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StockVS

NASDAQ · Credit Services · USD

Oportun Financial Corporation (OPRT) Stock Analysis

Oportun Financial Corporation (OPRT) is a Credit Services stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

OPRT

$9.34

+$0.19 (+2.08%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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OPRT Key Statistics

As of Oct 21, 2026
Trading
Open
$9.20
Previous Close
$9.15
Day's Range
9.07–9.34
52-Week Range
4.03–9.35
Volume
440.24K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.26
Valuation
Market Cap
$429.52M
P/E Ratio
23.35
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
4.78
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
0.58
EPS (ttm)Profit attributable to each share over the last twelve months.
0.40
Financials (FY)
Revenue (FY)
$405.84M+37.48%
Net Income (FY)
$25.25M
Profit marginThe share of revenue left as profit after all costs and taxes.
2.62%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
45.99M
1-Year Return
+70.13%
Dividend and dates
Earnings Date
November 3, 2026
Avg Volume
568.36K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, OPRT closed at $9.34, +70.13% over 1 year.

Oportun Financial Corporation (OPRT) has a market capitalization of $429.52M.

In fiscal 2025, OPRT reported revenue of $405.84M.

OPRT Stock Return by Calendar Year

Oportun Financial Corporation (OPRT) return since Sep 2019: what $10,000 became

1 year
$10,000 $17,013
+70.13%
5 years
$10,000 $3,795
−62.05%
Since Sep 2019
$10,000 $5,776
−42.24%

If you had invested $10,000 in Oportun Financial Corporation (OPRT) at the close on September 26, 2019, the earliest close on record here, it would have been worth $5,776 at the close on October 21, 2026: −42.24% in total, −7.47% a year, over a partial period shorter than 10 years. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+76.56%
2025+36.34%
2024−0.77%
2023−29.04%
2022−72.79%
2021+4.54%
2020−18.61%
2019 (partial year)+47.19%

As of October 21, 2026.

OPRT Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$405.84M$25.25M6.2%
2024$295.20M−$78.68M−26.7%
2023$280.67M−$179.95M−64.1%
2022$640.66M−$77.74M−12.1%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$405.84M——$25.25M6.2%
2024$295.20M——−$78.68M−26.7%
2023$280.67M——−$179.95M−64.1%
2022$640.66M——−$77.74M−12.1%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

OPRT Valuation vs Credit Services Median

Median of 56 stocks
MetricOPRTCredit Services medianvs median
P/E23.3510.91114% above
P/S ratio0.581.5061% below
Profit margin2.62%9.89%7.3 pts below

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 17 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Oportun Financial Corporation (OPRT) carries a market capitalisation of $429.52M. It is classified in the Credit Services industry, within the Financial Services sector. Headcount on file is 2,405.

The 52-week range on file runs from $4.03 to $9.35. OPRT last closed at $9.34 on October 21, 2026. That is +$0.19 (+2.08%) against the previous close. The latest close sits 131.76% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $405.84M. That is +37.48% against the prior fiscal year, when revenue was $295.20M. The same year closed with net income of $25.25M. Profit margin runs at 2.62%. That is 7.3 percentage points below the Credit Services median of 9.89%. Earnings per share on a trailing basis come to 0.4.

Across the 4 fiscal years on file, revenue moves from $640.66M in 2022 to $405.84M in 2025. Of those 4 years, 1 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 23.35 times earnings. That is 114.02% above the Credit Services median of 10.91. The forward P/E on file is 4.78. Measured against sales, the shares trade at 0.58 times revenue. On price-to-sales that is 61.47% below the Credit Services median of 1.5. The medians here are taken across 56 Credit Services companies that report the metric.

The reported beta is 1.26. Annualized volatility over the trailing 7 years is 77.74%. The trailing one-year total return is +70.13%. Measured over 5 years, that is −17.62% a year compounded.

Growth & Income

The record shows no dividend for OPRT.

The strongest complete calendar year on file is 2025 at +36.34%; the weakest is 2022 at −72.79%. Of the 6 complete calendar years on file, 2 finished higher. So far in 2026 the total return is +76.56%.

Peer Comparison

Oportun Financial Corporation (OPRT) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Oportun Financial Corporation OPRT $429.52M 23.4
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. Oportun Financial Corporation trades at a P/E of 23.4.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Oportun Financial Corporation

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. The company was founded in 2005 and is headquartered in San Mateo, California.

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