Oportun Financial faces a precarious outlook as revenue growth has decelerated from $167.1 million in 2024Q4 to $142.8 million in 2026Q1, signaling significant headwinds for its subprime lending model. While the company has achieved a modest recovery in operat...
Price trend, volume and key moving averages
Trailing total returns as of 9/23/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q3 2026Latest Aug 5, 2026 | $0.42+28.6% vs $0.33 | $233M+1.1% vs $231M |
Q2 2026 May 7, 2026 | $0.21+0.0% vs $0.21 | $229M+0.1% vs $229M |
Q1 2026 Feb 26, 2026 | $0.27+3.8% vs $0.26 | $248M+1.9% vs $243M |
Q4 2025 Nov 4, 2025 | $0.39+50.0% vs $0.26 | $162M-33.6% vs $243M |
SAN MATEO, Calif., Sept. 22, 2026 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that it will participate in the upcoming Sidoti September Virtual Investor Conference.
Experienced consumer financial services and product leaders will deepen member relationships and advance Oportun's mission of expanding access to responsible financial services Experienced consumer financial services and product leaders will deepen member relationships and advance Oportun's mission of expanding access to responsible financial services
SAN MATEO, Calif., Sept. 11, 2026 (GLOBE NEWSWIRE) -- Oportun Financial Corporation ("Oportun", or the "Company") today announced that, on September 10, 2026, in accordance with the offer letter agreement with Sean Rowles, the Company's Chief Risk Officer, previously announced by the Company on June 16, 2026, it granted a long-term new hire equity award consisting of 382,653 restricted stock units representing the right to receive an equivalent number of shares of the Company's common stock ("RSUs") and 127,551 performance-vesting restricted stock units representing the right to receive an equivalent number of shares of the Company's common stock at target ("PSUs") to Mr. Rowles, effective on September 10, 2026. The RSUs and PSUs were an inducement material to Mr. Rowles entering into employment with the Company and granted under and subject to the terms of the Company's Amended and Restated 2021 Inducement Equity Incentive Plan and applicable award agreements. The RSUs will vest as to one-third of the award on the one-year anniversary of the grant date and as to the remaining two-thirds of the award in eight substantially equal quarterly installments, such that the RSUs will be fully vested on the third anniversary of the grant date. The PSUs are eligible to vest after the end of the three-year performance period, based on a combination of performance goals and vesting terms. The vesting of the RSUs and PSUs is generally subject to Mr. Rowles remaining in continuous service with the Company through the relevant vesting dates. Mr. Rowles's offer letter agreement was filed as Exhibit 10.2 to the Company's Current Report on Form 8-K filed with the Securities and Exchange Commission (the "SEC") on June 18, 2026. The Amended and Restated 2021 Inducement Equity Incentive Plan and the forms of RSU and PSU award agreements are filed as exhibits to the Company's Quarterly Report on Form 10-Q filed with the SEC on May 8, 2026.
I rated OPRT a Hold in January over expensive corporate debt, 7.7x leverage, and an ongoing proxy contest. Since then the stock is up around 60%. Each of those concerns has been addressed: the costly term loan is largely repaid, blended cost of debt fell from 8.6% to 6.3%, and activist-driven change brought in new CEO. Credit quality surprised to the upside: 30-day delinquencies of 4% are the lowest since Q4'21, and FY26 charge-off guidance of 11.7% would be a record low.
Benchmark OPRT against direct peers instead of judging its metrics in isolation.
Key metrics vs top competitors for Oportun Financial Corporation (OPRT)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $8.29 | $380.53M | 15.64 | 37.48% | 3.96% | 6.79% | — | |
| $168.98 | $4.21B | 14.59 | 12.2% | 11.81% | 25.76% | — | |
| $172.99 | $806.2M | 25.14 | 2.6% | 6.65% | 11% | — | |
| $31.28 | $288.03M | 7.03 | 9.1% | 7.4% | 13.25% | — | |
| $20.58 | $784.94M | -2.64 | -4.51% | -23.24% | -25.21% | — | |
| $0.73 | $245.17M | -2.44 | 55.3% | -4.75% | -18.63% | — |
Oportun Financial Corporation (OPRT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Oportun Financial Corporation (OPRT) SEC filings — annual & quarterly reports (10-K, 10-Q)
Aug 5, 2026·SEC
Jul 7, 2026·SEC
Jun 24, 2026·SEC
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Oportun Financial Corporation (OPRT) stock FAQ — growth, dividends, profitability & financials explained
Oportun Financial Corporation (OPRT) grew revenue by 37.5% over the past year. This is strong growth.
Yes, Oportun Financial Corporation (OPRT) is profitable, generating $19.5M in net income for fiscal year 2025 (4.0% net margin).
Oportun Financial Corporation (OPRT) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.
Oportun Financial Corporation (OPRT) has a net interest margin (NIM) of 20.8%. This indicates healthy earnings from lending activities.
Oportun Financial Corporation (OPRT) has an efficiency ratio of 56.8%. This is reasonable for a bank.
