Oportun Financial Corporation

NasdaqGS:OPRT Stock Report

Market Cap: US$247.9m

Oportun Financial Future Growth

Future criteria checks 4/6

Oportun Financial is forecast to grow earnings and revenue by 52.2% and 13.8% per annum respectively while EPS is expected to grow by 50.1% per annum.

Key information

52.2%

Earnings growth rate

50.11%

EPS growth rate

Consumer Finance earnings growth19.1%
Revenue growth rate13.8%
Future return on equityn/a
Analyst coverage

Good

Last updated19 May 2026

Recent future growth updates

Recent updates

Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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.
Narrative Update • 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.
User avatar
New Narrative • 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

Earnings and Revenue Growth Forecasts

NasdaqGS:OPRT - Analysts future estimates and past financials data (USD Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
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

Analyst Future Growth Forecasts

Earnings vs Savings Rate: OPRT's forecast earnings growth (52.2% per year) is above the savings rate (3.5%).

Earnings vs Market: OPRT's earnings (52.2% per year) are forecast to grow faster than the US market (16.7% per year).

High Growth Earnings: OPRT's earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: OPRT's revenue (13.8% per year) is forecast to grow faster than the US market (11.7% per year).

High Growth Revenue: OPRT's revenue (13.8% per year) is forecast to grow slower than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: Insufficient data to determine if OPRT's Return on Equity is forecast to be high in 3 years time

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/22 04:07
End of Day Share Price 2026/05/22 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Oportun Financial Corporation is covered by 9 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

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