OPRT · Oportun Financial Corp
$5.74
+0.03 (+0.53%)
At close · Jul 28
Market Cap
$262.54M
Shares
45.74M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$5.74
Open$5.75
Day$5.72–5.90
52W$4.03–7.33
Avg vol 30d447K
Short int1.5M · 3.4% float · 3.0d
Short vol27%
Last earningsAug 5, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 8
Up next
Next earnings call
Aug 5, 2026
Scheduled
· in 1 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 8, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
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 adviceOverall
Neutral
SellHoldBuy
Technical
Buy
Momentum
Neutral
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very High
Market backdrop
VIX 18.2 · elevated
Equity put/call 0.71
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+9%
above
Price vs 50-day avg
+5%
above
RSI (14)
52
neutral
MACD trend
Negative
52-week position
52%
mid-range
Momentum
relative strength
1-month return
0%
trailing
6-month return
+2%
trailing
YTD return
+9%
this year
Relative strength
−6%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $5 › 200d $5 — 50d above 200d
Institutional flow
Accumulating
17 of 126 funds reported for Jun 30 · net +9.5K sh shares · +4 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.37% of float · ▲ +12.5% MoM · 3.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
126 holders — near 3-yr high, broad support
Squeeze score
71
high risk · 0–100
Fundamentals
Revenue growth
−5%
Y/Y
EPS growth
+127%
Y/Y
Free cash flow
$407.4M
Valuation
P/E 15.5
in line
Balance sheet
$105.5M
net cash
Quant / Vol
risk profile
Volatility
59%
annualized · 1-yr
Max drawdown
−42%
past year
ATR
5.7%
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
Latest guidance
· from the 8-K filed May 7, 2026
Adjusted EPS
· full year 2026
Non-GAAP
Initiated
$1.50 – $1.65
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+9%
Bullish
Price vs 50-day avg
+5%
Bullish
RSI (14)
52
Neutral
MACD trend
Negative
Bearish
52-week position
52%
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $5 › 200d $5 — 50d above 200d
Institutional flow
Accumulating
17 of 126 funds reported for Jun 30 · net +9.5K sh shares · +4 new
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
3.37% of float · ▲ +12.5% MoM · 3.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
126 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $4
Now $6 · 52%
52-wk high $7
vs 200-day avg +9%
vs 50-day avg +5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| 30+ Day Delinquency Rate | 4.5% | 1Q26 | — |
|
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| Adjusted EBITDA non-GAAP | $29M | 1Q26 | — |
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| Adjusted EPS non-GAAP | $0.21 | 1Q26 | — |
| Adjusted Net Income non-GAAP | $10M | 1Q26 | — |
| Adjusted Operating Expense non-GAAP | $85M | 1Q26 | — |
| Adjusted Operating Expense Ratio non-GAAP | 12.7% | 1Q26 | — |
| Adjusted ROE non-GAAP | 11% | 1Q26 | — |
| Aggregate Originations | $417M | 1Q26 | — |
|
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| Annualized Net Charge-Off Rate | 12.7% | 1Q26 | — |
|
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| Net Charge-offs | $85M | 1Q26 | — |
| Net Interest Margin Ratio | 26.9% | 1Q26 | — |
| Operating Expense Ratio | 13.6% | 1Q26 | — |
| Owned Principal Balance | $2.6B | 1Q26 | — |
| Portfolio Yield | 32.1% | 1Q26 | — |
|
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| Risk Adjusted Net Interest Margin Ratio | 14.4% | 1Q26 | — |
| ROE | 2% | 1Q26 | — |
| Secured personal loan receivables balance | $233M | 1Q26 | — |
| Average Daily Debt Balance | $2,824.9M | Twelve Months Ended December 31, 2025 | — |
| Average Daily Principal Balance | $2,701.7M | Twelve Months Ended December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OPRT
this stock
Oportun Financial Corp
|
$262.54M | +8.5% | -5.2% | 15.5 | 3.4% |
|
V
Visa Inc.
|
$650.29B | +4.7% | +12.3% | — | 1.3% |
|
MA
Mastercard Inc
|
$487.48B | -3.2% | +16.4% | 31.9 | 1.0% |
|
AXP
American Express Co
|
$226.49B | -8.8% | +13.4% | 20.4 | 1.7% |
|
COF
Capital One Financial Corp
|
$132.18B | -12.0% | +36.6% | 54.2 | 2.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OPRT | -3.5% | -0.2% | +1.6% | +0.5% | +8.5% |
| SPY | -1.0% | 0.0% | +7.4% | -0.8% | +8.6% |
| vs SPY | -2.5% | -0.2% | -5.9% | +1.3% | -0.1% |
Key facts
CIK
1538716
CUSIP
68376D104
13F (30d)
16 filings
16 filers
Visit website
Investor relations