OPRT
Oportun Financial Corporation
Financial - Credit Services
Market Cap$259M
5Y Perf.-64.4%
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Stock Comparison
OPRT vs LDI
Revenue, margins, valuation, and 5-year total return — side by side.
LDI
loanDepot, Inc.
Financial - Mortgages
Market Cap$469M
5Y Perf.-92.8%
OPRT vs LDI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | OPRT | LDI |
|---|---|---|
| Industry | Financial - Credit Services | Financial - Mortgages |
| Market Cap | $259M | $469M |
| Revenue (TTM) | $637M | $1.54B |
| Net Income (TTM) | $25M | $-63M |
| Gross Margin | 63.7% | 88.3% |
| Operating Margin | 6.9% | 13.2% |
| Forward P/E | 3.8x | 13.0x |
| Total Debt | $2.81B | $5.04B |
| Cash & Equiv. | $106M | $337M |
OPRT vs LDI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
OPRT
LDI
| Stock | Feb 21 | May 26 | Return |
|---|---|---|---|
| Oportun Financial C… (OPRT) | 100 | 35.6 | -64.4% |
| loanDepot, Inc. (LDI) | 100 | 7.2 | -92.8% |
Price return only. Dividends and distributions are not included.
Quick Verdict: OPRT vs LDI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: OPRT leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. loanDepot, Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
OPRT
Oportun Financial Corporation
The Banking Pick
OPRT carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- beta 2.07
- -64.1% 10Y total return vs LDI's -89.4%
- Lower volatility, beta 2.07, current ratio 9.17x
Best for: income & stability and long-term compounding
LDI
loanDepot, Inc.
The Banking Pick
LDI is the clearest fit if your priority is growth exposure.
- Rev growth 37.6%, EPS growth 43.4%
- 37.6% NII/revenue growth vs OPRT's 19.5%
- 0.8% yield; the other pay no meaningful dividend
Best for: growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | LDI | 37.6% NII/revenue growth vs OPRT's 19.5% |
| Value | OPRT | Lower P/E (3.8x vs 13.0x) |
| Quality / Margins | OPRT | Efficiency ratio 0.6% vs LDI's 0.8% (lower = leaner) |
| Stability / Safety | OPRT | Beta 2.07 vs LDI's 2.11, lower leverage |
| Dividends | LDI | 0.8% yield; the other pay no meaningful dividend |
| Momentum (1Y) | LDI | +37.3% vs OPRT's +6.8% |
| Efficiency (ROA) | OPRT | Efficiency ratio 0.6% vs LDI's 0.8% |
OPRT vs LDI — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLOPRTLAGGINGLDI
LDIloanDepot, Inc.
2leads
OPRTOportun Financial Cor…
3leads
6 Total Categories
CATEGORYLEADERvs LDIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
LDI3/5
Valuation MetricsMultiples, price ratios, and targets
LDI3/5
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
OPRT7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
OPRT5/6
Risk & VolatilityBeta, volatility, and downside exposure
OPRT2/2
Analyst OutlookRatings, price targets, and dividends
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—
Income & Cash Flow (Last 12 Months)
LDI leads this category, winning 3 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
LDI is the larger business by revenue, generating $1.5B annually — 2.4x OPRT's $637M. OPRT is the more profitable business, keeping 4.0% of every revenue dollar as net income compared to LDI's -4.1%.
| Metric | OPRTOportun Financial… | LDIloanDepot, Inc. |
|---|---|---|
| RevenueTrailing 12 months | $637M | $1.5B |
| EBITDAEarnings before interest/tax | $85M | -$2M |
| Net IncomeAfter-tax profit | $25M | -$63M |
| Free Cash FlowCash after capex | $401M | -$735M |
| Gross MarginGross profit ÷ Revenue | +63.7% | +88.3% |
| Operating MarginEBIT ÷ Revenue | +6.9% | +13.2% |
| Net MarginNet income ÷ Revenue | +4.0% | -4.1% |
| FCF MarginFCF ÷ Revenue | +61.0% | -47.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -64.7% | +41.2% |
LDI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
LDI leads this category, winning 3 of 5 comparable metrics.
Valuation Metrics
On an enterprise value basis, LDI's 22.5x EV/EBITDA is more attractive than OPRT's 34.7x.
| Metric | OPRTOportun Financial… | LDIloanDepot, Inc. |
|---|---|---|
| Market CapShares × price | $259M | $469M |
| Enterprise ValueMkt cap + debt − cash | $3.0B | $5.2B |
| Trailing P/EPrice ÷ TTM EPS | 10.96x | -4.67x |
| Forward P/EPrice ÷ next-FY EPS est. | 3.79x | 13.02x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 34.67x | 22.53x |
| Price / SalesMarket cap ÷ Revenue | 0.41x | 0.31x |
| Price / BookPrice ÷ Book value/share | 0.71x | 0.77x |
| Price / FCFMarket cap ÷ FCF | 0.66x | — |
LDI leads this category, winning 3 of 5 comparable metrics.
Profitability & Efficiency
OPRT leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
OPRT delivers a 6.7% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $-15 for LDI. OPRT carries lower financial leverage with a 7.21x debt-to-equity ratio, signaling a more conservative balance sheet compared to LDI's 13.05x. On the Piotroski fundamental quality scale (0–9), OPRT scores 8/9 vs LDI's 4/9, reflecting strong financial health.
| Metric | OPRTOportun Financial… | LDIloanDepot, Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +6.7% | -14.5% |
| ROA (TTM)Return on assets | +0.8% | -1.0% |
| ROICReturn on invested capital | +1.0% | +2.7% |
| ROCEReturn on capital employed | +1.4% | +6.2% |
| Piotroski ScoreFundamental quality 0–9 | 8 | 4 |
| Debt / EquityFinancial leverage | 7.21x | 13.05x |
| Net DebtTotal debt minus cash | $2.7B | $4.7B |
| Cash & Equiv.Liquid assets | $106M | $337M |
| Total DebtShort + long-term debt | $2.8B | $5.0B |
| Interest CoverageEBIT ÷ Interest expense | 0.19x | -0.11x |
OPRT leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
OPRT leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in OPRT five years ago would be worth $2,940 today (with dividends reinvested), compared to $1,011 for LDI. Over the past 12 months, LDI leads with a +37.3% total return vs OPRT's +6.8%. The 3-year compound annual growth rate (CAGR) favors OPRT at 10.4% vs LDI's -6.3% — a key indicator of consistent wealth creation.
| Metric | OPRTOportun Financial… | LDIloanDepot, Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +14.8% | -33.0% |
| 1-Year ReturnPast 12 months | +6.8% | +37.3% |
| 3-Year ReturnCumulative with dividends | +34.5% | -17.6% |
| 5-Year ReturnCumulative with dividends | -70.6% | -89.9% |
| 10-Year ReturnCumulative with dividends | -64.1% | -89.4% |
| CAGR (3Y)Annualised 3-year return | +10.4% | -6.3% |
OPRT leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
OPRT leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
OPRT is the less volatile stock with a 2.07 beta — it tends to amplify market swings less than LDI's 2.11 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. OPRT currently trades 72.9% from its 52-week high vs LDI's 27.7% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | OPRTOportun Financial… | LDIloanDepot, Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 2.07x | 2.11x |
| 52-Week HighHighest price in past year | $7.97 | $5.05 |
| 52-Week LowLowest price in past year | $4.03 | $1.02 |
| % of 52W HighCurrent price vs 52-week peak | +72.9% | +27.7% |
| RSI (14)Momentum oscillator 0–100 | 52.8 | 44.4 |
| Avg Volume (50D)Average daily shares traded | 511K | 2.2M |
OPRT leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates OPRT as "Hold" and LDI as "Hold". Consensus price targets imply 87.3% upside for OPRT (target: $11) vs 48.6% for LDI (target: $2). LDI is the only dividend payer here at 0.83% yield — a key consideration for income-focused portfolios.
| Metric | OPRTOportun Financial… | LDIloanDepot, Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Hold |
| Price TargetConsensus 12-month target | $10.88 | $2.08 |
| # AnalystsCovering analysts | 8 | 12 |
| Dividend YieldAnnual dividend ÷ price | — | +0.8% |
| Dividend StreakConsecutive years of raises | — | 0 |
| Dividend / ShareAnnual DPS | — | $0.01 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.0% |
Insufficient data to determine a leader in this category.
Key Takeaway
OPRT leads in 3 of 6 categories (Profitability & Efficiency, Total Returns). LDI leads in 2 (Income & Cash Flow, Valuation Metrics).
Best OverallOportun Financial Corporati… (OPRT)Leads 3 of 6 categories
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OPRT vs LDI: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is OPRT or LDI a better buy right now?
For growth investors, loanDepot, Inc.
(LDI) is the stronger pick with 37. 6% revenue growth year-over-year, versus 19. 5% for Oportun Financial Corporation (OPRT). Oportun Financial Corporation (OPRT) offers the better valuation at 11. 0x trailing P/E (3. 8x forward), making it the more compelling value choice. Analysts rate Oportun Financial Corporation (OPRT) a "Hold" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — OPRT or LDI?
On forward P/E, Oportun Financial Corporation is actually cheaper at 3.
8x.
03Which is the better long-term investment — OPRT or LDI?
Over the past 5 years, Oportun Financial Corporation (OPRT) delivered a total return of -70.
6%, compared to -89. 9% for loanDepot, Inc. (LDI). Over 10 years, the gap is even starker: OPRT returned -64. 1% versus LDI's -89. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — OPRT or LDI?
By beta (market sensitivity over 5 years), Oportun Financial Corporation (OPRT) is the lower-risk stock at 2.
07β versus loanDepot, Inc. 's 2. 11β — meaning LDI is approximately 2% more volatile than OPRT relative to the S&P 500. On balance sheet safety, Oportun Financial Corporation (OPRT) carries a lower debt/equity ratio of 7% versus 13% for loanDepot, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — OPRT or LDI?
By revenue growth (latest reported year), loanDepot, Inc.
(LDI) is pulling ahead at 37. 6% versus 19. 5% for Oportun Financial Corporation (OPRT). On earnings-per-share growth, the picture is similar: Oportun Financial Corporation grew EPS 127. 2% year-over-year, compared to 43. 4% for loanDepot, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — OPRT or LDI?
Oportun Financial Corporation (OPRT) is the more profitable company, earning 4.
0% net margin versus -4. 1% for loanDepot, Inc. — meaning it keeps 4. 0% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: LDI leads at 13. 2% versus 6. 9% for OPRT. At the gross margin level — before operating expenses — LDI leads at 88. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is OPRT or LDI more undervalued right now?
On forward earnings alone, Oportun Financial Corporation (OPRT) trades at 3.
8x forward P/E versus 13. 0x for loanDepot, Inc. — 9. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for OPRT: 87. 3% to $10. 88.
08Which pays a better dividend — OPRT or LDI?
In this comparison, LDI (0.
8% yield) pays a dividend. OPRT does not pay a meaningful dividend and should not be held primarily for income.
09Is OPRT or LDI better for a retirement portfolio?
For long-horizon retirement investors, loanDepot, Inc.
(LDI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (0. 8% yield). Oportun Financial Corporation (OPRT) carries a higher beta of 2. 07 — meaning larger drawdowns in market downturns, which matters significantly when you cannot wait years for a recovery. Both have compounded well over 10 years (LDI: -89. 4%, OPRT: -64. 1%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between OPRT and LDI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
LDI pays a dividend while OPRT does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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