Symbols / OPRT $5.88 +10.11% Oportun Financial Corporation

Financial Services • Credit Services • United States • NMS
OPRT Chart
About

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.

Fundamentals
Scroll to Statements
Sector Financial Services Industry Credit Services Market Cap 261.66M
Enterprise Value 2.97B Income 25.25M Sales 725.18M
Book/sh 8.78 Cash/sh 2.34 Dividend Yield —
Payout 0.00% Employees 2405 IPO —
P/E 11.09 Forward P/E 3.10 PEG —
P/S 0.36 P/B 0.67 P/C —
EV/EBITDA — EV/Sales 4.09 Quick Ratio 6.26
Current Ratio 6.48 Debt/Eq 720.61 LT Debt/Eq —
EPS (ttm) 0.53 EPS next Y 1.90 EPS Growth -64.80%
Revenue Growth 7.10% Earnings 2026-05-07 ROA 0.78%
ROE 6.79% ROIC — Gross Margin 95.20%
Oper. Margin 10.66% Profit Margin 3.48% Shs Outstand 44.50M
Shs Float 27.71M Short Float 4.18% Short Ratio 2.41
Short Interest — 52W High 7.96 52W Low 4.03
Beta 1.14 Avg Volume 593.45K Volume 827.66K
Target Price $7.92 Recom Buy Prev Close $5.34
Price $5.88 Change 10.11%
Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$7.92
Mean price target
2. Current target
$5.88
Latest analyst target
3. DCF / Fair value
$7.95
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$5.88
Low
$5.00
High
$11.00
Mean
$7.92

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-09 main JP Morgan Neutral → Neutral $5
2026-02-27 reit BTIG Buy → Buy $9
2026-01-12 up JP Morgan Underweight → Neutral $6
2025-12-04 main JP Morgan Underweight → Underweight $6
2025-10-07 down JP Morgan Neutral → Underweight $6
2025-07-11 main JP Morgan Neutral → Neutral $8
2025-04-08 main JP Morgan Neutral → Neutral $5
2025-02-14 reit JMP Securities Market Perform → Market Perform —
2024-08-12 reit JMP Securities — → Market Perform —
2024-05-13 reit JMP Securities — → Market Perform —
2024-04-24 main B. Riley Securities Buy → Buy $8
2024-03-15 down JMP Securities Market Outperform → Market Perform —
2024-03-14 main Keefe, Bruyette & Woods Market Perform → Market Perform $4
2024-03-14 down Jefferies Buy → Hold $4
2024-03-13 reit JMP Securities Market Outperform → Market Outperform $7
2023-11-28 reit JMP Securities Market Outperform → Market Outperform $7
2023-11-07 main JP Morgan Neutral → Neutral $7
2023-10-17 down JP Morgan Overweight → Neutral $8
2023-10-10 main Jefferies Buy → Buy $9
2023-08-15 main B. Riley Securities Buy → Buy $13
News
RSS: Latest OPRT news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-10 KIRSCHT PATRICK Officer — 75,047 $0.00 $0
2026-03-10 KIRSCHT PATRICK Officer — 54,299 $4.90 $266,065
2026-03-10 LAYTON KATHLEEN I Officer — 70,357 $0.00 $0
2026-03-10 LAYTON KATHLEEN I Officer — 19,355 $4.90 $94,840
2025-12-31 KIRSCHT PATRICK Officer — 95,603 $0.00 $0
2025-12-31 SCHUELLER JOSEPH ANDREW Officer — 45,890 $0.00 $0
2025-12-31 LAYTON KATHLEEN I Officer — 86,043 $0.00 $0
2025-09-10 SCHUELLER JOSEPH ANDREW Officer — 28,090 $0.00 $0
2025-09-10 LAYTON KATHLEEN I Officer — 4,214 $6.64 $27,981
2025-08-21 MIRAMONTES LOUIS P. Director — 3,644 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
405.84
+37.48%
295.20
+5.18%
280.67
-56.19%
640.66
Operating Revenue
405.84
+37.48%
295.20
+5.18%
280.67
-56.19%
640.66
Selling General And Administration
184.53
-11.01%
207.36
-23.06%
269.51
-16.75%
323.72
Selling And Marketing Expense
70.60
+5.41%
66.97
-11.04%
75.28
-31.58%
110.03
General And Administrative Expense
113.93
-18.84%
140.38
-27.72%
194.23
-9.11%
213.69
Salaries And Wages
79.95
-8.28%
87.17
-28.46%
121.84
-21.32%
154.85
Other Gand A
33.98
-36.15%
53.22
-26.48%
72.39
+23.02%
58.84
Reconciled Depreciation
41.41
-19.05%
51.16
-6.79%
54.88
+15.47%
47.53
Total Unusual Items
—
—
0.00
+100.00%
-108.47
Total Unusual Items Excluding Goodwill
—
—
0.00
+100.00%
-108.47
Special Income Charges
—
—
0.00
+100.00%
-108.47
Impairment Of Capital Assets
—
—
0.00
-100.00%
108.47
Net Income
25.25
+132.09%
-78.68
+56.28%
-179.95
-131.47%
-77.74
Pretax Income
44.08
+138.27%
-115.18
+54.59%
-253.65
-236.92%
-75.29
Net Interest Income
679.13
-4.55%
711.53
-11.63%
805.16
+2.32%
786.91
Interest Expense
231.50
-2.79%
238.16
+32.74%
179.41
+92.82%
93.05
Interest Income
910.64
-4.11%
949.69
-3.54%
984.57
+11.89%
879.95
Gain On Sale Of Security
-8.93
-174.46%
11.99
+263.60%
3.30
+127.52%
-11.99
Tax Provision
18.83
+151.60%
-36.49
+50.48%
-73.70
-3098.45%
2.46
Tax Rate For Calcs
0.00
-33.72%
0.00
+8.89%
0.00
+38.57%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
+100.00%
-22.78
Net Income Including Noncontrolling Interests
25.25
+132.09%
-78.68
+56.28%
-179.95
-131.47%
-77.74
Net Income From Continuing Operation Net Minority Interest
25.25
+132.09%
-78.68
+56.28%
-179.95
-131.47%
-77.74
Net Income From Continuing And Discontinued Operation
25.25
+132.09%
-78.68
+56.28%
-179.95
-131.47%
-77.74
Net Income Continuous Operations
25.25
+132.09%
-78.68
+56.28%
-179.95
-131.47%
-77.74
Normalized Income
25.25
+132.09%
-78.68
+56.28%
-179.95
-2363.85%
7.95
Net Income Common Stockholders
25.25
+132.09%
-78.68
+56.28%
-179.95
-131.47%
-77.74
Diluted EPS
0.53
+127.18%
-1.95
+60.04%
-4.88
-105.91%
-2.37
Basic EPS
0.54
+127.69%
-1.95
+60.04%
-4.88
-105.91%
-2.37
Basic Average Shares
46.42
+15.02%
40.36
+9.44%
36.88
+12.34%
32.83
Diluted Average Shares
47.86
+17.14%
40.86
+10.80%
36.88
+12.34%
32.83
Diluted NI Availto Com Stockholders
25.25
+132.09%
-78.68
+56.28%
-179.95
-131.47%
-77.74
Other Non Interest Expense
142.44
-14.28%
166.18
-24.26%
219.41
+1.52%
216.12
Professional Expense And Contract Services Expense
34.80
-5.57%
36.85
-18.84%
45.40
-32.87%
67.63
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
3,257.86
+0.95%
3,227.10
-5.42%
3,411.89
-5.58%
3,613.70
Cash And Cash Equivalents
105.53
+75.97%
59.97
-34.24%
91.19
-7.72%
98.82
Receivables
8.08
-3.75%
8.39
-4.43%
8.78
-21.06%
11.12
Accounts Receivable
—
—
—
31.80
Other Receivables
8.08
-3.75%
8.39
-4.43%
8.78
-21.06%
11.12
Prepaid Assets
11.65
+0.21%
11.62
-26.24%
15.76
-34.80%
24.17
Net PPE
11.51
-9.69%
12.75
-54.62%
28.10
-31.43%
40.97
Gross PPE
50.80
+0.82%
50.38
-28.08%
70.05
-10.95%
78.66
Accumulated Depreciation
-39.28
-4.38%
-37.63
+10.30%
-41.95
-11.32%
-37.69
Machinery Furniture Equipment
—
—
—
—
Other Properties
50.80
+0.82%
50.38
-28.08%
70.05
-10.95%
78.66
Leases
—
—
—
—
Goodwill And Other Intangible Assets
71.70
-17.20%
86.59
-24.53%
114.73
-17.93%
139.80
Goodwill
—
—
—
0.00
Other Intangible Assets
71.70
-17.20%
86.59
-24.53%
114.73
-17.93%
139.80
Total Liabilities Net Minority Interest
2,867.77
-0.19%
2,873.29
-4.46%
3,007.48
-1.91%
3,066.10
Payables And Accrued Expenses
29.95
-14.32%
34.95
-29.82%
49.80
-6.55%
53.29
Payables
22.89
+1.69%
22.51
-10.00%
25.01
-7.71%
27.10
Accounts Payable
17.44
-1.02%
17.62
+28.56%
13.70
-24.36%
18.11
Other Payable
1.40
-20.41%
1.76
-57.81%
4.17
+35.67%
3.07
Current Accrued Expenses
7.05
-43.30%
12.44
-49.82%
24.79
-5.35%
26.19
Employee Benefits
23.17
+89.84%
12.21
-20.52%
15.36
+22.85%
12.50
Total Tax Payable
4.05
+29.30%
3.14
-56.07%
7.14
+20.75%
5.91
Income Tax Payable
4.05
+29.30%
3.14
-56.07%
7.14
+20.75%
5.91
Current Debt And Capital Lease Obligation
—
—
289.95
-8.70%
317.57
Current Debt
—
—
289.95
-8.70%
317.57
Long Term Debt And Capital Lease Obligation
2,810.96
-0.41%
2,822.44
-3.95%
2,938.55
-0.93%
2,966.07
Long Term Debt
2,799.49
-0.17%
2,804.24
-3.64%
2,910.17
-0.61%
2,928.12
Long Term Capital Lease Obligation
11.47
-36.99%
18.20
-35.86%
28.38
-25.22%
37.95
Non Current Deferred Liabilities
—
—
—
30.57
Non Current Deferred Taxes Liabilities
—
—
—
30.57
Stockholders Equity
390.08
+10.25%
353.81
-12.51%
404.40
-26.15%
547.60
Common Stock Equity
390.08
+10.25%
353.81
-12.51%
404.40
-26.15%
547.60
Capital Stock
0.01
+14.29%
0.01
+0.00%
0.01
+0.00%
0.01
Common Stock
0.01
+14.29%
0.01
+0.00%
0.01
+0.00%
0.01
Share Issued
44.71
+22.88%
36.38
+4.73%
34.74
+3.31%
33.63
Ordinary Shares Number
44.44
+23.05%
36.11
+4.77%
34.47
+3.34%
33.35
Treasury Shares Number
0.27
+0.00%
0.27
+0.00%
0.27
+0.00%
0.27
Additional Paid In Capital
623.67
+1.80%
612.64
+4.80%
584.55
+6.71%
547.80
Retained Earnings
-227.28
+10.00%
-252.53
-45.26%
-173.85
-2949.05%
6.10
Treasury Stock
6.31
+0.00%
6.31
+0.00%
6.31
+0.00%
6.31
Total Equity Gross Minority Interest
390.08
+10.25%
353.81
-12.51%
404.40
-26.15%
547.60
Total Capitalization
3,189.58
+1.00%
3,158.05
-4.72%
3,314.57
-4.64%
3,475.72
Invested Capital
3,189.58
+1.00%
3,158.05
-4.72%
3,314.57
-4.64%
3,475.72
Total Debt
2,810.96
-0.41%
2,822.44
-3.95%
2,938.55
-0.93%
2,966.07
Net Debt
2,693.97
-1.83%
2,744.28
-2.65%
2,818.98
-0.36%
2,829.30
Capital Lease Obligations
11.47
-36.99%
18.20
-35.86%
28.38
-25.22%
37.95
Net Tangible Assets
318.38
+19.15%
267.22
-7.75%
289.67
-28.97%
407.80
Tangible Book Value
318.38
+19.15%
267.22
-7.75%
289.67
-28.97%
407.80
Cash Cash Equivalents And Federal Funds Sold
198.93
-7.31%
214.62
+4.18%
206.02
+1.08%
203.82
Line Of Credit
—
—
289.95
-8.70%
317.57
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
413.41
+5.05%
393.52
+0.19%
392.76
+58.45%
247.88
Cash Flow From Continuing Operating Activities
413.41
+5.05%
393.52
+0.19%
392.76
+58.45%
247.88
Net Income From Continuing Operations
25.25
+132.09%
-78.68
+56.28%
-179.95
-131.47%
-77.74
Depreciation Amortization Depletion
41.41
-19.05%
51.16
-6.79%
54.88
+15.47%
47.53
Depreciation And Amortization
41.41
-19.05%
51.16
-6.79%
54.88
+15.47%
47.53
Other Non Cash Items
24.65
+202.38%
-24.08
+64.62%
-68.07
-809.58%
9.59
Stock Based Compensation
10.69
-17.73%
12.99
-30.14%
18.59
-32.68%
27.62
Asset Impairment Charge
—
—
0.00
-100.00%
108.47
Deferred Tax
—
—
—
0.00
Deferred Income Tax
—
—
—
0.00
Operating Gains Losses
313.70
-32.16%
462.40
-21.41%
588.36
+176.04%
213.14
Change In Working Capital
-2.29
+92.42%
-30.26
-43.77%
-21.05
+73.93%
-80.74
Change In Receivables
—
—
—
—
Change In Other Current Assets
—
—
—
—
Change In Other Current Liabilities
—
—
—
—
Investing Cash Flow
-369.73
-90.89%
-193.69
+32.32%
-286.18
+75.57%
-1,171.55
Cash Flow From Continuing Investing Activities
-369.73
-90.89%
-193.69
+32.32%
-286.18
+75.57%
-1,171.55
Capital Expenditure
-24.33
-26.80%
-19.19
+38.62%
-31.26
+36.06%
-48.89
Capital Expenditure Reported
-24.33
-26.80%
-19.19
+38.62%
-31.26
+36.06%
-48.89
Net Business Purchase And Sale
—
—
—
0.00
Purchase Of Business
—
—
—
0.00
Net Other Investing Changes
-0.97
-9.59%
-0.89
+38.56%
-1.44
+75.95%
-6.00
Financing Cash Flow
-59.38
+68.95%
-191.22
-83.19%
-104.39
-111.17%
934.53
Cash Flow From Continuing Financing Activities
-59.38
+68.95%
-191.22
-83.19%
-104.39
-111.17%
934.53
Net Issuance Payments Of Debt
-55.72
+68.73%
-178.18
-80.04%
-98.97
-110.40%
951.38
Issuance Of Debt
2,869.91
+65.25%
1,736.73
+83.69%
945.46
-70.77%
3,234.06
Repayment Of Debt
-2,925.64
-52.78%
-1,914.91
-83.35%
-1,044.43
+54.25%
-2,282.68
Long Term Debt Issuance
2,869.91
+65.25%
1,736.73
+83.69%
945.46
-70.77%
3,234.06
Long Term Debt Payments
-2,925.64
-52.78%
-1,914.91
-83.35%
-1,044.43
+54.25%
-2,282.68
Net Long Term Debt Issuance
-55.72
+68.73%
-178.18
-80.04%
-98.97
-110.40%
951.38
Net Other Financing Charges
-3.65
+71.99%
-13.04
-140.68%
-5.42
+67.85%
-16.85
Changes In Cash
-15.69
-282.26%
8.61
+291.50%
2.20
-79.75%
10.86
Beginning Cash Position
214.62
+4.18%
206.02
+1.08%
203.82
+5.63%
192.96
End Cash Position
198.93
-7.31%
214.62
+4.18%
206.02
+1.08%
203.82
Free Cash Flow
389.08
+3.94%
374.33
+3.55%
361.50
+81.68%
198.98
Interest Paid Supplemental Data
194.72
-9.00%
213.97
+16.31%
183.97
+114.48%
85.78
Income Tax Paid Supplemental Data
2.85
+173.06%
1.04
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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