Oportun Financial Toekomstige groei
Future criteriumcontroles 4/6
De verwachting is dat Oportun Financial de winst en omzet met respectievelijk 52.2% en 13.8% per jaar zal laten groeien, terwijl de winst per aandeel naar verwachting zal groeien met 50.1% per jaar.
Belangrijke informatie
52.2%
Groei van de winst
50.11%
Groei van de winst per aandeel
| Consumer Finance winstgroei | 19.1% |
| Inkomstengroei | 13.8% |
| Toekomstig rendement op eigen vermogen | n/a |
| Dekking van analisten | Good |
| Laatst bijgewerkt | 19 May 2026 |
Recente toekomstige groei-updates
Recent updates
Narratiefupdate • 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.
Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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 AlphaNarratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Narratiefupdate • 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.Nieuw narratief • 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 AlphaWinst- en omzetgroeiprognoses
| Datum | Inkomsten | Inkomsten | Vrije kasstroom | Geldmiddelen uit operationele activiteiten | Gem. Aantal analisten |
|---|---|---|---|---|---|
| 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 |
Toekomstige groeivoorspellingen analisten
Verdiensten versus spaarpercentage: De verwachte winstgroei OPRT ( 52.2% per jaar) ligt boven de spaarquote ( 3.5% ).
Winst versus markt: De winst van OPRT ( 52.2% per jaar) zal naar verwachting sneller groeien dan de US markt ( 16.7% per jaar).
Hoge groeiwinsten: De winst van OPRT zal naar verwachting de komende 3 jaar aanzienlijk groeien.
Omzet versus markt: De omzet van OPRT ( 13.8% per jaar) zal naar verwachting sneller groeien dan de markt US ( 11.7% per jaar).
Hoge groei-inkomsten: De omzet van OPRT ( 13.8% per jaar) zal naar verwachting langzamer groeien dan 20% per jaar.
Groeiprognoses winst per aandeel
Toekomstig rendement op eigen vermogen
Toekomstige ROE: Onvoldoende gegevens om te bepalen of het rendement op eigen vermogen van OPRT naar verwachting over 3 jaar hoog zal zijn
Ontdek groeibedrijven
Bedrijfsanalyse en status van financiële gegevens
| Gegevens | Laatst bijgewerkt (UTC-tijd) |
|---|---|
| Bedrijfsanalyse | 2026/05/22 02:19 |
| Aandelenkoers aan het einde van de dag | 2026/05/22 00:00 |
| Inkomsten | 2026/03/31 |
| Jaarlijkse inkomsten | 2025/12/31 |
Gegevensbronnen
De gegevens die gebruikt zijn in onze bedrijfsanalyse zijn afkomstig van S&P Global Market Intelligence LLC. De volgende gegevens worden gebruikt in ons analysemodel om dit rapport te genereren. De gegevens zijn genormaliseerd, waardoor er een vertraging kan optreden voordat de bron beschikbaar is.
| Pakket | Gegevens | Tijdframe | Voorbeeld Amerikaanse bron * |
|---|---|---|---|
| Financiële gegevens bedrijf | 10 jaar |
| |
| Consensus schattingen analisten | +3 jaar |
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| Marktprijzen | 30 jaar |
| |
| Eigendom | 10 jaar |
| |
| Beheer | 10 jaar |
| |
| Belangrijkste ontwikkelingen | 10 jaar |
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* Voorbeeld voor effecten uit de VS, voor niet-Amerikaanse effecten worden gelijkwaardige formulieren en bronnen gebruikt.
Tenzij anders vermeld zijn alle financiële gegevens gebaseerd op een jaarperiode, maar worden ze elk kwartaal bijgewerkt. Dit staat bekend als Trailing Twelve Month (TTM) of Last Twelve Month (LTM) gegevens. Meer informatie.
Analysemodel en Snowflake
Details van het analysemodel dat is gebruikt om dit rapport te genereren zijn beschikbaar op onze Github-pagina. We hebben ook handleidingen over hoe je onze rapporten kunt gebruiken en tutorials op YouTube.
Leer meer over het team van wereldklasse dat het Simply Wall St-analysemodel heeft ontworpen en gebouwd.
Industrie en sector
Onze industrie- en sectormetrics worden elke 6 uur berekend door Simply Wall St, details van ons proces zijn beschikbaar op Github.
Bronnen van analisten
Oportun Financial Corporation wordt gevolgd door 9 analisten. 6 van deze analisten hebben de schattingen van de omzet of winst ingediend die zijn gebruikt als input voor ons rapport. Inzendingen van analisten worden de hele dag door bijgewerkt.
| Analist | Instelling |
|---|---|
| Mark DeVries | Barclays |
| Mark DeVries | Barclays |
| Harold Goetsch | B. Riley Securities, Inc. |