OPRT logo

OPORTUN FINANCIAL CORP

OPRTNASDAQ
🏆 #3164 by market capUS Equity
$417.04▲ $30.03 (+7.20%)
Simulated price
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24h▲ 7.2%
7d▲ 4939.8%
14d▲ 5192.4%
30d▲ 5566.3%
ytd▲ 7791.0%
1y▲ 6615.6%
🏦Market Cap
$392M
Small Cap
📈Revenue Growth (YoY)
+19.5%
Healthy
📊Gross Margin
70.2%
High
💵FCF Margin
59.6%
Strong
⚖️P/S Ratio
0.6x
Cheap
Otter Score
52
Weak

Trading Snapshot

Day Range
$413.51 – $421.48
52-Week Range
$4.03 – $8.66
Volume
$2.52B
Avg Volume
$2.93B
Shares Outstanding
45.9M
Next Earnings
Dec 16, 2026

Fundamentals Snapshot

Annual Revenue
$637M
Last Q Revenue
$233M
P/E Ratio
21.4
P/S Ratio
0.6x
EPS (TTM)
$0.40
Dividend Yield
0.00%
Dilution (1yr)
+10.6%

Why Investors Own OPRT

  • ✓High-growth profile — revenue up +28.5% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 26% gross margin and 26% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

OPRT logo

OPORTUN FINANCIAL CORP

OPRT
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$637M▲ +19.5% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
63.7%▲ +15.0% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$44M▼ −138.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$389M▲ +3.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
48.2M▲ +10.6% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$2.7B▲ +$57M YoY
StockOtter · stockotter.space

About OPORTUN FINANCIAL CORP

This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options. Customers can access their offerings through diverse channels, including digital platforms, over the phone, or by visiting their physical retail locations. The company's operations span 24 states across the United States, with its footprint reaching areas such as Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Founded in 2005, its corporate headquarters are located in San Carlos, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Weak
52/100

Analyst Price Target

ⓘ
Average Target
$431.67
▲ +3.5% Upside
High Target$481.56
Low Target$357.40
Based on 26 analysts

Latest News & Updates

🚀
Barron’s·2h ago

OPORTUN FINANCIAL CORP tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Barron’s·5h ago

Analysts lift OPRT price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Reuters·1d ago

OPORTUN FINANCIAL CORP announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.