Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
OPRT
HOLDOportun Financial Corporation · Financial Services · United States · $257M · Avg Vol: $4M/d
COMPANY DESCRIPTION
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.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 640.7M | 280.7M | 295.2M | 405.8M | -14.1% | 727.5M | 399.8M | 419.7M | 1.7% |
| EPS | -2.37 | -4.88 | -1.95 | 0.54 | — | 0.37 | 0.62 | 0.75 | 17.8% |
| Shares | 33.4M | 34.5M | 36.1M | 44.4M | +33.2% | 46.0M | — | — | — |
| Debt | 3.0B | 2.9B | 2.8B | 2.8B | -1.8% | 2.7B | — | — | — |
| Equity | 547.6M | 404.4M | 353.8M | 390.1M | -10.7% | — | — | — | — |
| Op CF | 247.9M | 392.8M | 393.5M | 413.4M | 18.6% | 416.2M | — | — | — |
| Inv CF | -1.2B | -286.2M | -193.7M | -369.7M | — | — | — | — | — |
| Fin CF | 934.5M | -104.4M | -191.2M | -59.4M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of OPRT are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| OPRT | Oportun Financial Corporation(you) | $257M | 62 | HOLD |
| RM | Regional Management Corp. | $384M | 62 | HOLD |
| LPRO | Open Lending Corporation | $373M | 55 | HOLD |
| MFIN | Medallion Financial Corp. | $226M | 78 | BUY |
| CPSS | Consumer Portfolio Services, Inc. | $205M | 45 | HOLD |
| GDOT | Green Dot Corporation | $753M | 58 | HOLD |
| PRAA | PRA Group, Inc. | $648M | 49 | HOLD |
| WRLD | World Acceptance Corporation | $950M | 71 | BUY |
| PMTS | CPI Card Group Inc. | $224M | 97 | STRONG BUY |
| FOA | Finance of America Companies Inc. | $204M | 27 | SELL |
Peer medians: ROE 9.6% · P/E 13.5x · Gross margin 100.0%