Oportun Financial Corporation (OPRT) — Stock Score Summary

Oportun Financial Corporation (OPRT) has a MoatMap StockRank of 32/100 based on Quality (45/100), Value (45/100), and Momentum (29/100) factor scores. The current signal is SELL. Oportun Financial is a subprime consumer lender facing structural credit quality headwinds. It lacks any competitive moat or alignment with our core macro themes, presenting unfavorable risk-reward.

Oportun Financial Corporation is a mission-driven financial services company providing affordable personal loans and credit cards primarily to underserved communities in the United States, leveraging AI for credit underwriting. The company addresses a significant market gap by serving individuals with limited or no credit history, using proprietary data and AI-driven underwriting models. It is a fintech innovator specializing in inclusive financial services, providing credit access to a large, underserved population.

Key Financial Metrics

Price$4.92
Market Cap$242M
P/E (TTM)13.03
P/E (Forward)2.55
Price/Book0.55
Return on Equity4.7%
Debt/Equity685.78
Gross Margin95.1%
Operating Margin2.5%
Revenue Growth1.3%

Oportun Financial Corporation operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Oportun Financial Corporation’s (OPRT) StockRank?
MoatMap’s StockRank for Oportun Financial Corporation (OPRT) is 32/100, with a Sell signal. It is a composite of Quality (45), Value (45), and Momentum (29) factor ranks across MoatMap’s 19,000+ stock universe.
Does Oportun Financial Corporation have an economic moat?
Oportun Financial Corporation (OPRT) has a Quality factor score of 45/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Oportun Financial Corporation a buy, hold, or sell?
MoatMap’s current signal for Oportun Financial Corporation (OPRT) is Sell, based on a StockRank of 32/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Oportun Financial Corporation in?
Oportun Financial Corporation (OPRT) operates in the Financial Services sector, specifically the Credit Services industry (United States).
Browse all ranked stocksOPRT deep dive reportAI ChampionsHow we score stocksSense-check another stock