OPRT Share Price Performance
US$4.45
-1.72 (-27.88%)
46.6% undervalued intrinsic discount
US$8.33
Fair Value
Price US$4.45
AnalystConsensusTarget US$8.33
AnalystHighTarget US$11.00
AnalystLowTarget US$5.50
Fair ValueUS$8.33
Share Pricen/a
Oportun Financial Corporation Stock Price
- 3 Narratives written by author
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- 12 Fair Values set on narratives written by author
OPRT Community Narratives
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Fair Value US$8.33 46.6% undervalued intrinsic discount
Advanced Data Analytics And Digital Lending Will Secure Enduring Success
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Fair Value US$11 59.5% undervalued intrinsic discount
Digitalization And Inclusion Will Transform Underserved Lending
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Fair Value US$5.5 19.1% undervalued intrinsic discount
High Subprime Risks Will Limit Margins Yet Spark Recovery
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Advanced Data Analytics And Digital Lending Will Secure Enduring Success
Key Takeaways Enhanced data analytics and digital investments are improving underwriting, operating efficiency, and profitability by reducing losses and costs as the business scales. Expansion into underserved consumer segments, optimized securitizations, and a disciplined lending strategy are driving sustainable growth, market share gains, and stronger customer retention.Read more
29
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AN
US$8.33
46.6% undervalued intrinsic discount
Fair Value
Revenue
13.8% p.a.
Profit Margin
12.98%
Future PE
4.6x
Price in 2029
US$8.58
High Subprime Risks Will Limit Margins Yet Spark Recovery
Key Takeaways Heavy exposure to subprime borrowers and rising competition threaten future margins, growth, and customer retention despite digital expansion and underwriting improvements. Success is constrained by high compliance costs, leverage, and regulatory risk, limiting profitability even as fintech adoption and financial inclusion trends present growth opportunities.Read more
6
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AN
US$5.5
19.1% undervalued intrinsic discount
Fair Value
Revenue
17.05% p.a.
Profit Margin
6.83%
Future PE
5.39x
Price in 2029
US$5.85
Digitalization And Inclusion Will Transform Underserved Lending
Key Takeaways AI-driven underwriting and digital efficiencies are set to accelerate growth, lower loss rates, and structurally improve margins beyond current expectations. Targeting underserved markets and benefiting from regulatory shifts and digitalization positions Oportun for outsized customer growth and sustained profitability.Read more
4
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AN
US$11
59.5% undervalued intrinsic discount
Fair Value
Profit Margin
10.5%
Future PE
6.54x
Price in 2028
US$15.32
Trending Discussion
Recently Updated Narratives
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OPRT: Neutral Upgrade And Peer Alignment Will Reset Expectations For Upside
Fair Value: US$8.33 46.6% undervalued intrinsic discount
8 followersusers have followed this narrative
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OPRT: Valuation Driven Rating Shift Will Temper 2025 Profitability Concerns
Fair Value: US$5.5 19.1% undervalued intrinsic discount
2 followersusers have followed this narrative
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Digitalization And Inclusion Will Transform Underserved Lending
Fair Value: US$11 59.5% undervalued intrinsic discount
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Snowflake Analysis
Oportun Financial Corporation Key Details
About OPRT
- Founded
- 2005
- Employees
- 2447
- CEO
- WebsiteView website
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.
