OPRT
Strong BuyFull HouseFLAGOportun Financial Corporation · Financial Services · United States · $338M · Avg Vol: $4M/d
Full House: Strong business, sensible price, market agrees. The rare full house.
Insufficient evidence for a screen-pass. Oportun Financial Corporation: clears the 50 floor (Q56/V53/M81) but not the 60 strong bar, and carries no corroborating filing signal (no net insider buying, no active buyback). Absence of evidence is neutral; nothing adverse is known.
The ranks quoted here are from the day it was written; today's Quality, Value and Momentum are the bars above.
ABOUT OPORTUN FINANCIAL CORPORATION
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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% | 744.0M | 401.5M | 422.9M | 2.1% |
| EPS | -2.37 | -4.88 | -1.95 | 0.54 | — | 0.40 | 0.63 | 0.79 | 20.7% |
| 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% | 420.9M | — | — | — |
| 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) | $338M | 91 | Strong Buy |
| PMTS | CPI Card Group Inc. | $332M | 93 | Strong Buy |
| MFIN | Medallion Financial Corp. | $274M | 81 | Strong Buy |
| RM | Regional Management Corp. | $300M | 71 | Buy |
| JCAP | Jefferson Capital, Inc. | $1.2B | 85 | Strong Buy |
| ATLC | Atlanticus Holdings Corporation | $1.4B | 79 | Buy |
| ECPG | Encore Capital Group, Inc. | $2.1B | 87 | Strong Buy |
| WRLD | World Acceptance Corporation | $878M | 63 | Hold |
| OPFI | OppFi Inc. | $602M | 50 | Hold |
| CPSS | Consumer Portfolio Services, Inc. | $203M | 47 | Hold |
Peer medians: ROE 9.6% · P/E 12.6x · Gross margin 100.0%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.