Oportun Financial Corporation (OPRT) P/E Ratio History
Premium ValuationTrading at 15.5x vs 5Y avg 13.1x · 85th percentile · Premium to historical baseline · Data 2019–2026
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P/E Ratio Analysis
As of November 8, 2026, Oportun Financial Corporation (OPRT) trades at a price-to-earnings ratio of 15.5x, with a stock price of $11.31 and trailing twelve-month earnings per share of $0.73.
The current P/E is 18% above its 5-year average of 13.1x. Over the past five years, OPRT's P/E has ranged from a low of 3.6x to a high of 48.9x, placing the current valuation at the 85th percentile of its historical range.
Compared to the Financial Services sector median P/E of 12.0x, OPRT trades at a 29% premium to its sector peers. The sector includes 762 companies with P/E ratios ranging from 0.0x to 190.1x.
Relative to the broader market, OPRT trades at a notable discount to the S&P 500 median P/E of 21.8x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our OPRT DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
OPRT Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
OPRT P/E vs Peers
Card Issuers and Fintech Lenders peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $4B | 11.9 | - | +56% | |
| $695M | 13.6 | - | -58% | |
| $334M | 7.1 | 0.54 | +7% | |
| $493M | 3.1 | - | -535% | |
| $1B | 7.8 | 0.91 | +25% | |
| $6B | 16.4 | 1.66 | +89%Best | |
| $3B | 5.5 | 0.62 | +29% | |
| $726M | 1.4Lowest | 0.09Best | +5% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
OPRT Historical P/E Data (2019–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q3 | Sep 30 2026 | $8.14 | $0.74 | 11.0x | -16% |
| FY2026 Q2 | - | $5.71 | $0.40 | 14.3x | +9% |
| FY2026 Q1 | - | $4.61 | $0.37 | 12.4x | -5% |
| FY2025 Q4 | Dec 31 2025 | $5.29 | $0.53 | 10.0x | -24% |
| FY2025 Q3 | - | $6.17 | $0.66 | 9.3x | -29% |
| FY2022 Q2 | - | $8.27 | $2.30 | 3.6x | -73% |
| FY2022 Q1 | - | $14.36 | $2.82 | 5.1x | -61% |
| FY2021 Q4 | Dec 31 2021 | $20.25 | $1.55 | 13.1x | -1% |
| FY2021 Q3 | - | $25.03 | $1.38 | 18.1x | +38% |
| FY2021 Q2 | Jun 30 2021 | $20.03 | $0.41 | 48.9x | +272% |
| FY2020 Q1 | - | $10.55 | $1.20 | 8.8x | -33% |
| FY2019 Q4 | - | $23.80 | $2.35 | 10.1x | -23% |
| FY2019 Q3 | Sep 30 2019 | $16.22 | $2.69 | 6.0x | -54% |
Average P/E for displayed period: 13.1x
OPRT Chart Terminal
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Intrinsic Valuation
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Historical Returns
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Peer Comparison
Compare growth, multiples, and margins vs sector.
OPRT — Frequently Asked Questions
Quick answers to the most common questions about buying OPRT stock.
What is OPRT's P/E ratio?
Oportun Financial Corporation (OPRT) trailing twelve-month P/E ratio is 15.5x, based on TTM diluted EPS of $0.73. The 5-year average P/E is 13.1x and the historical range spans 3.6x to 48.9x.
Is OPRT stock overvalued or undervalued?
OPRT trades at 15.5x P/E, near its 5-year average of 13.1x. The 85th percentile ranking within the 3.6x–48.9x historical range places valuation within normal bounds.
Is OPRT stock expensive?
OPRT is fairly valued relative to its own history. The current P/E of 15.5x is near the 5-year average of 13.1x (85th percentile of historical range).
What is OPRT's historical P/E range?
Over the past 5 years, OPRT's P/E ratio has ranged from 3.6x to 48.9x, with a median of 10.1x and an average of 13.1x. The current P/E of 15.5x places the stock at the 85th percentile of this range. Full historical data spans 2019–2026.
How does OPRT's P/E compare to the S&P 500?
OPRT trades at 15.5x P/E versus the S&P 500 median of 21.8x. The 29% discount to the market suggests lower growth expectations or perceived higher risk.
How does OPRT's valuation compare to Financial Services peers?
Oportun Financial Corporation P/E of 15.5x compares to the Financial Services sector median of 12.0x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is OPRT's PEG ratio?
OPRT PEG ratio is N/A, based on a P/E of 15.5x and EPS growth of 127.2%. PEG normalises P/E by growth and helps compare stocks with different earnings trajectories.
What is OPRT's earnings yield?
OPRT earnings yield is 6.45%, the inverse of its 15.5x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.