Stocks · Financial Services · Financial - Credit Services
Oportun Financial Corporation OPRT
$8.35 +1.46% Close, Oct 2, 2026 · NASDAQ · Market cap $383.3M
Strong trendHigh risk
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 5.8% from -2.0% a year earlier.
- The shares trade at 20.8× trailing earnings, higher than 89% of the company's own readings over the past five years.
- Net debt is 32.5× EBITDA, a high level of leverage.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 34%
- FCF growth (TTM, YoY)Bottom 37%
- Revenue growth, 3-year CAGRBottom 4%
- Revenue growth accelerationTop 27%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 37%
- Gross marginTop 36%
- Operating marginBottom 15%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 8%
- Net debt / EBITDA (lower is better)Bottom 3%
- Interest coverBottom 14%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 40%
- Free-cash-flow yieldTop 1%
- EBITDA / enterprise valueBottom 30%
- Sales / enterprise valueBottom 32%
- P/E vs own 5-year history (lower is better)Bottom 16%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 32%
- 6-month returnTop 1%
- 1-year return vs S&P 500Top 14%
- Distance from 52-week highTop 16%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 14%
- Consecutive EPS beatsBottom 43%
- Share of analysts rating BuyBottom 46%
- Upside to consensus price targetBottom 7%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 5%
- Maximum drawdown, 3 yearsBottom 7%
- Beta vs S&P 500 (lower is better)Bottom 3%
- Net debt / EBITDA (lower is better)Bottom 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 9.6% | 12.0% | ↑ |
| Gross margin | 59.8% | 70.2% | ↑ |
| Operating margin | -2.0% | 5.8% | ↑ |
| FCF margin | 64.4% | 59.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 12.0% | 9.6% | ↑ | Top 34% |
| Gross margin | 70.2% | 59.8% | ↑ | Top 36% |
| Operating margin | 5.8% | -2.0% | ↑ | Bottom 15% |
| Net margin | 2.8% | -0.7% | ↑ | — |
| Free-cash-flow margin | 59.6% | 64.4% | ↓ | — |
| Return on invested capital | 0.6% | — | Bottom 37% | |
| Revenue growth, 3-year CAGR | -4.6% | — | Bottom 4% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -12.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -112.0 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 32.49×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.2×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- +2.2%
- Share count change, 3-year CAGR
- +10.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 1
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +20.6%
- Average 2-day reaction, last 8
- +0.7%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $8.00
- Target vs current price
- -4.2%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 44%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | +28.6% | +0.8% | +26.5% | +18.6% | — |
| May 7, 2026 | +0.0% | -1.0% | -8.8% | -17.0% | -0.2% |
| Feb 26, 2026 | +3.8% | -0.9% | -3.6% | -15.8% | -1.6% |
| Nov 4, 2025 | +50.0% | -4.3% | -11.6% | -4.3% | +1.1% |
| Aug 6, 2025 | +40.9% | +0.2% | -4.4% | +2.8% | -15.3% |
| May 8, 2025 | +344.4% | +10.6% | +28.6% | +18.5% | +10.1% |
| Feb 12, 2025 | +308.3% | +3.0% | +43.6% | +6.8% | +7.1% |
| Nov 12, 2024 | -50.0% | -2.8% | -0.6% | +18.7% | +75.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $0.42 | $0.33 | +28.6% | $233.2M |
| May 7, 2026 | $0.21 | $0.21 | +0.0% | $228.8M |
| Feb 26, 2026 | $0.27 | $0.26 | +3.8% | $247.7M |
| Nov 4, 2025 | $0.39 | $0.26 | +50.0% | $161.7M |
| Aug 6, 2025 | $0.31 | $0.22 | +40.9% | $164.1M |
| May 8, 2025 | $0.40 | $0.09 | +344.4% | $235.9M |
| Feb 12, 2025 | $0.49 | $0.12 | +308.3% | $250.9M |
| Nov 12, 2024 | $0.02 | $0.04 | -50.0% | $250.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 20.8× | 9.8× | 89th | Bottom 40% |
| P/E (forward) | 5.3× | — | — | — |
| EV / EBITDA | 37.4× | — | — | Bottom 30% |
| EV / Sales | 4.24× | — | — | Bottom 32% |
| Free-cash-flow yield | 106.61% | — | — | Top 1% |
| Earnings yield | 4.80% | — | — | Bottom 40% |
P/E over the past five years
Range 3.4× – 60.7× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 50
- Days above the 200-day average
- 73
- 50-day average slope (20 days)
- +14.4%
- 200-day average slope (20 days)
- +5.4%
- Distance from 50-day average
- +12.1%
- Distance from 200-day average
- +43.1%
- RSI (14)
- 60.0
- Relative volume
- 1.43×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 77.4%
- Volatility vs own 5-year history
- 61th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 2.22
- Correlation with S&P 500
- 0.45
- Current drawdown from 1-year high
- -2.3%
- Maximum drawdown, 3 years
- -70.5%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 12, 2021 | Apr 17, 2024 | -92.3% | 608 days | Not yet recovered |
| Dec 23, 2020 | Jan 27, 2021 | -21.7% | 22 days | 28 days (Mar 9, 2021) |
| Mar 15, 2021 | May 28, 2021 | -14.9% | 53 days | 48 days (Aug 6, 2021) |
| Oct 7, 2021 | Oct 28, 2021 | -14.2% | 15 days | 7 days (Nov 8, 2021) |
| Oct 12, 2020 | Oct 30, 2020 | -11.0% | 14 days | 4 days (Nov 5, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $383.3M
- P/E (TTM)
- 20.8
- EPS, diluted (TTM)
- $0.40
- Revenue (TTM)
- $686.0M
- 52-week range
- $4.03 – $8.66
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $578.1M | $733.7M | $460.1M | $533.4M | $637.3M |
| Gross profit | $530.5M | $640.7M | $280.7M | $295.2M | $405.8M |
| Operating income | $62.8M | -$75.3M | -$253.7M | -$115.2M | $44.1M |
| Net income | $47.4M | -$77.7M | -$180.0M | -$78.7M | $25.2M |
| EPS (diluted) | $1.56 | -$2.37 | -$4.88 | -$1.95 | $0.53 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $118.4M | $167.1M | $163.2M | $164.1M | $161.7M | $148.3M | $142.8M | $233.2M |
| Net income | -$30.0M | $8.7M | $9.8M | $6.9M | $5.2M | $3.4M | $2.4M | $8.5M |
| EPS (diluted) | -$0.75 | $0.20 | $0.21 | $0.14 | $0.11 | $0.07 | $0.05 | $0.17 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $163.4M | $247.9M | $392.8M | $393.5M | $413.4M |
| Capital expenditure | -$26.5M | -$48.9M | -$31.3M | -$19.2M | -$24.3M |
| Free cash flow | $137.0M | $199.0M | $361.5M | $374.3M | $389.1M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $0 | $0 | $0 | $0 | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $139.6M
- Total assets
- $3.13B
- Total liabilities
- $2.72B
- Total debt
- $2.66B
- Net debt
- $2.52B
- Shareholders’ equity
- $407.1M
As of Jun 30, 2026 (filed Aug 6, 2026).
Short interest
- Shares sold short
- 1,195,575
- Days to cover
- 2.99
- Change vs previous report
- +4.8%
FINRA short interest, settlement date Sep 15, 2026.