# Oportun Financial Corporation (OPRT) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Consumer Finance. Price $7.87, market value $362 million.

## Valuation
- **P/E (trailing): 19.7×** (5-yr avg 11.5×, 3-yr avg 10.0×). Oportun Financial Corporation trades at 19.7× 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 4.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.03**. A PEG of 0.03 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.5×**. Each dollar of revenue is priced at 1.5×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Earnings yield: 5.1%**. The inverse of the P/E: 5.1% 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.

## Price and momentum
- **Total return (1 yr): 16.6%** (YTD 48.8%, 3-mo 65.7%). The shares are up 16.6% over twelve months including dividends.
- **From 52-week high: -5.2%** (95.3% above the low). Trading 5% below 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): 65**. An RSI of 65 is neutral.
- **Beta (1 yr): 1.73** (volatility 65%). Beta of 1.73 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.