Intratio
Quantitative Research
Skip to main content
AI Market Summary
Loading market intelligence...
  • Sign in
    My account
    Logout
AI 90-DAY FORECAST
BULLISH SIGNAL DETECTED
██.█% Sign up free to reveal

Oportun Financial Corp (OPRT) AI Forecast

Our AI detected a significant signal for Oportun Financial Corp. Create a free account to see the exact price target.

✓ Free account • ✓ 30-day free trial

$OPRT Bullish Signal Full forecast available
Sign Up Free

Oportun Financial Corp (OPRT) Stock Forecast 2025

Oportun Financial Corp (OPRT) AI Stock Price Forecast & Investment Analysis

Oportun Financial Corp Stock Price Chart and Technical Analysis

Loading chart...

Oportun Financial Corp (OPRT) - Comprehensive Stock Analysis & Investment Research

Deep dive into Oportun Financial Corp's business profile, financial performance, AI predictions, and competitive positioning to make informed investment decisions.

Analysis updated on April 4, 2026, 1:44 a.m. (UTC)

Oportun Financial Corp Investment Summary

When evaluating whether Oportun Financial Corp (OPRT) represents a compelling investment opportunity, investors must consider multiple factors including the company's financial health, market position, growth prospects, and what our AI-powered predictive models suggest about its near-term price trajectory.

Company Profile

Oportun Financial Corp (OPRT) operates within the Finance or Crypto Assets sector, specifically in the Finance Services industry. The company employs approximately 2,992 people. With a market capitalization of $205 million, the company is a small-cap stock that may offer higher growth potential but also carries higher volatility.

Financial Performance Analysis

Our comprehensive financial analysis covers Oportun Financial Corp's revenue, profitability metrics, balance sheet strength, and cash flow generation...

AI Price Predictions

Get AI-powered 7-day, 30-day and 90-day price forecasts for Oportun Financial Corp along with confidence scores and detailed analysis...

Investment Considerations

Expert analysis of whether Oportun Financial Corp is suitable for your investment objectives, risk tolerance, and time horizon...

Continue Reading Full Analysis

Get the complete investment breakdown for Oportun Financial Corp

Sign Up Free
Corporate Identity

Oportun Financial Corp (Stock Symbol: OPRT) is a prominent company operating within the Finance or Crypto Assets sector, with a specific focus on the Finance Services industry. The company's shares are publicly traded on the Nasdaq exchange.

Leadership & Workforce

Detailed information about Oportun Financial Corp's leadership team, workforce size, and organizational structure...

Market Classification

Market capitalization analysis and stock classification (mega-cap, large-cap, mid-cap, small-cap) for Oportun Financial Corp...

Sector & Industry Analysis

In-depth sector dynamics and industry context for Oportun Financial Corp...

Unlock Full Company Profile

Get complete details about Oportun Financial Corp

Sign Up Free
Revenue & Growth Analysis

Oportun Financial Corp generates annual revenues of $956 million , representing an emerging company in its growth phase.

Profitability Metrics

Net profit margin, gross margin, and operating margin analysis for Oportun Financial Corp...

Market Valuation

P/E ratio, price-to-book, and valuation multiples for Oportun Financial Corp...

Return Metrics

Return on equity (ROE), return on assets (ROA), and capital efficiency for Oportun Financial Corp...

Unlock Financial Analysis

Get complete financial metrics for Oportun Financial Corp

Sign Up Free
AI ANALYSIS AVAILABLE

Unlock Oportun Financial Corp's AI Price Forecast

Join 10,000+ investors using our 67%+ accurate AI predictions

4,000+ Stocks Analyzed
67%+ Accuracy Rate
Daily Updates
Start 30-Day Free Trial →

✓ 30-day free trial • ✓ Cancel anytime

Strategic Market Position

Oportun Financial Corp strategically competes in the highly dynamic Finance Services marketplace. As a small-cap company, it represents an emerging market participant with potentially significant growth opportunities. Small-caps often offer greater growth potential as they capture market share and scale their operations, though this comes with higher risk and volatility. Success at this stage can lead to substantial returns for early investors who identify winning business models.

Industry Competitive Landscape

Oportun Financial Corp competes within the Finance or Crypto Assets sector, navigating the competitive dynamics and market forces specific to this industry. The company's competitive position depends on its ability to differentiate through product quality, cost efficiency, customer relationships, or other strategic advantages relevant to its specific market segment.

Operational Efficiency

The company shows positive operational efficiency through free cash flow generation of $152 million annually , with year-over-year cash flow growth of -30.0%. Positive free cash flow indicates the business generates more cash than required for operations and capital investments, providing resources for growth initiatives or shareholder returns.

Asset Utilization Efficiency

Asset turnover ratio of 0.25x indicates lower asset turnover that may reflect the industry's capital-intensive nature or potentially underutilized assets. Companies with low turnover typically depend on strong margins to generate adequate returns on capital.

Financial Strength & Leverage

Oportun Financial Corp (OPRT) Fundamental Analysis & Insider Trading Data (Quarterly Financial Reports)

Comprehensive quarterly financial data, earnings trends, insider transactions, and institutional holdings for Oportun Financial Corp stock analysis.

Deep dive into Oportun Financial Corp's financial health, valuation metrics, and operational efficiency to make informed investment decisions.

Understanding Valuation Metrics

What these metrics mean: Valuation metrics help determine if Oportun Financial Corp stock is fairly priced compared to its earnings, assets, and market position.

How to read them: Lower P/E ratios may indicate undervalued stocks, while higher ratios suggest growth expectations. P/B ratio compares market value to book value.

For Oportun Financial Corp: With a P/E ratio of 8.11, the market sees the stock as potentially undervalued.

P/E Ratio 8.11x
P/B Ratio 0.53x
Market Cap $205M
EPS $-0.39
Book Value/Share $8.78
Revenue/Share $21.53
FCF/Share $5.65
Understanding Profitability Metrics

What these metrics mean: These ratios measure how efficiently Oportun Financial Corp converts revenue into profit and generates returns for shareholders.

How to read them: Higher ROE/ROA indicate better management efficiency. Margin percentages show profit at different operational levels.

For Oportun Financial Corp: An ROE of 16.1% demonstrates excellent shareholder value creation.

ROE 16.1%
ROA 3.6%
Net Margin 8.8%
EBT Margin 18.6%
Tax Rate 22.7%
Understanding Financial Health Metrics

What these metrics mean: These ratios assess Oportun Financial Corp's ability to meet short-term obligations and manage debt levels effectively.

How to read them: Current ratio >2 is generally good, Quick ratio >1 shows strong liquidity. Lower D/E ratios indicate conservative debt management.

For Oportun Financial Corp:

D/E Ratio 2.68x
Financial Leverage 4.60x
Understanding Cash Flow Metrics

What these metrics mean: Cash flow metrics reveal Oportun Financial Corp's ability to generate cash from operations and fund growth initiatives.

How to read them: Positive operating cash flow is crucial. Free cash flow shows money available for dividends, buybacks, or investments.

For Oportun Financial Corp: Free cash flow of $152M provides flexibility for shareholder returns and growth investments.

Operating Cash Flow $184M
Free Cash Flow $152M
Capital Spending -$31M
OCF Growth YoY -30.0%
FCF Growth YoY -34.3%
FCF/Sales 24.4%
CapEx/Sales 5.0%
Understanding Operational Efficiency Metrics

What these metrics mean: These ratios measure how effectively Oportun Financial Corp uses its assets and manages working capital.

How to read them: Higher turnover ratios indicate efficient asset utilization. Shorter collection periods show effective credit management.

For Oportun Financial Corp: An asset turnover of 0.25x suggests room for improvement in asset utilization.

Asset Turnover 0.25x
Fixed Assets Turnover 12.5x
Understanding Financial Statement Data

What these metrics mean: Key figures from Oportun Financial Corp's income statement and balance sheet showing absolute financial performance.

How to read them: Revenue shows business scale, while margins indicate profitability. Balance sheet items reveal financial structure.

For Oportun Financial Corp: With annual revenue of $956M, Oportun Financial Corp demonstrates solid business size.

Income Statement
Total Revenue $956M
Net Income $153M
SG&A Expense $81M
Balance Sheet Highlights (% Of Assets)
Cash & Short-term Investments 4%
Total Liabilities 78%
Short-term Debt 16%
Accounts Receivable 1%
Dividend & Shareholder Information
Shares Outstanding 44M

Latest Oportun Financial Corp Stock News & Market Analysis

Breaking news, analyst reports, and market updates affecting Oportun Financial Corp (OPRT) stock price and investment outlook.

source: CNN

View Oportun Financial Corp. OPRT stock quote prices, financial information, real-time forecasts, and company news from CNN.

More news available

Sign up free to read all 8 news articles and stay updated on market developments.

Sign Up Free to Read More

Oportun Financial Corp Competitors & Peer Analysis - Finance or Crypto Assets Sector

Comparative analysis of Oportun Financial Corp against industry peers and competitors in the Finance or Crypto Assets sector, featuring AI-powered forecasts and key financial metrics.

Company Ticker Symbol 90-Day AI Forecast Market Cap (USD M) P/E Ratio P/B Ratio
Athena Bitcoin Global ABIT ██% $16M 10.5x 1.1x
American Bitcoin Corp. ABTC ██% $988M x 1.5x
Abits Group Inc ABTS ██% $4M x 0.4x
Avax One Technology Ltd. AGRI ██% $7M -0.3x 0.6x
Aixcrypto Holdings, Inc. AIXC ██% $7M x 0.2x
Amber International Holding Ltd AMBR ██% $224M x 1.2x
Sphere 3d Corp. ANY ██% $6M -1.0x 0.2x
Strive, Inc. ASST ██% $701M -0.5x 1.2x
Atlasclear Holdings, Inc. ATCH ██% $29M 6.3x 1.3x
Alphaton Capital Corp ATON ██% $7M x x
Avax One Technology Ltd. AVX ██% $51M x 0.3x
American Express Co AXP ██% $207.62B 19.2x 6.2x
Binah Capital Group, Inc. BCG ██% $40M 17.2x 2.2x
Blackstar Enterprise Group, Inc. BEGI ██% $1M x x
Keel Infrastructure Corp. BITF ██% $1.19B x 2.1x
Bakkt, Inc. BKKT ██% $221M x 2.0x
Bitmine Immersion Technologies, Inc. BMNR ██% $8.97B 2.2x 0.8x
Procap Financial, Inc. BRR ██% $164M x 0.4x
Bit Digital, Inc BTBT ██% $447M 4.3x 0.6x
Solai Ltd BTCM ██% $2.45B x 55.9x
Btcs Inc. BTCS ██% $65M 1.4x 0.5x
Btc Digital Ltd. BTCT ██% $12M x 0.6x
Bitdeer Technologies Group BTDR ██% $2.30B x x
Bitcoin Depot Inc. BTM ██% $23M 4.8x 2.0x
Bit Origin Ltd BTOG ██% $3M x 0.1x
Burford Capital Ltd BUR ██% $902M 14.4x 0.4x
C2 Blockchain, Inc. CBLO ██% $30M x x
Chime Financial, Inc. CHYM ██% $0.00M x 0.0x
Cipher Digital Inc. CIFR ██% $5.12B x 6.4x
Cleanspark, Inc. CLSK ██% $2.20B 5.7x 1.6x
Composecure, Inc. CMPO ██% $2.64B 29.2x 17.3x
Cnfinance Holdings Ltd. CNF ██% $24M x 0.0x
Coeptis Therapeutics Holdings, Inc. COEP ██% $62M x 4.5x
Coinbase Global, Inc. COIN ██% $46.33B 36.8x 3.1x
Maverick Merger Sub 2, Llc COOP ██% $13.71B 24.1x 2.7x
Core Scientific, Inc./Tx CORZ ██% $5.12B -1.3x 60.1x
Consumer Portfolio Services, Inc. CPSS ██% $169M 8.8x 0.6x
Circle Internet Group, Inc. CRCL ██% $23.70B 68.6x 7.1x
Cotwo Advisors Physical European Carbon Allowance Trust CTWO ██% $2M x 1.0x
Dave Inc./De DAVE ██% $2.32B 11.8x 6.6x
Defi Development Corp. DFDV ██% $106M 1.5x 1.1x
Digi Power X Inc. DGXX ██% $151M x 1.2x
Eason Technology Ltd DXF ██% $2M x x
Universal Token EBFI ██% $305M x 293.4x
Bitwise Ethereum Etf ETHW ██% $352M 2.1x x
Fidelity Ethereum Fund FETH ██% $1.59B 3.0x 0.7x
Financial Gravity Companies, Inc. FGCO ██% $6M x 3.0x
Fg Nexus Inc. FGNX ██% $32M x 0.2x
Fold Holdings, Inc. FLD ██% $62M x 1.0x
Forum Markets Inc FRMM ██% $53M x 0.1x
Bitfufu Inc. FUFU ██% $502M x 2.6x
Forward Industries, Inc. FWDI ██% $377M x 0.4x
Green Dot Corp GDOT ██% $622M -146.6x 0.7x
Gemini Space Station, Inc. GEMI ██% $504M x 0.9x
Greystone Housing Impact Investors Lp GHI ██% $118M 20.2x x
Gpgi, Inc. GPGI ██% $4.92B x 20.2x
Greenidge Generation Holdings Inc. GREE ██% $16M 3.1x 0.2x
Greenidge Generation Holdings Inc. GREEL ██% $337M -2.6x -1.9x
Hive Digital Technologies Ltd. HIVE ██% $452M 34.5x 0.8x
Hut 8 Corp. HUT ██% $5.86B 30.6x 4.1x
I-On Digital Corp. IONI ██% $7M x 0.5x
Iren Ltd IREN ██% $11.38B 34.0x 4.5x
Loandepot, Inc. LDI ██% $769M -4.1x 2.8x
Lm Funding America, Inc. LMFA ██% $3M -0.5x 0.1x
Mara Holdings, Inc. MARA ██% $3.05B 3.7x 0.9x
Medallion Financial Corp MBNKO ██% $587M 14.3x 1.5x
Mdb Capital Holdings, Llc MDBH ██% $32M x 1.3x
Medallion Financial Corp MFIN ██% $197M 4.6x 0.5x
Marygold Companies, Inc. MGLD ██% $48M -15.6x 2.1x
Marblegate Capital Corp MGTE ██% $167M x 0.3x
Marblegate Capital Corp MGTEW ██% $10M x 0.0x
Mgt Capital Investments, Inc. MGTI ██% $9M x x
Nft Ltd MI ██% $5M x 0.1x
Mawson Infrastructure Group Inc. MIGI ██% $2M -0.4x 0.5x
Strategy Inc MSTR ██% $42.43B 5.3x 1.0x
Metavesco, Inc. MVCO ██% $4M x 22.1x
Marvion Inc. MVNC ██% $5M 15.8x 1.0x
Medwellai, Inc. MWAI ██% $2M x 0.3x
Nakamoto Inc. NAKA ██% $156M x 0.3x
Nakamoto Inc. NAKAW ██% $136M x 0.3x
Netbrands Corp. NBND ██% $150K x 1.3x
Netcapital Inc. NCPL ██% $3M x 0.1x
The9 Ltd NCTY ██% $81M x 5.3x
Oppfi Inc. OPFI ██% $646M 24.6x 11.1x
Oportun Financial Corp OPRT ██% $205M 8.1x 0.5x
Orion Digital Corp. ORIO ██% $22M x x
Pineapple Financial Inc. PAPL ██% $17M x x
Pagaya Technologies Ltd. PGY ██% $917M 11.3x 1.9x
Pagaya Technologies Ltd. PGYWW ██% $19M x 0.0x
Hyperliquid Strategies Inc PURR ██% $636M x 1.1x
Perella Weinberg Partners PWP ██% $1.65B 46.6x 10.1x
Qfin Holdings, Inc. QFIN ██% $1.71B x 0.1x
Resolute Holdings Management, Inc. RHLD ██% $1.34B x 205.0x
Riot Platforms, Inc. RIOT ██% $4.78B 36.9x 1.7x
Saiheat Ltd SAIH ██% $16M -2.1x 0.0x
Sharplink, Inc. SBET ██% $1.27B x 0.5x
Shf Holdings, Inc. SHFS ██% $2M 5.0x 0.3x
Sprott Inc. SII ██% $3.78B x x
Solai Ltd SLAI ██% $14M x 0.3x
Soluna Holdings, Inc SLNH ██% $80M -0.2x 1.5x
Soluna Holdings, Inc SLNHP ██% $160M -0.8x 11.1x
Security National Financial Corp SNFCA ██% $234M 7.3x 0.6x
Tao Synergies Inc. SNPX ██% $108M 4.2x 6.7x
Sofi Technologies, Inc. SOFI ██% $19.86B 41.3x 1.9x
Strategic Acquisitions Inc /Nv/ STQN ██% $9M x 219.1x
Strategy Inc STRD ██% $23.34B 3.0x 0.5x
Strategy Inc STRF ██% $30.82B 3.9x 0.6x
Strategy Inc STRK ██% $26.09B 3.3x 0.5x
Sui Group Holdings Ltd. SUIG ██% $93M x 0.6x
Synchrony Financial SYF ██% $23.71B 6.7x 1.4x
Synchrony Financial SYF-PA ██% $7.13B 2.0x 0.4x
Synchrony Financial SYF-PB ██% $9.35B 2.6x 0.6x
Tao Synergies Inc. TAOX ██% $43M x 2.0x
Brag House Holdings, Inc. TBH ██% $6M x 1.9x
Trilinc Global Impact Fund Llc TRLC ██% $49M 5.2x x
T-Rex Acquisition Corp. TRXA ██% $25M x 80.5x
Upstart Holdings, Inc. UPST ██% $2.39B 44.6x 3.0x
Upexi, Inc. UPXI ██% $62M 2.1x 1.3x
Usbc, Inc. USBC ██% $139M x 1.7x
Universal Token UTKN ██% $142M x 126.8x
Velocity Financial, Inc. VEL ██% $705M 6.7x 1.1x
Vemanti Group, Inc. VMNT ██% $2M x 37.2x
Walker & Dunlop, Inc. WD ██% $1.49B 26.5x 0.9x
Wins Finance Holdings Inc. WINSF ██% $20K x 0.0x
Terawulf Inc. WULF ██% $6.17B -31.5x 44.0x
Whitefiber, Inc. WYFI ██% $446M x 0.9x
Twenty One Capital, Inc. XXI ██% $2.13B x x
Reveal all forecasts See exact % predictions for all competitors
Sign up free

Frequently Asked Questions - Oportun Financial Corp Stock Forecast

How accurate are Oportun Financial Corp stock predictions?

Our AI model shows a 19% Spearman correlation coefficient for OPRT predictions, based on advanced machine learning algorithms trained on over 10 years of market data. This measures the strength of the monotonic relationship between predicted and actual price movements.

What factors influence Oportun Financial Corp stock price forecasts?

Our analysis considers Oportun Financial Corp's financial metrics, Finance or Crypto Assets sector trends, market sentiment, technical indicators, earnings data, and macroeconomic factors affecting stock performance.

Is Oportun Financial Corp a good investment in 2025?

Based on our AI analysis, Oportun Financial Corp shows potential for various market scenarios. Consider your risk tolerance, investment timeline, and portfolio diversification before making investment decisions.

How often are Oportun Financial Corp forecasts updated?

Oportun Financial Corp stock forecasts are updated daily using real-time market data, ensuring you receive the most current AI-powered predictions and investment insights.

Want a simpler view of Oportun Financial Corp?

View simplified analysis on AI Stock Finder →

My Portfolio

Investment Dashboard

Loading your portfolio...