Oportun Financial Corp (OPRT) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Oportun Financial Corp stock $18.22, price $11.31, upside +61.1%, quality 57 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $2.13 – $27.74 · fair‑value band $6.16 – $25.12 · the $11.31 price screens below the $18.22 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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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.
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The company was founded in 2005 and is headquartered in San Mateo, California.
Stock analysis
Oportun Financial Corp (OPRT) currently trades at $11.31, while our model-based Fair Value estimate is $18.22, implying the stock looks roughly 38% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of $112.66 per share, and 3 of the 9 models we run sit above the $11.31 price.
Bear case: the Asset-Based group reads lowest at $4.63, and 6 of the 9 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $6.16 (bear) to $25.12 (bull), the price of $11.31 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Oportun Financial Corp reported revenue of $637M in FY2025 versus $578M in FY2021, a compound +2.5%/yr. Reported net income was $25.2M in FY2025, compounding −14.6%/yr from FY2021.
Key figures
Market cap $554M Small · P/E ratio 15.1 · P/S ratio 0.72 · EPS (TTM) $0.7500 · Net margin 4.9% · Return on equity 9.1% · Return on assets (EBIT) −1.9% (5-year average) · Operating margin 55.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).
What moves the price
The share trades about 13% below its 52-week high and 174% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 61%, OPRT screens cheaper than that median.
Fair Value models
Bear$6.16Fair Value $18.22Bull$25.12
Price $11.31 · Upside +61.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($0.6432 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, 2 officers or directors sold shares worth $55,240 and none bought.
SaleJoseph Andrew SchuellerSVP-Controller, CAO2,859 shares at $7.80$22,300Sep 11, 2026
SaleKathleen I. LaytonChief Legal Officer2× since Mar 10, 2026: 23,578 shares, avg. $5.42$127,779Sep 10, 2026
SalePatrick KirschtChief Credit Officer54,299 shares at $4.90$266,065Mar 10, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+19.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−4.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.1%
Start year 2020 (pandemic). Over 10 years: +12.6% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
−29.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−29.6%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−32.1% vs −8.3%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−15% → 7%
News mood ⓘNews mood, the average tone of recent news (94 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside+61.1% · Above median
Profitability
Return on equity (12 months)9.1% · Below median
Return on assets0.8% · Bottom 25%
Net margin (12 months)4.9% · Bottom 25%
Operating margin (12 months)55.2% · Above median
Growth and dividend
Revenue growth (quarter YoY)12.7% · Above median
Balance sheet
Debt / equity7.18× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Oportun Financial Corp (OPRT) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $18.22 versus a price of $11.31, about +61% upside (undervalued).
What is the fair value of OPRT?
Our model-based fair value for Oportun Financial Corp is $18.22 (as of Nov 6, 2026), built from audited fundamentals. The current price: $11.31.
What is the quality score of OPRT?
Oportun Financial Corp has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Oportun Financial Corp (OPRT)?
Our model-based price target is the fair value of $18.22 (as of Nov 6, 2026) from 11 valuation models. Cautious scenario $6.16, optimistic scenario $25.12. It is a calculation from audited fundamentals, not an analyst target.
What is the Oportun Financial Corp stock forecast for 2026?
Our models put fair value at $18.22, about +61% upside versus a price of $11.31 (undervalued). Cautious scenario $6.16, optimistic scenario $25.12. The calculation is refreshed regularly with new filings.
What is the revenue of Oportun Financial Corp (OPRT)?
Oportun Financial Corp reported trailing-twelve-month revenue of about $767M (latest available figure, as of Nov 6, 2026).
What is the intrinsic value of Oportun Financial Corp (OPRT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Oportun Financial Corp it is $18.22 per share (as of Nov 6, 2026), against a price of $11.31. It is the blended result of 11 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Oportun Financial Corp stock overvalued or undervalued in 2026?
As of Nov 6, 2026, OPRT trades below its calculated fair value: price $11.31, fair value $18.22, a gap of about +61% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of OPRT?
No. The price is what the market pays today ($11.31); the fair value is what the company's own numbers justify ($18.22). For Oportun Financial Corp the two are $6.91 per share apart. That gap is exactly why we show both numbers side by side.
How much is Oportun Financial Corp worth?
The market values Oportun Financial Corp at about $554M (market capitalisation, as of Nov 6, 2026). Per share that is $11.31; our models calculate a fair value of $18.22 per share.
What do the bullish and bearish scenarios say about OPRT?
Our models span a range for Oportun Financial Corp: cautious scenario $6.16, base $18.22, optimistic $25.12 per share (as of Nov 6, 2026, price $11.31). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of OPRT?
Oportun Financial Corp trades at a price-to-earnings ratio of 15.1 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.22 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 17.4 (reported for FY2025: 21.3). Other multiples: P/B 1.4, P/S 0.7, EV/EBITDA 18.4.
How solid is the balance sheet of Oportun Financial Corp (OPRT)?
Balance-sheet figures for Oportun Financial Corp (as of Nov 6, 2026): return on equity 9.1%, debt of 7.18 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is OPRT from its 52-week high?
Oportun Financial Corp trades at $11.31, about 13% below its 52-week high of $13.01 and 174% above the low of $4.13 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $18.22 is for.
Which stocks are comparable to Oportun Financial Corp?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Oportun Financial Corp stock attractive at the current price?
The data as of Nov 6, 2026: price $11.31, calculated fair value $18.22 (+61%), Quality Score 57/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of OPRT calculated?
We run Oportun Financial Corp through 11 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $18.22 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Oportun Financial Corp currently trades 38% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Oportun Financial Corp (OPRT)?
The closing price on Nov 6, 2026 was $11.31. Our model-based fair value is $18.22, about +61% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Oportun Financial Corp right now?
The model range is unusually wide ($6.16 to $25.12). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Oportun Financial Corp
How large is the market capitalisation of Oportun Financial Corp (OPRT)?
The market capitalisation of Oportun Financial Corp is $554M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Oportun Financial Corp (OPRT)?
The price-to-sales ratio of Oportun Financial Corp is 0.72 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Oportun Financial Corp (OPRT)?
Earnings per share at Oportun Financial Corp are $0.7500 (price ÷ EPS = P/E 15.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Oportun Financial Corp (OPRT)?
The net margin of Oportun Financial Corp is 4.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Oportun Financial Corp (OPRT)?
The return on equity (ROE) of Oportun Financial Corp is 9.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Oportun Financial Corp (OPRT)?
On an EBIT basis the return on assets of Oportun Financial Corp is −1.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Oportun Financial Corp (OPRT)?
The operating margin of Oportun Financial Corp is 55.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Oportun Financial Corp (OPRT)?
Revenue at Oportun Financial Corp is growing +12.7% versus a year earlier (3y avg −4.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Oportun Financial Corp (OPRT)?
Earnings per share at Oportun Financial Corp are growing +309% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Oportun Financial Corp (OPRT) generate?
The free cash flow of Oportun Financial Corp is $389M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Oportun Financial Corp (OPRT) carry?
The net debt of Oportun Financial Corp is $2.7B (fiscal year 2025, ≈ 7.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 6, 2026