OPRT · Oportun Financial Corp
$9.56
+0.19 (+2.03%)
At close · Oct 27
Return incl. dividend (before tax)
Market Cap
$430.90M
Shares
45.99M
Volume · Oct 27
607.41K
Avg daily vol (3M)
579.54K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$9.56
Open$9.49
Day$9.27–9.63
52W close$4.13–9.56
Avg vol 30d734K
Short int1.6M · 3.5% float · 2.2d
Short vol60%
Last earningsNov 3, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Nov 3, 2026
Scheduled
· in 1 wks
filed Aug 6, 2026
call held Aug 5, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$948.43M
Trailing 12 months
Net income (TTM)
$19.48M
Trailing 12 months
Revenue growth YoY
-0.5%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
23.9
Trailing earnings · reciprocal yield 4.2%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
—
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
+3.1%
Year over year · more shares
Price change (1Y)
+71.9%
Trailing year
Short interest
3.5%
Latest settlement · 2.2 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
AI Brief
Q2 FY26 earnings call · Aug 5, 2026
Q2 FY26
TL;DR. Oportun exceeded Q2 guidance on revenue and adjusted EBITDA, posted GAAP profitability for a seventh straight quarter with adjusted EPS up 35%, and improved the annualized net charge-off rate to 12%. The company raised its full-year adjusted EBITDA midpoint by 6% to $168 million and improved its full-year annualized net charge-off rate guidance by 20 bps to 11.7%, while maintaining its adjusted net income and adjusted EPS ranges. Management flagged macro headwinds (inflation, uneven job creation, policy uncertainty, higher gas prices) creating a cautious environment for its low-to-moderate-income consumer base.
Bullish
- + Full-year adjusted EBITDA guidance midpoint raised by $10 million (6%) to $168 million, now implying 13% growth.
- + Full-year annualized net charge-off rate midpoint improved by 20 bps to 11.7%, which would be the lowest annual level since 2022.
Bearish
- − Management cites inflation above the Fed's target, uneven job creation, policy uncertainty, and higher gas prices as creating a cautious environment for the low-to-moderate-income consumer.
- − Full-year adjusted net income and adjusted EPS guidance ranges were maintained rather than raised, with higher fair value headwinds from the current rate outlook offsetting lower interest expense benefits.
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Strong Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
High
Market backdrop
VIX 17.5 · elevated
Equity put/call 0.59
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+56%
above
Price vs 50-day avg
+16%
above
RSI (14)
67
neutral
MACD trend
Positive
52-week position
100%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+16%
trailing
6-month return
+65%
trailing
YTD return
+81%
this year
Relative strength
+60%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $8 › 200d $6 — 50d above 200d
Institutional flow
Distributing
24 of 133 funds reported for Sep 30 · net -19.1K sh shares · +9 new
Insider flow
Distributing
Net -$55.2K over 90 days · 100% sells
Short interest
Falling
3.49% of float · ▼ -10.2% MoM · 2.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
133 holders — near 3-yr high, broad support
Squeeze score
60
elevated · 0–100
Fundamentals
Revenue growth
−5%
Y/Y
EPS growth
+127%
Y/Y
Free cash flow
$407.4M
Valuation
P/E 23.4
rich
Balance sheet
$16.9M
net cash
Quant / Vol
risk profile
Volatility
64%
annualized · 1-yr
Max drawdown
−32%
past year
ATR
3.7%
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 Earnings Call filed Aug 5, 2026
third quarter
Total revenue
$235M – $240M
Adjusted EBITDA
Non-GAAP
$43M – $48M
Q3
Total revenue
$235M – $240M
Adjusted EBITDA
Non-GAAP
$43M – $48M
full-year 2026
Total revenue
Maintained
$935M – $955M
May 7, 2026
$935M – $955M
changed to
Aug 5, 2026
$935M – $955M
prior FY $956.69M
midpoint −1.2% Y/Y
Adjusted EBITDA
Non-GAAP
Raised
$160M – $175M
May 7, 2026
$150M – $165M
changed to
Aug 5, 2026
$160M – $175M
Adjusted net income
Non-GAAP
Maintained
$74M – $82M
May 7, 2026
$74M – $82M
changed to
Aug 5, 2026
$74M – $82M
Adjusted EPS
Non-GAAP
Maintained
$1.50 – $1.65
Feb 26, 2026
$1.50 – $1.65
changed to
Aug 5, 2026
$1.50 – $1.65
Previous outlook
earlier release
· from the Earnings Call filed May 7, 2026
Still-open targets the latest release did not restate under the same label.
Adjusted EPS
· full year
$1.50 – $1.65
Prior guidance
period ended
· from the 8-K filed Aug 5, 2026
Total Revenue
· 3Q 2026
$235M – $240M
Adjusted EBITDA
· 3Q 2026
$43M – $48M
Guided vs delivered
· last 8 settled
Total revenue
second quarter
guided $227M – $232M
$233.23M
Beat +1.6%
Total Revenue
1Q 2026
guided $225M – $230M
$228.76M
In line
Total Revenue
4Q 2025
guided $241M – $246M
$247.75M
Beat +1.7%
Total Revenue
Full Year 2025
guided $950M – $955M
$956.69M
Beat +0.4%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+56%
Bullish
Price vs 50-day avg
+16%
Bullish
RSI (14)
67
Neutral
MACD trend
Positive
Bullish
52-week position
100%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross)
No cross
50d $8 › 200d $6 — 50d above 200d
Institutional flow
Distributing
24 of 133 funds reported for Sep 30 · net -19.1K sh shares · +9 new
Insider flow
Distributing
Net -$55.2K over 90 days · 100% sells
Short interest
Falling
3.49% of float · ▼ -10.2% MoM · 2.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
133 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $4
Now $10 · 100%
Range high $10
vs 200-day avg +56%
vs 50-day avg +16%
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 |
|---|---|---|---|
| Average loan size for personal loans originated | $3,365 | the three months ended June 30, 2026 filing | — |
| Average loan size for secured personal loans originated | $6,585 | the three months ended June 30, 2026 filing | — |
| Average loan size for unsecured personal loans originated | $3,365 | the three months ended June 30, 2026 filing | — |
| 30+ Day Delinquency Rate | 4% | 2Q26 | — |
| Adjusted Earnings Per Share non-GAAP | $0.63 | Six Months Ended June 30 | — |
| Adjusted EBITDA non-GAAP | 77.9M | Six Months Ended June 30 | — |
| Adjusted Net Income non-GAAP | 30.8M | Six Months Ended June 30 | — |
| Adjusted Operating Expense non-GAAP | 169.4M | Six Months Ended June 30 | — |
| Adjusted OpEx Ratio non-GAAP | 12.7% | Six Months Ended June 30 | — |
| Adjusted ROE non-GAAP | 15.6% | Six Months Ended June 30 | — |
| Aggregate Originations | $488M | 2Q26 | — |
| Annualized interest expense | $168.2M | Q2 2026 | — |
| Annualized Net Charge-Off Rate | 12% | 2Q26 | — |
| Average Daily Debt Balance | $2.67B | Q2 2026 | — |
| Average Daily Principal Balance | 2.68B | Six Months Ended June 30 | — |
| Cost of Debt | 6.3% | Q2 2026 | — |
| Customer Acquisition Cost | $127 | Q2 2026 | — |
| Managed Principal Balance at End of Period | $2.78B | Q2 2026 | — |
| Net Interest Margin Ratio | 29% | 2Q26 | — |
| Owned Principal Balance at End of Period | $2.61B | 2Q26 | — |
| Portfolio Yield | 33.3% | 2Q26 | — |
| Risk Adjusted Net Interest Margin non-GAAP | 211.5M | Six Months Ended June 30 | — |
| Risk Adjusted Net Interest Margin Ratio non-GAAP | 15.9% | Six Months Ended June 30 | — |
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| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
OPRT
this stock
Oportun Financial Corp
|
$430.90M | +80.7% | -4.5% | 23.4 | 3.5% |
|
V
Visa Inc.
|
$712.77B | +14.6% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$537.43B | +6.8% | +16.4% | 33.8 | 0.8% |
|
AXP
American Express Co
|
$209.82B | -15.4% | +13.4% | 17.6 | 1.6% |
|
COF
Capital One Financial Corp
|
$124.81B | -16.1% | +36.6% | 12.2 | 1.2% |
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
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| OPRT | +4.5% | +16.2% | +64.5% | +17.4% | +80.7% |
| SPY | +0.1% | +0.7% | +4.9% | +0.9% | +12.9% |
| vs SPY | +4.4% | +15.5% | +59.7% | +16.5% | +67.9% |
Key facts
CIK
1538716
CUSIP
68376D104
13F (30d)
27 filings
23 filers
Visit website
Investor relations