# Oportun Financial Corporation (OPRT) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Financial Services / Consumer Lending. Price $10.04, market value $462 million.

## Valuation
- **P/E (trailing): 25.1×** (5-yr avg 11.5×, 3-yr avg 10.0×). Oportun Financial Corporation trades at 25.1× trailing earnings, well above its own five-year average of 11.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 5.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.04**. A PEG of 0.04 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.9×**. Each dollar of revenue is priced at 1.9×.
- **Price / book: 1.1×**. The shares trade at 1.1× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 4.0%**. The inverse of the P/E: 4.0% of the price is earned each year.

## Profitability
- **Net margin: 129.7%**. 129.7% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.5%**. 6.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -14.1%** (3-yr -14.5%/yr, 5-yr -49.3%/yr). Revenue fell 14.1% over the last year, against -49.3% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 127.2%**. Earnings per share rose 127.2%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.
- **Cash and short-term investments: $106 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Oportun Financial Corporation does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover Oportun Financial Corporation; the consensus is buy, with an average price target of $11.50 (+15% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 86.1%** (YTD 87.5%, 3-mo 71.0%). The shares are up 86.1% over twelve months including dividends.
- **From 52-week high: -2.3%** (149.1% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 70**. An RSI of 70 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 1.71** (volatility 64%). Beta of 1.71 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=OPRT · Page: https://foliofundamentals.com/stocks/oprt

Not investment advice.