OPRT · Oportun Financial Corp

Track OPRT — free

$7.47 +0.14 (+1.84%) At close · Aug 21

Market Cap

$344.90M

45.99M

Up next

Next earnings call

Nov 3, 2026 Est · unconfirmed · in 10 wks

FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 6, 2026

AI Brief

TL;DR.

Bullish

Bearish

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Ask ALVIS about this →

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Bullish Fundamentals Fair Quant / Vol Very High

Market backdrop VIX 16 · calm Equity put/call 0.58

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +35%

above

Price vs 50-day avg +21%

above

RSI (14) 60

neutral

MACD trend Positive

52-week position 81%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +38%

trailing

6-month return +42%

trailing

YTD return +39%

this year

Relative strength +30%

vs S&P · 6-mo

Sentiment

smart money

Bullish

Trend (MA cross) No cross

50d $6 › 200d $5 — 50d above 200d

Institutional flow Accumulating

+4% holders QoQ · +22 funds added

Insider flow Flat

No net insider activity over 90 days

Short interest Falling

3.23% of float · ▼ -3.8% MoM · 3.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

132 holders — near 3-yr high, broad support

Squeeze score 61

elevated · 0–100

Fundamentals

Fair

Revenue growth −5%

Y/Y

EPS growth +127%

Y/Y

Free cash flow $407.4M

Valuation P/E 18.8

rich

Balance sheet $8.6M

net debt

Quant / Vol

risk profile

Very High

Volatility 65%

annualized · 1-yr

Max drawdown −42%

past year

ATR 5.2%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

what management promised — and delivered

Beat or met 4 of last 4

Latest guidance · from the 8-K filed Aug 5, 2026

3Q 2026

Total Revenue Initiated $235M – $240M

prior qtr $233.23M midpoint +1.8% QoQ

Adjusted EBITDA Non-GAAP Initiated $43M – $48M

Full Year 2026

Total Revenue Initiated $935M – $955M

prior FY $956.69M midpoint −1.2% Y/Y

Adjusted EBITDA Non-GAAP Initiated $160M – $175M

Adjusted Net Income Non-GAAP Initiated $74M – $82M

Prior guidance period ended · from the Earnings Call filed Mar 31, 2026

30+ delinquency rate · second quarter 4.1% – 4.2%

Guided vs delivered · last 4 settled

Total Revenue 3Q 2025

guided $237M – $242M

guided $237M – $242M $238.69M In line

Total Revenue Full Year 2025

guided $945M – $960M

guided $945M – $960M $956.69M In line

Total revenue full year

guided $1.05B – $1.06B

guided $1.05B – $1.06B $1.06B In line

Total revenue fourth quarter

guided $260M – $265M

guided $260M – $265M $262.62M In line

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Buy

0 · 4 · 3

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+35% Bullish

Price vs 50-day avg

+21% Bullish

RSI (14)

60 Neutral

MACD trend

Positive Bullish

52-week position

81% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bullish · 3 of 6

Trend (MA cross) No cross

50d $6 › 200d $5 — 50d above 200d

Institutional flow Accumulating

+4% holders QoQ · +22 funds added

Insider flow Flat

No net insider activity over 90 days

Short interest Falling

3.23% of float · ▼ -3.8% MoM · 3.8 days cover

Volume signal Normal

Volume near normal

Institution breadth Multi-yr high

132 holders — near 3-yr high, broad support

Price context

position in its 52-week range

Range low $4 Now $7 · 81% Range high $8

vs 200-day avg +35% vs 50-day avg +21%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
30+ Day Delinquency Rate	4%	Six Months Ended June 30, 2026	—

Adjusted EBITDA non-GAAP	$77.9M	Six Months Ended June 30, 2026	—

Adjusted EPS non-GAAP	$0.42	the second quarter	—

Adjusted Net Income non-GAAP	$30.8M	Six Months Ended June 30, 2026	—

Adjusted Operating Expense non-GAAP	84M	the second quarter	—

Adjusted Operating Expense Ratio non-GAAP	12.8%	the second quarter	—

Adjusted ROE non-GAAP	15.6%	Six Months Ended June 30, 2026	—

Aggregate Originations	$904.7M	Six Months Ended June 30, 2026	—

Annualized interest expense	$181.3M	Six Months Ended June 30, 2026	—
Annualized Net Charge-Off Rate	12.3%	Six Months Ended June 30, 2026	—

Average Daily Debt Balance	$2.71B	Six Months Ended June 30, 2026	—

Average Daily Principal Balance	$2.68B	Six Months Ended June 30, 2026	—
Cost of Debt	6.7%	Six Months Ended June 30, 2026	—
Customer Acquisition Cost	$130	Six Months Ended June 30, 2026	—
Managed Principal Balance at End of Period	$2.78B	Q2 FY2026	—
Net Charge-offs	79M	the second quarter	—

Net Interest Margin Ratio	29%	the second quarter	—

Operating Expense Ratio	13.7%	the second quarter	—

Owned Principal Balance	2.61B	the second quarter	—

Portfolio Yield	32.7%	Six Months Ended June 30, 2026	—

Risk Adjusted Net Interest Margin non-GAAP	$112.3M	Three Months Ended June 30, 2026	—
Risk Adjusted Net Interest Margin Ratio non-GAAP	17%	the second quarter	—

ROE	9%	the second quarter	—

Secured personal loan receivables balance	245M	the second quarter	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Credit Services — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
OPRT Oportun Financial Corp this stock	$344.90M	+38.6%	-4.5%	18.8	3.2%
V Visa Inc.	$652.62B	+4.3%	-4.9%	—	1.2%
MA Mastercard Inc	$508.54B	+0.5%	+16.4%	31.9	1.0%
AXP American Express Co	$223.63B	-10.5%	+13.4%	20.1	1.8%
COF Capital One Financial Corp	$132.22B	-12.3%	+36.6%	—	1.7%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

132

% held: 82.3%
Net QoQ: +2.6M sh
Top holder: Forager Capital Managemen…

Held Float

View

Held by Funds

Fund positions

138

View

Short & Settlement

Short Interest Falling

Shares short

1.5M

Days to cover: 3.8d
Change: -58.2K sh

View

Short Volume

Short vol %

52%

As of: Aug 21, 2026

Short Total

View

Fails to Deliver

FTD shares

3.7K

Value: $20.5K
As of: Jul 27, 2026

View

Off-Exchange

Off-exchange %

43.4%

Week of: Jul 13, 2026

Off-exch Lit

View

Financials

Revenue (FY)

$956.7M

Net income (FY): $25.2M
EPS diluted: $0.53

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 14, 2026
This year: 16

View

Proposed Sales

Value

$187.7K

Shares: 25.0K
Filed: Aug 12, 2026

View

Exempt Offerings

Offering

$86.2M

Filed: Jan 6, 2022

View

Earnings & Events

Earnings Calls

Last call

Aug 11, 2026

View

Performance

	5D	20D	120D	MTD	YTD
OPRT	-4.1%	+38.3%	+41.5%	+32.3%	+38.6%
SPY	-2.0%	+3.3%	+11.2%	+2.1%	+11.8%
vs SPY	-2.1%	+35.0%	+30.3%	+30.2%	+26.7%

Key facts CIK 1538716 CUSIP 68376D104 13F (30d) 125 filings 124 filers Visit website Investor relations

OPRT · Oportun Financial Corp

Price & Indicators

Up next

AI Brief

Equibles Rating

Guidance & track record

Technicals

Key metrics

Versus peers

At a glance

Performance