Oportun Financial Corporation

NasdaqGS:OPRT 주식 리포트

시가총액: US$247.9m

Oportun Financial 향후 성장

Future 기준 점검 4/6

Oportun Financial은 연간 수입과 매출이 각각 52.2%와 13.8% 증가할 것으로 예상되고 EPS는 연간 50.1%만큼 증가할 것으로 예상됩니다.

핵심 정보

52.2%

이익 성장률

50.11%

EPS 성장률

Consumer Finance 이익 성장19.1%
매출 성장률13.8%
향후 자기자본이익률n/a
애널리스트 커버리지

Good

마지막 업데이트19 May 2026

최근 향후 성장 업데이트

Recent updates

내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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.
내러티브 업데이트 • 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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새로운 내러티브 • 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

이익 및 매출 성장 예측

NasdaqGS:OPRT - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)
날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수
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

애널리스트 향후 성장 전망

수입 대 저축률: OPRT 의 연간 예상 수익 증가율(52.2%)이 saving rate(3.5%)보다 높습니다.

수익 vs 시장: OPRT 의 연간 수익(52.2%)이 US 시장(16.7%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 수익: OPRT 의 수입은 향후 3년 동안 상당히 증가할 것으로 예상됩니다.

수익 대 시장: OPRT 의 수익(연간 13.8%)이 US 시장(연간 11.7%)보다 빠르게 성장할 것으로 예상됩니다.

고성장 매출: OPRT 의 수익(연간 13.8%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.

주당순이익 성장 예측

향후 자기자본이익률

미래 ROE: OPRT의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.

성장 기업 찾아보기

7D

1Y

7D

1Y

7D

1Y

기업 분석 및 재무 데이터 상태

데이터최종 업데이트 (UTC 시간)
기업 분석2026/05/22 21:35
종가2026/05/22 00:00
수익2026/03/31
연간 수익2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지데이터기간미국 소스 예시 *
기업 재무제표10년
  • 손익계산서
  • 현금흐름표
  • 대차대조표
분석가 컨센서스 추정치+3년
  • 재무 예측
  • 분석가 목표주가
시장 가격30년
  • 주가
  • 배당, 분할 및 기타 조치
지분 구조10년
  • 주요 주주
  • 내부자 거래
경영진10년
  • 리더십 팀
  • 이사회
주요 개발10년
  • 회사 공시

* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.

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산업 및 섹터 지표

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분석가 소스

Oportun Financial Corporation는 9명의 분석가가 다루고 있습니다. 이 중 6명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가기관
Mark DeVriesBarclays
Mark DeVriesBarclays
Harold GoetschB. Riley Securities, Inc.