OPRT
Next earnings: Aug 5, 2026 · After close
Signal
Bearish Setup2
Price
1
Move-2.42%Negative session
Volume
1
Volume0.7× avgNormal activity
Technical
1
RSIRSI 46Momentum negative
PRICE
Prev Close
5.38
Open
5.33
Day Range5.10 – 5.45
5.10
5.45
52W Range4.03 – 7.97
4.03
7.97
31% of range
VOLUME & SIZE
Avg Volume
519.6K
FUNDAMENTALS
P/E Ratio
14.2x
Value territory
EPS (TTM)
Div Yield
No dividend
Beta
1.43
Market-like
Performance
1D
-2.42%
5D
-4.72%
1M
-2.60%
3M
+5.85%
6M
+8.92%
YTD
-0.76%
1Y
-24.13%
Best: 6M (+8.92%)Worst: 1Y (-24.13%)
Quick Read
TrendInsufficient MA data
Momentum
BULLISH
revenue +10% YoY · 64% gross margin
Valuation
FAIR
P/E 14x vs ~20x sector
Health
MODERATE
CR 47.3 · FCF $8.44/sh
Bullish
Key MetricsTTM
Market Cap$240.13M
Revenue TTM$616.91M
Net Income TTM$17.88M
Free Cash Flow$409.39M
Gross Margin64.0%
Net Margin2.9%
Operating Margin5.6%
Return on Equity4.6%
Return on Assets0.6%
Debt / Equity6.87
Current Ratio47.29
EPS TTM$0.37
Alpha SignalsFull Analysis →
What Moves This Stock

Net charge-off rates and delinquency trends (30+ day delinquencies as leading indicator)

Loan origination volumes and portfolio growth rates (quarterly originations typically $200M-$300M)

Funding costs and access to securitization markets (ABS execution spreads)

Regulatory developments affecting subprime lending (CFPB actions, state-level APR caps)

Macro Sensitivity
Economic Cycle

high - Oportun's borrower base consists primarily of low-to-moderate income households with limited financial buffers, making credit performance highly sensitive to employment conditions, wage growth, and cost-of-living pressures. During economic downturns, charge-offs can spike 300-500 basis points as borrowers face job losses or reduced hours. Conversely, strong labor markets with rising wages for service-sector and blue-collar workers drive both loan demand and improved repayment capacity.

Interest Rates

Oportun faces significant interest rate sensitivity on both sides of its balance sheet. Rising rates increase funding costs through warehouse lines (typically SOFR + 300-400 bps) and securitization execution, compressing net interest margins unless offset by higher loan yields. However, the company cannot easily reprice existing loans, creating lag effects. Additionally, higher rates reduce borrower affordability and increase competition for creditworthy applicants. The company's high debt/equity ratio (7.15x) amplifies the impact of rate changes on profitability.

Key Risks

Regulatory risk from CFPB or state-level APR caps that could restrict pricing on high-cost loans (several states have enacted 36% APR caps for consumer loans)

Technological disruption from larger fintech platforms (SoFi, Upstart, LendingClub) expanding into subprime segments with superior funding costs and customer acquisition efficiency

Secular shift toward buy-now-pay-later products and embedded finance solutions that compete for the same borrower wallet share

Investor Profile

value - The stock trades at 0.3x sales and 0.6x book value, attracting deep-value investors betting on a turnaround in credit performance and return to profitability. The distressed valuation reflects significant skepticism about the business model's viability, making this a high-risk/high-reward situation for contrarian investors. The negative operating margins and elevated leverage deter growth and income investors, while the 40% one-year decline attracts some momentum traders on short-term bounces.

Watch on Earnings
30+ day delinquency rate as leading indicator of charge-off trendsQuarterly loan origination volume and approval ratesNet charge-off rate (NCO%) versus guidance rangeWeighted average cost of funds and securitization execution spreads
Health Radar
1 strong5 concern
22/100
Liquidity
47.29Strong
Leverage
6.87Concern
Coverage
0.2xConcern
ROE
4.6%Concern
ROIC
0.6%Concern
Cash
$106MConcern
ANALYST COVERAGE8 analysts
HOLD
+52.4%upside to target
L $3.50
Med $8.00consensus
H $24.00
Buy
338%
Hold
563%
3 Buy (38%)5 Hold (63%)0 Sell (-1%)
Full report →
Stock Health
Composite Score
1 of 5 signals bullish
3/10
Technicals
RSI RangeRSI 46 — Bearish momentum
Volume
Volume FlowDistribution — institutional selling
Fundamentals
Last EarningsMissed estimates
Analyst ConsensusHold
~
LiquidityCurrent Ratio 47.29 — healthy liquidity
Upcoming Events
EEarnings ReportMay 18, 2026
Tomorrow
DEx-Dividend DateAug 14, 2026
In 89 days
PDividend PaymentSep 10, 2026
In 116 days
Technicals
Technical SetupBULLISH
Technicals →

Trend

UptrendGolden Cross · 50D leads 200D by 6.3%

+0.5% vs SMA 50 · +6.9% vs SMA 200

Momentum

RSI46.0
Neutral territory
MACD+0.04
Above zero — bullish momentum · compressing
Market Position
Price Levels
52W High
$7.96+51.7%
EMA 50
$5.43+3.4%
Current
$5.25
EMA 200
$4.92-6.3%
52W Low
$4.03-23.2%
52-Week RangeMid-range
$4.0331th %ile$7.96
Squeeze SetupVolume-based
Distribution Pressure

Distribution pattern detected. More selling days than accumulation over the past 20 sessions. Not a conducive environment for a squeeze.

20-Day Money Flow
Acc days:2
Dist days:1
Edge:+1 acc
Volume Context
Avg Vol (50D)479K
Recent Vol (5D)
399K-17%

Based on volume distribution analysis. Direct short interest data (short float %, days to cover) is not available in current data sources.

Earnings & Analysts

ANALYST ESTIMATES

Consensus of 4 analysts
Analyst revisions:Revenue↑ Revised Up

Analyst consensus estimates · Actuals replace estimates as reported

YearRevenue Est.Rev GthEPS Est.EPS GthRangeAnalysts
FY2023
$824.0M
$815.5M$834.6M
-$3.10
±2%
Moderate3
FY2024
$998.7M
$997.1M$1.0B
+21.2%$0.29
±8%
Moderate4
FY2025
$952.1M
$947.7M$955.4M
-4.7%$1.35+364.8%
±2%
Moderate4
Range confidence:Tight (high)ModerateWide (low)
Earnings HistoryOPRT
Last 8Q
+105.2%avg beat
Beat 6 of 8 quartersMissed 1 Estimates rising
+144%
Q3'24
-50%
Q4'24
+308%
Q1'25
+344%
Q2'25
+41%
Q3'25
+50%
Q4'25
+4%
Q1'26
Q2'26
Beat
Miss
Estimate
Deeper color = bigger beat/miss
* Negative EPS shown at reduced height
Analyst Activity
All ratings →
No recent activity
BarclaysEqual-Weight
Jan 6
DOWNGRADE
Insider Activity
SEC Filings →
0 Buys/6 SellsNet Selling
Kirscht PatrickChief Credit O…
$59K
Mar 10
SELL
Kirscht PatrickChief Credit O…
$42K
Mar 10
SELL
Kirscht PatrickChief Credit O…
$69K
Mar 10
SELL
Kirscht PatrickChief Credit O…
$95K
Mar 10
SELL
Layton Kathleen I.Chief Legal Of…
$7K
Mar 10
SELL
Layton Kathleen I.Chief Legal Of…
$27K
Mar 10
SELL
Financials

INSTITUTIONAL OWNERSHIP

1
Neuberger Berman Group LLC
3.8M
2
Forager Capital Management, LLC
3.4M
3
BlackRock, Inc.
3.1M
4
FINDELL CAPITAL MANAGEMENT LLC
2.7M
5
MILLENNIUM MANAGEMENT LLC
2.3M
6
Long Focus Capital Management, LLC
1.5M
7
DIMENSIONAL FUND ADVISORS LP
1.4M
8
TWO SIGMA INVESTMENTS, LP
962K
News & Activity

OPRT News

About

oportun was formerly known as progreso financiero. only the name has changed. we continue our commitment to our mission: to provide responsible, affordable loans that help the underserved hispanic community establish credit and build a better future. oportun’s advanced data analytics and technology determines every applicant’s ability to repay, including those who do not have credit, and enables back-office efficiency. the company delivers a very supportive and welcoming service experience with bilingual staff across channels and operates over 170 locations in ca, il, tx, ut and nv. why we do it: we are committed to providing affordable and responsible credit services to the hispanic community. it is estimated that 23 million hispanics in the united states have limited or no credit history. in fact, approximately half of the company’s first-time customers do not have a credit score at all. oportun reports performance of all loans to two of the credit bureaus and enables customers

Industry
Credit Card Issuing
Doug BlandCEO & Director
Dorian HareSenior Vice President of Investor Relations
Ezra C. GarrettSenior Vice President of Public Affairs & Impact
PeersFinancial Services(7 companies)
Screen sector →
SymbolPriceDay %Mkt CapP/ERev GrwMarginELO
OPRT
$5.25-2.42%$240M14.2+1949.5%396.1%1500
$297.81-0.70%$798.0B14.1+330.7%2039.3%1503
$325.75+1.00%$624.4B28.0+1134.0%5014.5%1500
$494.20+0.87%$436.7B28.3+1641.6%4564.7%1490
$49.77-0.16%$353.2B11.4-45.1%1592.6%1495
$192.51-1.04%$303.6B16.6+1147.7%1466.4%1526
$948.47-2.11%$279.8B15.9-138.4%1373.0%1526
Sector avg-0.65%18.4+860.0%2349.5%1506