2025746-42387409N/A
12/31/2024764-79374394N/A
9/30/2024797-129389408N/A
6/30/2024824-120386407N/A
3/31/2024853-104379402N/A
12/31/2023878-180362393N/A
9/30/2023893-147338375N/A
6/30/2023895-231292336N/A
3/31/2023879-225236286N/A
12/31/2022859-78199248N/A
9/30/2022816-55174219N/A
6/30/202274174163201N/A
3/31/202265890152184N/A
12/31/202157947137163N/A
9/30/20215244297117N/A
6/30/20214991393113N/A
3/31/2021500-2999119N/A
12/31/2020525-45131153N/A
9/30/2020548-49162191N/A
6/30/2020564-71184214N/A
3/31/2020558-11195223N/A
12/31/20195444N/A218N/A
9/30/20195234N/A205N/A
6/30/201949334N/A166N/A
3/31/201947347N/A151N/A
12/31/201843317N/A138N/A
9/30/20183663N/A139N/A
6/30/20183130N/A150N/A
3/31/2018265-39N/A144N/A
12/31/2017226-10N/A139N/A
12/31/20161784N/A114N/A
12/31/2015124N/AN/A76N/A

アナリストによる今後の成長予測

収入対貯蓄率: OPRTの予測収益成長率 (年間52.2% ) は 貯蓄率 ( 3.5% ) を上回っています。

収益対市場: OPRTの収益 ( 52.2% ) はUS市場 ( 16.8% ) よりも速いペースで成長すると予測されています。

高成長収益: OPRTの収益は今後 3 年間で 大幅に 増加すると予想されています。

収益対市場: OPRTの収益 ( 13.8% ) US市場 ( 11.7% ) よりも速いペースで成長すると予測されています。

高い収益成長: OPRTの収益 ( 13.8% ) 20%よりも低い成長が予測されています。

一株当たり利益成長率予想

将来の株主資本利益率

将来のROE: OPRTの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です

成長企業の発掘

7D

1Y

7D

1Y

7D

1Y

企業分析と財務データの現状

データ最終更新日（UTC時間）
企業分析2026/05/22 04:29
終値2026/05/22 00:00
収益2026/03/31
年間収益2025/12/31

データソース

企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。

パッケージデータタイムフレーム米国ソース例
会社財務10年
  • 損益計算書
  • キャッシュ・フロー計算書
  • 貸借対照表
アナリストのコンセンサス予想+プラス3年
  • 予想財務
  • アナリストの目標株価
市場価格30年
  • 株価
  • 配当、分割、措置
所有権10年
  • トップ株主
  • インサイダー取引
マネジメント10年
  • リーダーシップ・チーム
  • 取締役会
主な進展10年
  • 会社からのお知らせ

* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。

特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。

分析モデルとスノーフレーク

本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。

シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。

業界およびセクターの指標

私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。

アナリスト筋

Oportun Financial Corporation 6 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。9

アナリスト機関
Mark DeVriesBarclays
Mark DeVriesBarclays
Harold GoetschB. Riley Securities, Inc.