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OPRT · Oportun Financial Corporation
NASDAQ NMS - GLOBAL MARKET - BOATS Real Time Price • USD
Oportun Financial Corp (OPRT)
NASDAQ NMS - GLOBAL MARKET
Financial Services
$9.34
+0.20
(+2.19%)
● At close: October 21 at 4:00:00 PM EDT
$9.34
+0.00
(+0.00%)
Overnight:
10:27:28 PM EDT
DAY'S RANGE
$9.34
$9.11
$9.34
52-WEEK RANGE
$9.34
$4.03
$9.35
What's happening
- OPRT is up 2.19% today, trading at $9.34. — Live quote
- It's trading within 3% of its 52-week high ($9.35). (Finnhub fundamentals)
- Volume today (39,540) is well below its 3-month average of 560,880. (Finnhub fundamentals)
- Reports earnings on 2026-11-09, 18 days away. (Finnhub earnings calendar)
- Last quarter's EPS beat estimates: $0.42 actual vs. $0.33 estimated (+26.1%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Strong buy 3
Buy 4
Hold 4
Sell 0
Strong sell 0
Aggregate ratings for 2026-10-01 (11 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
YTD RETURN
OPRT
+72.97%
vs S&P 500
+60.19%
1-YEAR RETURN
OPRT
+68.51%
vs S&P 500
+53.95%
6-MONTH RETURN
OPRT
+71.35%
3-MONTH RETURN
OPRT
+58.58%
Earnings Trends (Quarterly EPS Actual vs Estimate)
2026-07-26 (Q2 2026)
$0.42
Est. $0.33
BEAT +26.1%
2026-04-26 (Q1 2026)
$0.21
Est. $0.17
BEAT +24.3%
2026-01-26 (Q4 2025)
$0.27
Est. $0.24
BEAT +10.3%
2025-10-26 (Q3 2025)
$0.39
Est. $0.27
BEAT +42.1%
Valuation Measures & Ratios
Enterprise Value4$2.94B
Forward P/E54.61
PEG Ratio6—
Price / Sales (TTM1)1.07
Price / Book70.64
EV4 / Revenue7.35
EV4 / EBITDA37.93
Profit Margin4.88%
Operating Margin10.01%
Return on Equity (ROE8)4.94%
Return on Assets (ROA9)0.61%
Avg Volume (3M)560,880
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $287.2M | $216.7M | $292.0M | $351.2M | $254.9M |
| P/E | 12.51 | 8.96 | -35.99 | -7.92 | -3.28 |
| Price/Sales | 0.31 | 0.23 | 0.30 | 0.36 | 0.26 |
| Price/Book | 0.71 | 0.55 | 0.76 | 0.93 | 0.70 |
| EV/Revenue | 0.16 | 0.09 | 0.20 | 0.26 | 0.18 |
| ROE | 5.64% | 6.10% | -2.11% | -11.79% | -21.21% |
| ROA | 0.73% | 0.76% | -0.25% | -1.39% | -2.41% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Shares Short1,789,003
Change from Prior Settlement+49.64%
% of Float—
Days to Cover (Short Ratio)2.18
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Events
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
Loading chart…
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
No reviewed peer group is available for this symbol.
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 4.5% on the provider's reported measure. Finnhub fundamentals ↗
- Trailing 52-week price return is +68.5%. Finnhub market metrics ↗
Potential concerns
- Net profit margin is 4.9%. Finnhub fundamentals ↗
- Latest SEC filing is Form 4, filed 2026-09-14; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on OPRT
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $233.2M | $228.8M | $238.7M | $234.3M | $235.9M | $250.0M | $250.4M | $250.5M |
| Net income | $8.5M | $2.3M | $5.2M | $6.9M | $9.8M | -$30.0M | -$31.0M | -$26.4M |
| EPS (diluted) | $0.17 | $0.05 | $0.11 | $0.14 | $0.21 | $-0.75 | $-0.78 | $-0.68 |
| EPS (basic) | $0.18 | $0.05 | $0.11 | $0.15 | $0.21 | $-0.75 | $-0.78 | $-0.68 |
| Net margin | $4 | $1 | $2 | $3 | $4 | -$12 | -$12 | -$11 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $3.13B | $3.17B | $3.26B | $3.19B | $3.20B | $3.23B | $3.23B | $3.25B |
| Total liabilities | $2.72B | $2.77B | $2.87B | $2.80B | $2.83B | $2.86B | $2.87B | $2.92B |
| Stockholders' equity | $407.1M | $396.3M | $390.1M | $383.9M | $376.0M | $366.1M | $353.8M | $327.6M |
| Cash & equivalents | $139.6M | $130.4M | $105.5M | $104.6M | $96.8M | $78.5M | $60.0M | $71.8M |
| Property, plant & equipment | $1.8M | $1.9M | $2.1M | $2.0M | $2.2M | $2.6M | $3.0M | $3.9M |
| Goodwill | — | — | — | — | — | — | — | — |
| Intangible assets | $66.9M | $13.8M | $71.7M | $16.2M | $17.5M | $18.7M | $19.9M | $21.7M |
| Long-term debt | — | — | — | — | — | — | — | — |
| Common stock & paid-in capital | $8.0K | $8.0K | $8.0K | $8.0K | $8.0K | $7.0K | $7.0K | $7.0K |
| Retained earnings | -$216.4M | -$224.9M | -$227.3M | -$230.7M | -$235.9M | -$242.8M | -$252.5M | -$261.3M |
| Accumulated other comprehensive income (loss) | — | — | — | — | — | — | — | — |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $109.3M | $103.7M | $108.9M | $99.0M | $104.5M | $101.0M | $91.4M | $108.5M |
| Investing cash flow | -$50.1M | $8.0M | -$189.2M | -$72.6M | -$52.3M | -$55.5M | -$56.4M | -$110.3M |
| Financing cash flow | -$56.6M | -$100.8M | $55.3M | -$30.7M | -$54.9M | -$29.1M | -$48.9M | -$6.3M |
| Capital expenditures | — | — | — | — | — | — | — | — |
| Depreciation & amortization | $8.8M | $9.0M | $9.5M | $10.2M | $10.7M | $11.1M | $11.5M | $13.5M |
| Share-based compensation | $2.9M | $4.1M | $2.7M | $2.5M | $2.7M | $2.8M | $2.8M | $3.2M |
| Deferred income taxes | — | — | — | — | — | — | — | — |
| Other investing activities | $156.0K | $153.0K | $455.0K | $134.0K | $139.0K | $243.0K | $331.0K | $194.0K |
| Tax withholding on stock comp | — | — | — | — | — | — | — | — |
| Other financing activities | -$796.0K | -$465.0K | -$1.0K | $2.0K | $110.0K | -$511.0K | $0 | -$40.0K |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $956.7M | $1.00B | $1.06B | $952.5M | $626.8M |
| Net income | $25.2M | -$78.7M | -$180.0M | -$77.7M | $47.4M |
| EPS (diluted) | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 |
| EPS (basic) | $0.54 | $-1.95 | $-4.88 | $-2.37 | $1.68 |
| Net margin | $3 | -$8 | -$17 | -$8 | $8 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B |
| Total liabilities | $2.87B | $2.87B | $3.01B | $3.07B | $2.34B |
| Stockholders' equity | $390.1M | $353.8M | $404.4M | $547.6M | $603.9M |
| Cash & equivalents | $105.5M | $60.0M | $91.2M | $98.8M | $131.0M |
| Property, plant & equipment | $2.1M | $3.0M | $7.0M | $10.5M | $9.9M |
| Goodwill | — | — | — | $0 | $104.0M |
| Intangible assets | $15.0M | $19.9M | $27.5M | $35.7M | $43.6M |
| Common stock & paid-in capital | $8.0K | $7.0K | $7.0K | $7.0K | $6.0K |
| Retained earnings | -$227.3M | -$252.5M | -$173.8M | $6.1M | $83.8M |
| Accumulated other comprehensive income (loss) | — | — | — | — | — |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $413.4M | $393.5M | $392.8M | $247.9M | $163.4M |
| Investing cash flow | -$369.7M | -$193.7M | -$286.2M | -$1.17B | -$884.8M |
| Financing cash flow | -$59.4M | -$191.2M | -$104.4M | $934.5M | $745.7M |
| Free cash flow | — | — | — | $241.9M | $151.2M |
| Capital expenditures | — | — | — | $6.0M | $12.3M |
| Depreciation & amortization | $41.4M | $51.2M | $54.9M | $47.5M | $27.1M |
| Share-based compensation | $10.7M | $13.0M | $18.6M | $27.6M | $18.9M |
| Deferred income taxes | — | — | — | $0 | $16.5M |
| Other investing activities | $971.0K | $886.0K | $1.4M | $6.0M | — |
| Tax withholding on stock comp | — | — | $800.0K | $6.2M | $3.2M |
| Other financing activities | -$400.0K | -$272.0K | -$2.7M | -$8.7M | -$3.2M |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding OPRT as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Institutional ownership is not available for this symbol right now.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2025-07-18 to 2026-09-11
Recent transactions
- Insiders have net sold 7,082 shares over the last 182 days, across 0 purchases and 3 sales.
- Most recent: Schueller Joseph Andrew (SVP-Controller, CAO) — Open market sale of 28 shares on 2026-09-11.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Purchases (open market)0 sh(0 txns)
Sales (open market)7,082 sh(3 txns)
Net Shares-7,082
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Schueller Joseph Andrew | SVP-Controller, CAO | Open market sale | 2026-09-11 | 28 |
| Layton Kathleen I. | Chief Legal Officer | Open market sale | 2026-09-10 | 4,223 |
| Rowles Sean A | Chief Risk Officer | Grant / award | 2026-09-10 | 382,653 |
| Scheirman Scott | Director | Grant / award | 2026-08-19 | 20,869 |
| WILCOX WARREN | Director | Grant / award | 2026-08-11 | 20,869 |
| Miramontes Louis | Director | Grant / award | 2026-08-11 | 25,042 |
| Minetti Carlos | Director | Grant / award | 2026-08-11 | 20,869 |
| Daswani Mohit | Director | Grant / award | 2026-08-11 | 20,869 |
| Lee Ginny | Director | Grant / award | 2026-08-11 | 20,869 |
| Tambor Richard N. | Director | Grant / award | 2026-08-11 | 20,869 |
| Bland Douglas K | Chief Executive Officer | Grant / award | 2026-06-10 | 463,822 |
| Kirscht Patrick | Chief Credit Officer | Open market sale | 2026-03-10 | 12,099 |
| Vazquez Raul | Chief Executive Officer | Tax withholding | 2026-03-10 | 18,190 |
| Barefoot Jo Ann | Director | Grant / award | 2025-07-18 | 18,090 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-09-11 | Schueller Joseph Andrew | SVP-Controller, CAO | Open market sale | 28 | $7.80 |
| 2026-09-10 | Schueller Joseph Andrew | SVP-Controller, CAO | Open market sale | 2,831 | $7.80 |
| 2026-09-10 | Layton Kathleen I. | Chief Legal Officer | Open market sale | 4,223 | $7.80 |
| 2026-09-10 | Rowles Sean A | Chief Risk Officer | Grant / award | 382,653 | — |
| 2026-08-19 | Scheirman Scott | Director | Grant / award | 20,869 | — |
| 2026-08-11 | WILCOX WARREN | Director | Grant / award | 20,869 | — |
| 2026-08-11 | Miramontes Louis | Director | Grant / award | 25,042 | — |
| 2026-08-11 | Minetti Carlos | Director | Grant / award | 20,869 | — |
| 2026-08-11 | Daswani Mohit | Director | Grant / award | 20,869 | — |
| 2026-08-11 | Lee Ginny | Director | Grant / award | 20,869 | — |
| 2026-08-11 | Tambor Richard N. | Director | Grant / award | 20,869 | — |
| 2026-06-15 | Tambor Richard N. | Director | Gift | 36,127 | — |
| 2026-06-15 | Tambor Richard N. | Director | Gift | 36,127 | — |
| 2026-06-15 | Tambor Richard N. | Director | Gift | 36,127 | — |
| 2026-06-15 | Tambor Richard N. | Director | Gift | 36,127 | — |
| 2026-06-10 | Bland Douglas K | Chief Executive Officer | Grant / award | 463,822 | — |
| 2026-03-10 | Kirscht Patrick | Chief Credit Officer | Open market sale | 12,099 | $4.90 |
| 2026-03-10 | Kirscht Patrick | Chief Credit Officer | Open market sale | 8,666 | $4.90 |
| 2026-03-10 | Kirscht Patrick | Chief Credit Officer | Open market sale | 14,172 | $4.90 |
| 2026-03-10 | Kirscht Patrick | Chief Credit Officer | Open market sale | 19,362 | $4.90 |
| 2026-03-10 | Kirscht Patrick | Chief Credit Officer | Grant / award | 75,047 | — |
| 2026-03-10 | Vazquez Raul | Chief Executive Officer | Tax withholding | 18,190 | — |
| 2026-03-10 | Vazquez Raul | Chief Executive Officer | Tax withholding | 21,094 | — |
| 2026-03-10 | Vazquez Raul | Chief Executive Officer | Tax withholding | 18,260 | — |
| 2026-03-10 | Vazquez Raul | Chief Executive Officer | Tax withholding | 32,787 | — |
| 2026-03-10 | Layton Kathleen I. | Chief Legal Officer | Open market sale | 1,398 | $4.90 |
| 2026-03-10 | Layton Kathleen I. | Chief Legal Officer | Open market sale | 5,556 | $4.90 |
| 2026-03-10 | Layton Kathleen I. | Chief Legal Officer | Open market sale | 12,401 | $4.90 |
| 2026-03-10 | Layton Kathleen I. | Chief Legal Officer | Grant / award | 70,357 | — |
| 2025-12-31 | Schueller Joseph Andrew | SVP-Controller, PAO & PFO | Grant / award | 45,890 | — |
| 2025-12-31 | Kirscht Patrick | Chief Credit Officer | Grant / award | 95,603 | — |
| 2025-12-31 | Layton Kathleen I. | Chief Legal Officer | Grant / award | 86,043 | — |
| 2025-09-10 | Schueller Joseph Andrew | SVP-Controller, PAO & PFO | Grant / award | 28,090 | — |
| 2025-09-10 | Layton Kathleen I. | Chief Legal Officer | Open market sale | 4,214 | $6.64 |
| 2025-08-21 | Miramontes Louis | Director | Grant / award | 3,644 | — |
| 2025-08-19 | WILCOX WARREN | Director | Grant / award | 18,041 | — |
| 2025-07-18 | Barefoot Jo Ann | Director | Grant / award | 18,090 | — |
| 2025-07-18 | Daswani Mohit | Director | Grant / award | 18,090 | — |
| 2025-07-18 | Lee Ginny | Director | Grant / award | 18,090 | — |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 06:45 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-09-14 | 4 | 2026-09-10 | View on SEC.gov → |
| 2026-09-14 | 4 | 2026-09-10 | View on SEC.gov → |
| 2026-09-14 | 4 | 2026-09-10 | View on SEC.gov → |
| 2026-09-11 | 8-K | 2026-09-05 | View on SEC.gov → |
| 2026-08-25 | 8-K | 2026-08-19 | View on SEC.gov → |
| 2026-08-20 | 4 | 2026-08-19 | View on SEC.gov → |
| 2026-08-14 | 8-K | 2026-08-11 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
| 2026-08-13 | 4 | 2026-08-11 | View on SEC.gov → |
Recent news
Headlines about OPRT (Oportun Financial Corporation). Links open the publisher — we don’t host full articles.
-
Oportun Financial Corp Q3FY26 Results: Earnings call set for Nov 3
scanx.trade · 2026-10-20 -
Oportun to Report Third Quarter 2026 Financial Results Tuesday, November 3, 2026
Yahoo · 2026-10-20 -
Oportun Financial Corporation (NASDAQ:OPRT) Stock Rated "Hold" by Wall Street Brokerages
MarketBeat · 2026-10-20 -
Why (OPRT) Price Action Is Critical for Tactical Trading
Stock Traders Daily · 2026-10-17 -
Jefferies raises target for Oportun Financial stock to USD 9.00 - ad-hoc-news.de
ad-hoc-news.de · 2026-10-15 -
Oportun Financial Eyes Stronger 2026 as Credit Quality, Profits Improve
Yahoo Finance · 2026-09-28 -
Oportun to Present at Sidoti September Virtual Investor Conference
Yahoo Finance · 2026-09-22 -
Oportun Appoints Bernardo Martinez as Chief Retail and Sales Officer and Garrett Hope as Chief Product Officer
Yahoo Finance · 2026-09-21
No headlines in this category right now — try “All”.