Oportun Financial Framtida tillväxt
Future kriterier kontrolleras 4/6
Oportun Financial förväntas öka vinsten och intäkterna med 52.2% och 13.8% per år respektive medan EPS förväntas växa med 50.1% per år.
Viktig information
52.2%
Tillväxttakt i vinsten
50.11%
Tillväxttakt för EPS
| Consumer Finance vinsttillväxt | 18.9% |
| Intäkternas tillväxttakt | 13.8% |
| Framtida avkastning på eget kapital | n/a |
| Bevakning av analytiker | Good |
| Senast uppdaterad | 19 May 2026 |
Senaste uppdateringarna om framtida tillväxt
Recent updates
Seeking Alpha • Jun 03
Oportun Financial: An Overlooked Opportunity, Trading At A Compelling Valuation
Summary Oportun trades at less than 3x P/E the 2027 consensus EPS estimate, reflecting a favorable risk/reward profile amid operational inflection. OPRT is strategically expanding secured personal loans, which offer superior unit economics—lower losses and higher revenue per loan versus unsecured products. The Company plans to launch risk-based pricing in 2H26, which we think will augment origination volume and be a catalyst for profitable growth. Doug Bland recently joined as CEO, having previously served as the Senior Vice President & General Manager for the Consumer Business at PayPal. Read the full article on Seeking Alpha
Uppdatering av berättelse • Jun 01
OPRT: Fair Value View Will Hinge On Credit Losses And Leadership Transition
Narrative Update on Oportun Financial Analysts have reduced their price target on Oportun Financial by $1, reflecting updated views on fair value, discount rate, revenue growth, profit margin, and future P/E assumptions. What's in the News Issued earnings guidance for the second quarter of 2026 with expected total revenue in the range of US$227 million to US$232 million.
Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Uppdatering av berättelse • 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.Ny berättelse • 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 AlphaPrognoser för vinst- och omsättningstillväxt
| Datum | Intäkter | Intäkter | Fritt kassaflöde | Kassaflöde från rörelsen | Genomsnittligt Antal analytiker |
|---|---|---|---|---|---|
| 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 |
Analytiker Framtid Tillväxt Prognoser
Intäkter kontra sparande: OPRT s prognostiserade vinsttillväxt ( 52.2% per år) är över sparkvoten ( 3.5% ).
Resultat vs marknad: OPRT s intäkter ( 52.2% per år) förväntas växa snabbare än marknaden för US ( 16.8% per år).
Höga tillväxtresultat: OPRT s intäkter förväntas växa avsevärt under de kommande 3 åren.
Intäkt vs marknad: OPRT s intäkter ( 13.8% per år) förväntas växa snabbare än US marknaden ( 11.8% per år).
Hög tillväxtintäkter: OPRT s intäkter ( 13.8% per år) förväntas växa långsammare än 20% per år.
Tillväxtprognoser för vinst per aktie
Framtida avkastning på eget kapital
Framtida ROE: Otillräcklig data för att avgöra om OPRT s avkastning på eget kapital förväntas bli hög om tre år
Upptäck tillväxtföretag
Företagsanalys och finansiella data Status
| Uppgifter | Senast uppdaterad (UTC-tid) |
|---|---|
| Analys av företag | 2026/06/07 07:21 |
| Aktiekurs vid dagens slut | 2026/06/05 00:00 |
| Intäkter | 2026/03/31 |
| Årlig intjäning | 2025/12/31 |
Datakällor
Den data som används i vår företagsanalys kommer från S&P Global Market Intelligence LLC. Följande data används i vår analysmodell för att generera denna rapport. Data är normaliserade vilket kan medföra en fördröjning från det att källan är tillgänglig.
| Paket | Uppgifter | Tidsram | Exempel US-källa |
|---|---|---|---|
| Företagets finansiella ställning | 10 år |
| |
| Analytikernas konsensusuppskattningar | +3 år |
|
|
| Marknadspriser | 30 år |
| |
| Ägarskap | 10 år |
| |
| Förvaltning | 10 år |
| |
| Viktiga utvecklingstendenser | 10 år |
|
* Exempel för amerikanska värdepapper, för icke-amerikanska värdepapper används motsvarande regelverk och källor.
Om inget annat anges är all finansiell data baserad på en årsperiod men uppdateras kvartalsvis. Detta kallas data för efterföljande tolv månader (TTM) eller senaste tolv månader (LTM). Lär dig mer om detta.
Analysmodell och snöflinga
Detaljer om analysmodellen som användes för att skapa den här rapporten finns på vår Github-sida, vi har också guider om hur du använder våra rapporter och tutorials på Youtube.
Lär dig mer om det team i världsklass som utformade och byggde analysmodellen Simply Wall St.
Industri- och sektormått
Våra bransch- och sektionsmått beräknas var sjätte timme av Simply Wall St, detaljer om vår process finns tillgängliga på Github.
Källor för analytiker
Oportun Financial Corporation bevakas av 8 analytiker. 6 av dessa analytiker lämnade de uppskattningar av intäkter eller resultat som användes som indata till vår rapport. Analytikernas inskickade estimat uppdateras löpande under dagen.
| Analytiker | Institution |
|---|---|
| Mark DeVries | Barclays |
| Harold Goetsch | B. Riley Securities, Inc. |
| Vincent Caintic | BTIG |