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Oportun Financial Corp (OPRT) Stock Forecast 2025 - AI Price Prediction & Analysis

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

Oportun Financial Corp Stock Price Chart and Technical Analysis

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

Company Overview & Business Profile

Oportun Financial Corp (Stock Symbol: OPRT) is a leading company in the Finance or Crypto Assets sector , specifically operating within the Finance Services industry. The organization employs approximately 2992 professionals worldwide . The company has established itself as an emerging investment opportunity with substantial growth potential.

Financial Performance & Key Metrics Analysis

Annual Revenue: $1001 million generating a -7.9% net profit margin .

Market Capitalization: $231 million - Classified as a small-cap investment offering high growth potential.

Return on Equity (ROE): 16.1% - Excellent shareholder return efficiency, indicating strong management effectiveness.

Advanced AI Stock Prediction & Price Target Analysis

🚀 Unlock Premium AI Predictions to access our advanced machine learning forecasts for Oportun Financial Corp stock, including 7-day, 30-day, and 90-day price targets with confidence intervals and risk assessments.

Market Position & Competitive Advantage Analysis

Oportun Financial Corp strategically competes in the highly dynamic Finance Services marketplace, representing an emerging small-cap investment with substantial growth potential and market disruption capabilities . The company demonstrates robust operational efficiency through strong free cash flow generation of $152 million annually , complemented by impressive -30.0% year-over-year cash flow growth

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.

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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 -2.08, the market sees the stock as potentially undervalued.

P/E Ratio -2.08x
P/B Ratio 0.63x
Market Cap $231M
EPS $-1.95
Book Value/Share $9.76
Revenue/Share $0.68
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 -7.9%
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 $1001M, Oportun Financial Corp operates at significant scale.

Income Statement ($ Millions)
Total Revenue $1001M
Net Income $-78M
SG&A Expense $81M
Balance Sheet Highlights ($ Millions)
Cash & Short-term Investments $4M
Total Liabilities $78M
Short-term Debt $16M
Accounts Receivable $1M
Dividend & Shareholder Information
Shares Outstanding 38M
Growth Metrics (YoY)
EPS Growth -34.2%

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.

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
ABTS Unlock Forecast $134M x 11.9x
AGRI Unlock Forecast $1M -0.3x 0.3x
AMBR Unlock Forecast $139M x 0.8x
ANY Unlock Forecast $18M -1.0x 0.6x
ASST Unlock Forecast $88M -0.5x 33.0x
ATCH Unlock Forecast $1M x -0.1x
AXP Unlock Forecast $226921M 22.4x 7.0x
BCG Unlock Forecast $33M x 3.4x
BCGWW Unlock Forecast $0M x 0.1x
BEGI Unlock Forecast $1M x x
BENF Unlock Forecast $53M x -0.5x
BENFW Unlock Forecast $1M x 0.0x
BKKT Unlock Forecast $0M -2.7x 0.0x
BMNR Unlock Forecast $93M x 32.3x
BTBT Unlock Forecast $717M x 1.1x
BTCM Unlock Forecast $3145M x 68.6x
BTCS Unlock Forecast $92M -4561.2x 3.0x
BTCT Unlock Forecast $8M x 0.4x
BTM Unlock Forecast $0M -1.6x 0.0x
BTMWW Unlock Forecast $0M x 0.0x
BTOG Unlock Forecast $36M x 1.0x
BUR Unlock Forecast $3971M -41.7x 1.6x
CBLO Unlock Forecast $34M x x
CHYM Unlock Forecast $2383M x 1.7x
CIFR Unlock Forecast $2361M -121.5x 3.2x
CIFRW Unlock Forecast $309M x 0.5x
CLSK Unlock Forecast $3613M 768.6x 1.9x
CLSKW Unlock Forecast $131M x 0.1x
CMPO Unlock Forecast $0M 29.2x 0.0x
CMPOW Unlock Forecast $0M x 0.0x
CNF Unlock Forecast $617M x 0.2x
COEP Unlock Forecast $64M x 10.6x
COIN Unlock Forecast $84254M 29.5x 7.0x
COOP Unlock Forecast $11860M 20.8x 2.3x
CORZ Unlock Forecast $4029M -1.3x -22.2x
CORZW Unlock Forecast $1946M x -2.7x
CORZZ Unlock Forecast $3481M x -4.8x
CPSS Unlock Forecast $194M 10.0x 0.6x
CRCL Unlock Forecast $9818M x 4.1x
DAVE Unlock Forecast $0M 40.2x 0.0x
DAVEW Unlock Forecast $0M x 0.0x
EBFI Unlock Forecast $431M x 517.9x
ETHW Unlock Forecast $464M x x
EXOD Unlock Forecast $M x x
FETH Unlock Forecast $2163M x 1.8x
FGF Unlock Forecast $37M 6.2x 0.5x
FGFPP Unlock Forecast $36M 4.5x 0.5x
FLD Unlock Forecast $167M x 1.9x
FLDDU Unlock Forecast $0M x 0.0x
FLDDW Unlock Forecast $0M x 0.0x
FUFU Unlock Forecast $630M x 5.4x
GDOT Unlock Forecast $581M -146.6x 0.6x
GHI Unlock Forecast $0M 11.0x 0.0x
GREE Unlock Forecast $19M -0.6x -0.4x
GREEL Unlock Forecast $135M -2.6x -1.9x
GRYP Unlock Forecast $114M 0.0x -1.3x
HIVE Unlock Forecast $569M x 1.0x
HUT Unlock Forecast $2253M x 2.4x
IREN Unlock Forecast $6499M x 3.6x
LDI Unlock Forecast $738M -4.1x 2.7x
LMFA Unlock Forecast $6M -0.5x 0.2x
MARA Unlock Forecast $7013M 10.3x 1.5x
MBNKO Unlock Forecast $833M 19.9x 2.1x
MBNKP Unlock Forecast $591M 14.9x 1.6x
MDBH Unlock Forecast $0M x 0.0x
MFIN Unlock Forecast $346M 8.3x 0.9x
MGLD Unlock Forecast $39M -15.6x 1.6x
MGTE Unlock Forecast $180M x 0.4x
MGTEW Unlock Forecast $12M x 0.0x
MIGI Unlock Forecast $9M -0.4x -8.1x
ML Unlock Forecast $147M 354.3x 0.5x
MSTR Unlock Forecast $104430M 21.8x 2.2x
MVCO Unlock Forecast $M x x
NCPL Unlock Forecast $1M -0.4x 0.0x
NCPLW Unlock Forecast $0M x 0.0x
NCTY Unlock Forecast $M x x
OLKR Unlock Forecast $99M x x
OPFI Unlock Forecast $93M 21.2x 2.7x
OPRT Unlock Forecast $231M -2.1x 0.6x
PAPL Unlock Forecast $3M x 3.5x
PAPLF Unlock Forecast $98M x 116.9x
PGY Unlock Forecast $4186M x 11.4x
PGYWW Unlock Forecast $27M x 0.1x
PWP Unlock Forecast $0M -9.0x 0.0x
QFIN Unlock Forecast $9006M x 0.4x
RHLD Unlock Forecast $243M x 25.3x
RIOT Unlock Forecast $5118M 44.9x 1.6x
SAIH Unlock Forecast $-102M -2.1x 0.0x
SAIHW Unlock Forecast $0M x 0.0x
SDIG Unlock Forecast $74M -0.6x 3.8x
SHFS Unlock Forecast $10M 5.0x -0.6x
SHFSW Unlock Forecast $0M x 0.0x
SLNH Unlock Forecast $9M -0.2x -0.5x
SLNHP Unlock Forecast $61M -0.8x -3.8x
SNFCA Unlock Forecast $231M 10.2x 0.7x
SOFI Unlock Forecast $23389M -103.2x 1.4x
SOS Unlock Forecast $450M x 1.0x
STRD Unlock Forecast $25062M 5.2x 0.5x
STRF Unlock Forecast $35007M 7.3x 0.7x
STRK Unlock Forecast $29818M 6.2x 0.6x
SYF Unlock Forecast $29003M 8.8x 1.7x
SYF-PA Unlock Forecast $7538M 2.3x 0.5x
SYF-PB Unlock Forecast $9932M 3.0x 0.6x
TAOX Unlock Forecast $15M x 0.9x
TRLC Unlock Forecast $47M 5.1x x
TRXA Unlock Forecast $16M x x
UPST Unlock Forecast $7137M -29.6x 9.9x
VEL Unlock Forecast $734M 9.0x 1.2x
VMNT Unlock Forecast $19M x x
WD Unlock Forecast $2817M 25.5x 1.6x
WINSF Unlock Forecast $14M x 0.1x
WULF Unlock Forecast $2094M -31.5x 12.3x

Frequently Asked Questions - Oportun Financial Corp Stock Forecast

How accurate are Oportun Financial Corp stock predictions?

Our AI model demonstrates 12% historical accuracy for OPRT predictions, based on advanced machine learning algorithms trained on over 10 years of market data.

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.

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