📊 OPRT Key Takeaways
Is Oportun Financial Corp (OPRT) a Good Investment?
Oportun demonstrates exceptional revenue growth (4814% YoY) with strong free cash flow generation (97.7M, 42.7% FCF margin), indicating operational viability and cash generation despite thin accounting margins typical of financial services. However, net income flatness despite massive revenue growth raises concerns about sustainable profitability, warranting monitoring of margin expansion as the business scales.
Oportun has returned to profitability with $44M operating income and $25M net income, backed by strong operating/free cash flow and manageable leverage. However, margins and returns remain modest (4.6% operating, 2.6% net, 6.5% ROE), and the extreme YoY revenue jump likely reflects base effects rather than durable growth. Fundamentals suggest stabilization rather than a clear breakout, warranting patience as credit and funding trends clarify.
Oportun Financial Corp Key Strengths (OPRT)
- Exceptional free cash flow generation (97.7M, 42.7% FCF margin) demonstrates strong underlying business cash conversion
- Substantial revenue growth (228.8M, 4814% YoY) indicates significant market expansion or successful acquisition integration
- Moderate leverage (0.61x Debt/Equity) with adequate liquidity (130.4M cash) provides financial flexibility
- Strong operating and free cash flow (42.6% FCF margin)
- Revenue rebound and EPS growth signaling a turnaround
- Moderate debt-to-equity and sizable asset base
OPRT Stock Risks: Oportun Financial Corp Investment Risks
- Net income completely flat YoY (2.3M) despite massive revenue explosion indicates profitability not scaling with growth
- Extremely low profitability metrics (1.0% net margin, 0.6% ROE, 0.1% ROA) suggest structurally weak margins or integration challenges
- Disconnect between strong FCF and weak net income requires investigation - may indicate accounting/non-cash charge issues or revenue quality concerns
- Credit quality risk and potential higher charge-offs
- Funding-cost/interest-rate pressure with limited visibility
- Thin margins and low ROE increase earnings sensitivity
Key Metrics to Watch
- Net margin expansion trajectory as revenue growth normalizes
- Operating leverage improvement and ability to achieve sustainable profitability
- Loan portfolio credit quality and charge-off rates (critical for lending business viability)
- Net charge-off rate
- Cost of funds (funding spread)
Oportun Financial Corp (OPRT) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 42.7% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
OPRT Profit Margin, ROE & Profitability Analysis
OPRT vs Finance Sector: How Oportun Financial Corp Compares
How Oportun Financial Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Oportun Financial Corp Stock Overvalued? OPRT Valuation Analysis 2026
Based on fundamental analysis, Oportun Financial Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Oportun Financial Corp Balance Sheet: OPRT Debt, Cash & Liquidity
OPRT Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Oportun Financial Corp's revenue has declined by 27% over the 5-year period, indicating business contraction. The most recent EPS of $-1.95 indicates the company is currently unprofitable.
OPRT Revenue Growth, EPS Growth & YoY Performance
OPRT Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $4.6M | $2.3M | $0.05 |
| Q3 2025 | $4.9M | $5.2M | $0.11 |
| Q2 2025 | $4.8M | $6.9M | $0.14 |
| Q1 2025 | $5.0M | $9.8M | $0.21 |
| Q3 2024 | $6.2M | -$14.9M | $-0.55 |
| Q2 2024 | $5.4M | -$14.9M | $-0.41 |
| Q1 2024 | $6.5M | -$26.4M | $-0.68 |
| Q3 2023 | $6.2M | -$9.2M | $-0.55 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Oportun Financial Corp Dividends, Buybacks & Capital Allocation
OPRT SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Oportun Financial Corp (CIK: 0001538716)
📋 Recent SEC Filings
❓ Frequently Asked Questions about OPRT
What is the AI rating for OPRT?
Oportun Financial Corp (OPRT) has a Combined AI Grade of A from Claude (A) and ChatGPT (B) with 64% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are OPRT's key strengths?
Claude: Exceptional free cash flow generation (97.7M, 42.7% FCF margin) demonstrates strong underlying business cash conversion. Substantial revenue growth (228.8M, 4814% YoY) indicates significant market expansion or successful acquisition integration. ChatGPT: Strong operating and free cash flow (42.6% FCF margin). Revenue rebound and EPS growth signaling a turnaround.
What are the risks of investing in OPRT?
Claude: Net income completely flat YoY (2.3M) despite massive revenue explosion indicates profitability not scaling with growth. Extremely low profitability metrics (1.0% net margin, 0.6% ROE, 0.1% ROA) suggest structurally weak margins or integration challenges. ChatGPT: Credit quality risk and potential higher charge-offs. Funding-cost/interest-rate pressure with limited visibility.
What is OPRT's revenue and growth?
Oportun Financial Corp reported revenue of $228.8M.
Does OPRT pay dividends?
Oportun Financial Corp does not currently pay dividends.
Where can I find OPRT SEC filings?
Official SEC filings for Oportun Financial Corp (CIK: 0001538716) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is OPRT's EPS?
Oportun Financial Corp has a diluted EPS of $0.05.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is OPRT's fundamental grade?
Based on our AI fundamental analysis in May 2026, Oportun Financial Corp has a A grade with 64% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is OPRT stock overvalued or undervalued?
Valuation metrics for OPRT: ROE of 0.6% (sector avg: 12%), net margin of 1.0% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is OPRT's AI grade for 2026?
Our dual AI analysis gives Oportun Financial Corp a combined A grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is OPRT's free cash flow?
Oportun Financial Corp's operating cash flow is $103.7M, with capital expenditures of $6.0M. FCF margin is 42.7%.
How does OPRT compare to other Finance stocks?
Vs Finance sector averages: Net margin 1.0% (avg: 25%), ROE 0.6% (avg: 12%), current ratio N/A (avg: 1.2).