Oportun Financial Corporation (OPRT)Financial Services | Credit Services | San Mateo, United States | NasdaqGS
9.21 USD
+0.43
(4.898%)
⇧
(Oct. 15, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 3:50 a.m. EDT
The immediate outlook is mixed but leans cautiously bullish due to a sharp technical rebound. After a brutal multi-year decline that erased nearly two-thirds of the value, the stock has rallied over 50% in the last six months, breaking key moving averages. This momentum suggests smart money is recognizing the extreme undervaluation relative to its forward earnings potential. However, the options market tells a different story for the near term; the sheer volume of cheap put buying suggests traders are bracing for a violent correction or a failed breakout attempt. Until the price clears the resistance around $9.00 with conviction, this remains a volatile recovery play rather than a confirmed trend. Long-term, the business fundamentals are compelling but carry significant baggage. The company trades at a fraction of its book value and offers a massive discount to forward earnings, yet the stock has been punished severely by the market for years. While the latest year shows a massive percentage gain, the underlying trajectory is still defined by a long period of destruction. The lack of a dividend and the high debt-to-equity ratio prevent a top-tier rating, capping the long-term view at neutral despite the attractive valuation metrics. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.058758 |
| AutoTheta | 0.063546 |
| AutoETS | 0.069323 |
| AutoARIMA | 0.069503 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 37% |
| H-stat | 4.19 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.452 |
| Excess Kurtosis | -0.41 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Debt to Equity Ratio | 653.91 |
| Revenue per Share | 15.707 |
| Market Cap | 423,542,592 |
| Trailing P/E | 23.03 |
| Forward P/E | 4.72 |
| Beta | 1.26 |
| Profit Margins | 2.62% |
| Website | https://oportun.com |
As of Oct. 10, 2026, 3:50 a.m. EDT: Speculators are positioning aggressively for downside protection with massive open interest in out-of-the-money puts expiring in November, while call activity remains thin and concentrated near the money. Implied volatility is significantly elevated for put strikes compared to calls, indicating a fear of a sharp drop rather than a rally.
| Attribute | Value |
|---|---|
| 52 Week Change | 0.7711538 |
| Address1 | 1,825 South Grant Street |
| Address2 | Suite 850 |
| All Time High | 27.95 |
| All Time Low | 2.05 |
| Ask | 11.28 |
| Ask Size | 2 |
| Audit Risk | 3 |
| Average Analyst Rating | 2.0 - Buy |
| Average Daily Volume10 Day | 753,590 |
| Average Daily Volume3 Month | 557,296 |
| Average Volume | 557,296 |
| Average Volume10Days | 753,590 |
| Beta | 1.259 |
| Bid | 6.63 |
| Bid Size | 2 |
| Board Risk | 7 |
| Book Value | 8.86 |
| City | San Mateo |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 6 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 9.21 |
| Current Ratio | 51.129 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 9.26 |
| Day Low | 8.73 |
| Debt To Equity | 653.91 |
| Display Name | Oportun Financial |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,785,963,600 |
| Earnings Call Timestamp Start | 1,785,963,600 |
| Earnings Growth | 0.214 |
| Earnings Quarterly Growth | 0.241 |
| Earnings Timestamp | 1,785,960,000 |
| Earnings Timestamp End | 1,793,736,000 |
| Earnings Timestamp Start | 1,793,736,000 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 3.96 |
| Enterprise Value | 2,946,236,672 |
| Eps Current Year | 1.576 |
| Eps Forward | 1.952 |
| Eps Trailing Twelve Months | 0.4 |
| Esg Populated | 0 |
| Exchange | NMS |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 7.9927 |
| Fifty Day Average Change | 1.2172999 |
| Fifty Day Average Change Percent | 0.15230146 |
| Fifty Two Week Change Percent | 77.11538 |
| Fifty Two Week High | 9.27 |
| Fifty Two Week High Change | -0.06000042 |
| Fifty Two Week High Change Percent | -0.006472537 |
| Fifty Two Week Low | 4.03 |
| Fifty Two Week Low Change | 5.18 |
| Fifty Two Week Low Change Percent | 1.2853597 |
| Fifty Two Week Range | 4.03 - 9.27 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,569,504,600,000 |
| Float Shares | 31,650,267 |
| Forward Eps | 1.952 |
| Forward P E | 4.718238 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 2,405 |
| Fullday Change | 0.5100002 |
| Fullday Change Percent | 5.8086586 |
| Fullday Price | 9.21 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.95237 |
| Gross Profits | 708,516,992 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.08267 |
| Held Percent Institutions | 0.84711 |
| Implied Shares Outstanding | 45,987,253 |
| Industry | Credit Services |
| Industry Disp | Credit Services |
| Industry Key | credit-services |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | Oportun Financial Corporation |
| Market | us_market |
| Market Cap | 423,542,592 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_33406730 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 19,483,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 389,971,905 |
| Number Of Analyst Opinions | 4 |
| Open | 8.8 |
| Operating Cashflow | 420,948,000 |
| Operating Margins | 0.116239995 |
| Overall Risk | 5 |
| Payout Ratio | 0.0 |
| Phone | 650 810 8823 |
| Previous Close | 8.78 |
| Price Eps Current Year | 5.843909 |
| Price Hint | 2 |
| Price To Book | 1.0395035 |
| Price To Sales Trailing12 Months | 0.56931365 |
| Profit Margins | 0.02619 |
| Quick Ratio | 49.68 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.0 |
| Region | US |
| Regular Market Change | 0.43 |
| Regular Market Change Percent | 4.8975 |
| Regular Market Day High | 9.26 |
| Regular Market Day Low | 8.73 |
| Regular Market Day Range | 8.73 - 9.26 |
| Regular Market Open | 8.8 |
| Regular Market Previous Close | 8.78 |
| Regular Market Price | 9.21 |
| Regular Market Time | 1,792,094,400 |
| Regular Market Volume | 533,686 |
| Return On Assets | 0.00616 |
| Return On Equity | 0.04976 |
| Revenue Growth | 0.094 |
| Revenue Per Share | 15.707 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 3 |
| Shares Outstanding | 45,987,253 |
| Shares Percent Shares Out | 0.038900003 |
| Shares Short | 1,789,003 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 1,141,094 |
| Short Name | Oportun Financial Corporation |
| Short Percent Of Float | 0.0461 |
| Short Ratio | 2.91 |
| Source Interval | 15 |
| State | CA |
| Symbol | OPRT |
| Target High Price | 13.0 |
| Target Low Price | 9.0 |
| Target Mean Price | 11.5 |
| Target Median Price | 12.0 |
| Total Cash | 139,590,000 |
| Total Cash Per Share | 3.035 |
| Total Debt | 2,662,284,032 |
| Total Revenue | 743,953,024 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.4 |
| Trailing P E | 23.025 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 5.98595 |
| Two Hundred Day Average Change | 3.22405 |
| Two Hundred Day Average Change Percent | 0.5386029 |
| Type Disp | Equity |
| Volume | 533,686 |
| Website | https://oportun.com |
| Zip | 94,402 |