Oportun Financial stock
OPRTNASDAQOportun Financial Corporation, Financial ServicesISIN US68376D1046
54Score 54 out of 100, Neutral
We are checking this figure against the original source: debt.
Price and trend
85 / 100
Price history
+143% in one yearThe chart shows daily closes over 7 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 81% above it.
Since June 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Overheated: the price has risen very quickly lately (RSI 71).
The price is 9.6% below its 52-week high. Largest decline in 7 years: 92% (November 2021 to April 2024).
Chart figures for advanced users
- SMA 50$9.10
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$6.49
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)71
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$4.13
- The lowest closing price of the last twelve months.
- Resistance$13.01
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Oportun Financial Corporation belongs to the Financial (Credit Services) industry (United States) and, with a market value of $599.58M, is number 52 of 61 companies in its industry on MEQIRI.
- MEQIRI Score 54 out of 100 (Neutral): rank 811 of 976 in Financial Services, median 68.
- The P/E is 16.1 (Financial (Credit Services) median 11.8, own median of recent years 12.1).
Show more
- Our model puts fair value at $8.59, with the price 37% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Analysts expect strong earnings growthUp 18.5% a year through 2028 (estimates from 3 analysts).
Weaknesses
- DilutionShare count up 75% since 2020.Capital allocation 34
- Volatile share priceVolatility 70% a year over the last 12 months.Stability 64
- Richly valuedP/E 16.1, Financial (Credit Services) median 11.8, own median 12.1.Valuation 55
Its standout strengths are momentum and technical analysis, while capital allocation and profitability hold the score back.
Daily figure as of 12 Nov 2026
How the score is calculatedScore overview
Fundamental quality fluctuates.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk medium
How well MEQIRI warnsIn the middle among smaller stocks.
From 2016 to 2025, 20 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- price up very strongly over the past year
- weak fundamentals
- high price swings
What lowers it
- price near its 52-week high
- stable momentum
Valuation
Valuation signal
Modestly overvaluedClosing price of 11 Nov 2026, used by the daily score.
In our model the price counts as cheap below $5.73 and expensive above $17.18 (uncertainty very high, based on the price swings of the past year).
Valuation metrics
From earnings times the industry P/E (11.8) alone; there are no viable cash flows for the cash-flow model.
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2025, revenue rose 37.5% on the prior year. Revenue has grown solidly since 2015, at about 8% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 11%, net 6%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 25 Feb 2027in 105 days
- Last reported
- 3 Nov 2026EPS reported $0.51 (expected $0.46)above expectations
Analyst estimates
Analysts have raised their 2027 earnings estimate by 6.6% since 15 Oct 2026.
- Earnings per share
- $1.66+5.5%
- Revenue
- $954.5M+1.0%
- Earnings per share
- $2.08+6.6%
- Revenue
- $1.01B+1.1%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +33.9%Full-year guidance revised with an improved net charge-off rate and higher adjusted EBITDA at the midpoints.
“Our revised full year guidance that Paul will share reflects an improved annualized net charge-off rate and increased adjusted EBITDA at the respective midpoints.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 5 Aug 2026 (fiscal Q2 2026), read by AI.
Insiders
Open-market purchases and sales by executives, board members and major holders
No open-market purchases in the last 6 months. 2 insiders sold, $55,240 in total.
Sales say less than purchases: many insiders sell on a fixed plan, for taxes or to diversify.
Source: Form 4 filings with the US Securities and Exchange Commission. Grants, option exercises, gifts and tax withholdings are hidden. Not a recommendation to buy.
What happened at Oportun Financial
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
976 rated companies in Financial Services
- This company
- 54
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Financial (Credit Services)
The next larger and next smaller companies by market value
- Qfin HoldingsQFIN $691.28M68
- HypoportHYQ.DE $676.92M61
- Green DotGDOT $671.86M42
- World AcceptanceWRLD $649.2M56
- NavientNAVI $555.2M36
- LendingTreeTREE $517.22M59
- GrenkeGLJ.DE $517.13M46
- OppFiOPFI $509.55M73
ETFs that hold Oportun Financial
Held by 3 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Avantis Global Small Cap Value UCITS ETFAVWS | 0.03% | 0.39% | €1.47B |
| State Street SPDR Russell 2000 U.S. Small Cap UCITS ETF (Acc)ZPRR | 0.02% | 0.30% | €4.22B |
| Xtrackers Russell 2000 UCITS ETF 1CXRS2 | 0.02% | 0.30% | €2.17B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 12 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Neutral, published since 7 Nov 2026 (in the score history since 29 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.