Oportun Financial Corporation (OPRT) Stock

Oportun Financial Corporation (OPRT) is a Financials stock trading at $7.33 (as of 2026-08-20), with a market capitalization of $337.32M and a trailing P/E of 18.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Oportun Financial Corporation is a financial services company offering personal loans, auto loans, and credit cards. It serves consumers through online and phone channels and through retail locations across multiple U.S. states, with operations in 24 states.

Understand Oportun Financial Corporation: how it makes money

Oportun provides personal loans, auto loans, and credit cards to consumers, and it serves customers online, over the phone, and through retail locations.

Oportun's profit model is primarily the spread between the yield it earns on its loan and credit portfolios (Portfolio Yield and Weighted Average Yield) and the losses it takes from nonpayment (Annualized Net Charge-Off Rate and Thirty Plus Day Delinquency Rate), after accounting for operating costs (Operating Expense Ratio).

Business quality (Weak): The available disclosures focus on credit performance and portfolio size (charge offs, delinquencies, principal balances) rather than detailed product revenue breakdowns, so you can track the credit and cost engine well, but segment-level clarity is limited.

Valuation: At 16× earnings, OPRT trades 23% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Credit performance is measurable through Annualized Net Charge-Off Rate of 12.7% and Thirty Plus Day Delinquency Rate of 4.5%: Investors have clear operational indicators that connect portfolio risk to results.
  • Portfolio scale is tracked via Managed Principal Balance of 3.0 USD_B: The business model is observable as loan and credit balances expand or contract.

Bear case

  • Credit losses are elevated, with Annualized Net Charge-Off Rate at 12.7%: If losses rise further, profitability can be pressured even if yields remain stable.
  • Delinquency is also a key risk signal, with Thirty Plus Day Delinquency Rate at 4.5%: Higher delinquency can precede higher charge offs.
  • Operating costs are not negligible, with Operating Expense Ratio at 13.6%: The company needs to earn sufficient yield after credit losses to cover ongoing expenses.
Valuation — source: SEC EDGAR (first-party)
Price$7.33
Market Cap$337.32M
P/E Ratio18.3
EV / EBITDA2.2
Price / Book0.83
Price / Sales0.36
DCF Value (model)$7.03
DCF Upside vs Price-4.2%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$956.68M
Net Margin2.6%
Revenue Growth (YoY)-4.5%
EPS Growth (YoY)-127.7%
Valuation vs Sector & Industry
Stock P/E18.3
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector21.0%
vs Industry41.7%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderNEUBERGER BERMAN GROUP LLC ($17.56M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEORaul Vazquez
Employees2,312
CountryUS
IPO Date2019-09-26

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OPRT earnings history · OPRT institutional & insider holders · OPRT KPIs & operating metrics · OPRT financials · OPRT investor presentations & press releases · OPRT SEC filings · OPRT peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.