Oportun Financial Corp (OPRT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Oportun Financial Corp stock (OPRT) is currently trading at $4.64. Oportun Financial Corp PE ratio is 8.70. Oportun Financial Corp PS ratio (Price-to-Sales) is 0.28. Analyst consensus price target for OPRT is $8.33. WallStSmart rates OPRT as Underperform.
- OPRT PE ratio analysis and historical PE chart
- OPRT PS ratio (Price-to-Sales) history and trend
- OPRT intrinsic value — DCF, Graham Number, EPV models
- OPRT stock price prediction 2025 2026 2027 2028 2029 2030
- OPRT fair value vs current price
- OPRT insider transactions and insider buying
- Is OPRT undervalued or overvalued?
- Oportun Financial Corp financial analysis — revenue, earnings, cash flow
- OPRT Piotroski F-Score and Altman Z-Score
- OPRT analyst price target and Smart Rating
Oportun Financial Corp
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OPRT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Oportun Financial Corp (OPRT)
OPRT trades 50% above its Graham fair value of $3.60, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Oportun Financial Corp (OPRT) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book, institutional own.. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Oportun Financial Corp (OPRT) Key Strengths (3)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
86.52% of shares held by major funds and institutions
Supporting Valuation Data
Oportun Financial Corp (OPRT) Areas to Watch (6)
Earnings declining -64.80%, profits shrinking
Very thin margins, barely profitable
Micro-cap company with very limited liquidity and high volatility
Low profitability relative to shareholder equity
Thin operating margins with cost pressures present
Modest revenue growth at 7.10%
Oportun Financial Corp (OPRT) Detailed Analysis Report
Overall Assessment
This company scores 48/100 in our Smart Analysis, earning a D+ grade. Out of 9 metrics analyzed, 3 register as strengths (avg 10.0/10) while 6 fall into concern territory (avg 2.7/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, Institutional Own.. Valuation metrics including Price/Sales (0.28), Price/Book (0.51) suggest the stock is attractively priced.
The Bear Case
The primary concerns are EPS Growth, Profit Margin, Market Cap. Growth concerns include Revenue Growth at 7.10%, EPS Growth at -64.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 6.79%, Operating Margin at 10.70%, Profit Margin at 3.48%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 6.79% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 7.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Profit Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
OPRT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
OPRT's Price-to-Sales ratio of 0.28x sits near its historical average of 0.29x (29th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 14% below its historical high of 0.33x set in Mar 2026, and 9% above its historical low of 0.26x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Oportun Financial Corp (OPRT) · FINANCIAL SERVICES › CREDIT SERVICES
The Big Picture
Oportun Financial Corp is a mature, profitable business with steady cash generation. Revenue reached 725M with 7% growth year-over-year. Profit margins are strong at 348.0%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 679.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Generating 103M in free cash flow and 109M in operating cash flow. Earnings are translating into actual cash generation.
Debt-to-equity ratio of 7.15 is elevated. High leverage amplifies both gains and losses and increases financial risk.
What to Watch Next
Debt management: total debt of 2.7B is significantly higher than cash (105M). Monitor refinancing risk.
Sector dynamics: monitor CREDIT SERVICES industry trends, competitive moves, and regulatory changes that could impact Oportun Financial Corp.
Bottom Line
Oportun Financial Corp is a well-established business delivering consistent profitability with 348.0% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(18 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 8:22:18 AM
About Oportun Financial Corp(OPRT)
NASDAQ
FINANCIAL SERVICES
CREDIT SERVICES
USA
Oportun Financial Corporation offers financial services in the United States. The company is headquartered in San Carlos, California.