OPRT Company Profile and Key Details

Short-term trend indicators are mixed aligned (SMA20 -0.11%, SMA50 0.22%, SMA200 -9.71%). The stock’s 14-day RSI is 49.24 (neutral), while the ATR of 0.31 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -42.13% below its high and over 32.1% above its low. Average 10-day trading volume of 421.96 thousand shares is in line with the 3-month average of 407.92 thousand, indicating normal recent market interest.

Oportun Financial Corporation has 44.01 million shares outstanding. The public float is 31.52 million shares, elevated short interest at 5.60% of float. This equals 1.98 million shares. The short ratio is 3.25 days. Institutional investors hold 87.6% of the float. Insiders own 6.83%. Institutional Venture Management XIV, LLC holds 3.36 million shares, Madrone Partners, L.P. has 2.11 million shares and Vazquez Raul has 1.26 million shares. Over the past six months, insider transactions show net selling. They sold 4.21 thousand shares across 1 transactions.

Wall Street analysts project EPS growth of 36.56% annually over the next five years. The latest quarter delivered EPS of $0.39. The next quarter is forecast at $0.26. Next year's EPS is expected at $146.55. Analyst sentiment is neutral. Analyst rating data shows there are 0 Strong Buy ratings, 0 Buy ratings, 3 Hold ratings, 0 Sell rating and 2 Strong Sell ratings. Price targets range from $8.00 to $5.00. The high target offers 49.53% upside. The low target suggests -6.54% downside. The mean target is $6.10. This offers 14.02% upside. Oportun Financial Corporation earnings surprise history is a mixed track record. The quarter that ended November 04, 2025, missed forecasts by 50.0%. The prior quarter beat by 40.91%. Over the last six quarters, Apple has recorded several small beats. These include -144.44% in August 08, 2024.

Our AI price prediction model suggests that Oportun Financial Corporation stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 7.1%, with price expected at $5.73 by February 19, 2026, within a range of $5.47 to $5.98 3-Month Outlook: Projected rise of 34.02%, reaching $7.17 by May 06, 2026, with a range of $6.85 to $7.56. 1-Year Outlook: Projected gain of 126.17%, with price at $12.10 by February 05, 2027, within a range of $3.40 to $17.33.

Oportun Financial Corporation last paid a dividend of 0 per share, Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $4.88. This means the shares are trading above this model’s fair value.

Oportun Financial Corporation (NASDAQ:OPRT) closed at $5.35 USD, losing -$0.11 (-2.01%) from the previous close of $5.46. The stock is currently mid-range between its 52-week high and low $4.05 and $9.24. With a market capitalization of about $236.09 million, Oportun Financial Corporation is classified as a micro-cap and shows market-like volatility (beta ~1.18). Key stats such as the average daily volume over the past year has been around 414.57 thousand shares, in line with its 52-week average. Headquartered in San Carlos, CA, Oportun Financial Corporation operates in the Financial Services sector and the Financial - Credit Services industry. Led by CEO Raul Vazquez, the company employs approximately 2,312 people and listed since September 26, 2019. Oportun Financial Corporation provides financial services.

Oportun Financial Corporation (NASDAQ:OPRT) shares are flat -8.32% year-to-date currently trading near 52-week highs band. Short-term momentum has been negative over the last quarter, despite recent volatility. Valuation shows Oportun Financial Corporation trading at a premium to the broader market with a P/E of 8.2. Analyst sentiment is mixed, with the majority of ratings in Neutral territory and a mean price target of $9.01, suggesting 68.41% upside. Our AI forecast model points to short-term strength (7.1% over two weeks), a medium-term rise (34.02% over three months), and a longer-term gain (126.17% over one year), with expected trading ranges indicating moderate volatility.

Oportun Financial Corporation trades at a P/E ratio of 8.2, slightly below the S&P 500 average, with a price-to-sales ratio of 0.36 and a price-to-book ratio of 0.65 suggesting the stock is closer to book value. The P/FCF stands at 0.62, also above market averages.