OPRT Company Profile and Key Details

Short-term trend indicators are bullishly aligned (SMA20 2.77%, SMA50 2.48%, SMA200 -7.73%). The stock’s 14-day RSI is 53.74 (neutral), while the ATR of 0.31 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -31.45% below its high and over 34.81% above its low. Average 10-day trading volume of 510.30 thousand shares is in line with the 3-month average of 525.02 thousand, indicating normal recent market interest.

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 $13.22. This means the shares are trading below this model’s fair value.

Wall Street analysts project EPS growth of 36.56% annually over the next five years. The latest quarter delivered EPS of $0.21. The next quarter is forecast at $0.26. Next year's EPS is expected at $146.55. Analyst sentiment is bearish. Analyst rating data shows there are 0 Strong Buy ratings, 1 Buy ratings, 2 Hold ratings, 0 Sell rating and 2 Strong Sell ratings. Price targets range from $9.00 to $5.00. The high target offers 57.62% upside. The low target suggests -12.43% downside. The mean target is $6.30. This offers 10.33% upside. Oportun Financial Corporation earnings surprise history is a consistent trend of beating forecasts. The quarter that ended May 07, 2026, missed forecasts by 0.0%. The prior quarter beat by 3.85%. Over the last six quarters, Apple has recorded several small beats. These include 308.33% in February 12, 2025.

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 31.76 thousand shares across 2 transactions.

Oportun Financial Corporation (NASDAQ:OPRT) closed at $5.71 USD, losing -$0.30 (-4.99%) from the previous close of $6.01. The stock is currently mid-range between its 52-week high and low $4.03 and $7.33. With a market capitalization of about $262.10 million, Oportun Financial Corporation is classified as a micro-cap and shows market-like volatility (beta ~1.23). Key stats such as the average daily volume over the past year has been around 521.05 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 Kathleen I. Layton, the company employs approximately 2,405 people and listed since September 26, 2019. This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options.

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 2.63%, with price expected at $5.86 by July 27, 2026, within a range of $5.62 to $6.08 3-Month Outlook: Projected fall of -27.15%, reaching $4.16 by October 08, 2026, with a range of $3.92 to $4.37. 1-Year Outlook: Projected gain of 197.9%, with price at $17.01 by July 13, 2027, within a range of $8.94 to $22.52.

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 15.14. Analyst sentiment is mixed, with the majority of ratings in Neutral territory and a mean price target of $8.86, suggesting 55.17% upside. Our AI forecast model points to short-term strength (2.63% over two weeks), a medium-term fall (-27.15% over three months), and a longer-term gain (197.9% over one year), with expected trading ranges indicating moderate volatility.

Oportun Financial Corporation trades at a P/E ratio of 15.14, slightly below the S&P 500 average, with a price-to-sales ratio of 0.43 and a price-to-book ratio of 0.7 suggesting the stock is closer to book value. The P/FCF stands at 0.66, also below market averages.