Oportun Financial (OPRT) Hisse Özeti
Oportun Financial Corporation, Amerika Birleşik Devletleri'nde finansal hizmetler sunmaktadır. Daha fazla detay
| Kar Tanesi Skoru | |
|---|---|
| Değerleme | 1/6 |
| Gelecekteki Büyüme | 4/6 |
| Geçmiş Performans | 3/6 |
| Finansal Sağlık | 2/6 |
| Temettüler | 0/6 |
OPRT Community Fair Values
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Analyst Price Targets
Oportun Financial Corporation Rakipler
Fiyat Geçmişi ve Performans
| Tarihsel hisse senedi fiyatları | |
|---|---|
| Güncel Hisse Fiyatı | US$5.45 |
| 52 Haftanın En Yüksek Seviyesi | US$7.97 |
| 52 Haftanın En Düşük Seviyesi | US$4.03 |
| Beta | 1.31 |
| 1 Aylık Değişim | -5.22% |
| 3 Aylık Değişim | 4.81% |
| 1 Yıllık Değişim | -11.38% |
| 3 Yıllık Değişim | -1.45% |
| 5 Yıllık Değişim | -71.44% |
| Halka arzdan bu yana değişim | -66.30% |
Son Haberler & Güncellemeler
Anlatı Güncellemesi • 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.
Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Recent updates
Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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 AlphaAnlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Anlatı Güncellemesi • 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.Yeni Anlatı • 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 AlphaHissedar Getirileri
| OPRT | US Consumer Finance | US Pazar | |
|---|---|---|---|
| 7D | 3.8% | -0.5% | 1.0% |
| 1Y | -11.4% | 7.7% | 28.7% |
Getiri vs. Endüstri: OPRT geçen yıl % 7.7 oranında getiri sağlayan US Consumer Finance sektörünün gerisinde kaldı.
Getiri vs Piyasa: OPRT geçen yıl % 28.7 oranında getiri sağlayan US Piyasasının altında performans gösterdi.
Fiyat Oynaklığı
| OPRT volatility | |
|---|---|
| OPRT Average Weekly Movement | 8.1% |
| Consumer Finance Industry Average Movement | 6.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.4% |
| 10% least volatile stocks in US Market | 3.1% |
İstikrarlı Hisse Senedi Fiyatı: OPRT son 3 ayda US piyasasına kıyasla önemli bir fiyat oynaklığı yaşamadı.
Zaman İçindeki Volatilite: OPRT 'nin haftalık oynaklığı ( 8% ) son bir yıldır istikrarlı seyretti.
Şirket Hakkında
| Kuruldu | Çalışanlar | CEO | Web sitesi |
|---|---|---|---|
| 2005 | 1,783 | Doug Bland | oportun.com |
Oportun Financial Corporation, Amerika Birleşik Devletleri'nde finansal hizmetler sunmaktadır. Şirket, bireysel krediler ve kredi kartları sunmaktadır. Müşterilere çevrimiçi ve telefon üzerinden, ayrıca perakende ve Hizmet ortağı olarak Borç Verme konumları aracılığıyla hizmet vermektedir.
Oportun Financial Corporation Temel Bilgiler Özeti
| OPRT temel i̇stati̇sti̇kler | |
|---|---|
| Piyasa değeri | US$247.90m |
| Kazançlar(TTM) | US$17.82m |
| Gelir(TTM) | US$727.47m |
14.0x
F/K Oranı0.3x
P/S OranıOPRT aşırı değerli mi?
Gerçeğe Uygun Değer ve değerleme analizine bakınızKazanç ve Gelir
| OPRT gelir tablosu (TTM) | |
|---|---|
| Gelir | US$727.47m |
| Gelir Maliyeti | US$35.49m |
| Brüt Kâr | US$691.98m |
| Diğer Giderler | US$674.16m |
| Kazançlar | US$17.82m |
Son Raporlanan Kazançlar
Mar 31, 2026
Sonraki Kazanç Tarihi
n/a
| Hisse başına kazanç (EPS) | 0.39 |
| Brüt Marj | 95.12% |
| Net Kâr Marjı | 2.45% |
| Borç/Özkaynak Oranı | 682.9% |
OPRT uzun vadede nasıl bir performans gösterdi?
Geçmiş performansı ve karşılaştırmayı görünŞirket Analizi ve Finansal Veri Durumu
| Veri | Son Güncelleme (UTC saati) |
|---|---|
| Şirket Analizi | 2026/05/22 16:45 |
| Gün Sonu Hisse Fiyatı | 2026/05/22 00:00 |
| Kazançlar | 2026/03/31 |
| Yıllık Kazançlar | 2025/12/31 |
Veri Kaynakları
Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.
| Paket | Veri | Zaman Çerçevesi | Örnek ABD Kaynağı * |
|---|---|---|---|
| Şirket Finansalları | 10 yıl |
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| Analist Konsensüs Tahminleri | +3 yıl |
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| Piyasa Fiyatları | 30 yıl |
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| Sahiplik | 10 yıl |
| |
| Yönetim | 10 yıl |
| |
| Önemli Gelişmeler | 10 yıl |
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* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılmıştır.
Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Daha fazla bilgi edinin.
Analiz Modeli ve Kar Tanesi
Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntılarına GitHub sayfamızdan ulaşabilirsiniz, ayrıca raporlarımızı nasıl kullanacağınızı anlatan kılavuzlarımız ve Youtube'da eğitim videolarımız da bulunmaktadır.
Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.
Endüstri ve Sektör Metrikleri
Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları Github'da mevcuttur.
Analist Kaynakları
Oportun Financial Corporation 9 Bu analistlerden 6, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.
| Analist | Kurum |
|---|---|
| Mark DeVries | Barclays |
| Mark DeVries | Barclays |
| Harold Goetsch | B. Riley Securities, Inc. |