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OPRTOportun Financial Corporation
$5.16$236M
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OPRT logo

Oportun Financial Corporation (OPRT) Price Target Analysis

Updated Jun 18, 2026
Analyst Rating: Hold
Based on 8 analysts

110.9% Below Target

OPRT trades 110.9% below Wall Street's consensus target of $10.88.

Current Price$5.16
Average Target$10.88
Target
Current
Low$3.50
Median$8.00
High$24.00

Analyst Target Range

Forward P/E3.3x
(Value)
PEG Ratio—
Implied Growth+324.6%
(High Growth)
Analyst Spread188.4%
(Wide Disagreement)

Price Forecast (1 Year)

Last 12 months price action with 12-month analyst target path

Current$5.16
Consensus$10.88
High$24.00
Low$3.50

Consensus Scenario Assumptions

The base valuation assumes OPRT achieves its forward estimates and maintains a stable P/E multiple of 3.3x. This scenario reflects the blended consensus of 8 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.

Analyst Ratings Distribution

Breakdown of 8 published analyst recommendations for OPRT

63% hold / mixed conviction
+19
BearishBullish
Weighted analyst sentiment score based on 8 ratings
ConsensusHold
Coverage8 Analysts
Net Score+19
Bull / Bear38% / 0%
Strong Buy00%
Buy338%
Hold563%
Sell00%
Strong Sell00%
Strong Buy
00%
Buy
338%
Hold
563%
Sell
00%
Strong Sell
00%
Recommendation Mix38% Buy · 63% Hold · 0% Sell
Buy (3)Hold (5)Sell (0)

OPRT Price Target Analysis

Updated June 21, 2026

As of June 21, 2026, Oportun Financial Corporation (OPRT) has a Wall Street consensus price target of $10.88, based on estimates from 8 covering analysts. With the stock currently trading at $5.16, this represents a potential upside of +110.9%. The company has a market capitalization of $236M.

Analyst price targets range from a low of $3.50 to a high of $24.00, representing a 188% spread in expectations. The median target of $8.00 differs from the mean, suggesting potential outlier estimates. The wide target spread reflects significant disagreement on fair value.

The current analyst consensus rating is Hold, with 3 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.

From a valuation perspective, OPRT trades at a trailing P/E of 9.7x and forward P/E of 3.3x. Analysts expect EPS to grow +324.6% over the next year.

Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $8.75, with bear and bull scenarios of $5.51 and $11.52 respectively. Model confidence stands at 55/100, reflecting moderate uncertainty in projections.

Investment Context: Price targets represent analyst expectations for the next 12 months and should be considered alongside your own research. Targets are based on analysts' assumptions about earnings growth, margins, and market conditions which may change. For sector-specific context, view other Financial Services stocks.

Analyst Sentiment Comparison

Industry Peer Analysis
Avg Peer Upside
+26.0%
Industry Consensus
Avg Forward P/E
10.2x
(Value)
Peers with Coverage
8 / 10
Active Analyst Tracking
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+1.2%
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RMRegional Management Corp.
$350M$37.20——Hold6.7x16
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$570M$14.94$25.00
+67.3%
Hold5.9x13
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LDIloanDepot, Inc.
$392M$1.17$2.40
+105.1%
Hold—12
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ATLCAtlanticus Holdings Corporation
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$6.0B$579.73$540.00
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NAVINavient Corporation
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+7.2%
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+33.7%
Buy7.3x25
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$2.0B$15.21$15.33
+0.8%
Buy0.5x4

OPRT — Frequently Asked Questions

Quick answers to the most common questions about buying OPRT stock.

What is the OPRT stock price target for 2026?

The consensus Wall Street price target for OPRT is $10.88, representing 110.9% upside from the current price of $5.16. With 8 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.

Is OPRT a buy, sell, or hold?

OPRT has a consensus rating of "Hold" based on 8 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $10.88 implies 110.9% upside from current levels.

Is OPRT stock overvalued or undervalued?

With a forward P/E of 3.2971x, OPRT trades at a relatively low valuation. The consensus target of $10.88 implies 110.9% appreciation, suggesting meaningful undervaluation.

How high can OPRT stock go?

The most bullish Wall Street analyst has a price target of $24 for OPRT, while the most conservative target is $3.5. The consensus of $10.88 represents the median expectation. Our quantitative valuation model projects a bull case target of $12 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.

How many analysts cover OPRT stock?

OPRT is moderately covered, with 8 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.

What is the OPRT stock forecast?

The 12-month OPRT stock forecast based on 8 Wall Street analysts shows a consensus price target of $10.88, with estimates ranging from $3.5 (bear case) to $24 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $9, with bear/bull scenarios of $6/$12.

What is OPRT's fair value based on fundamentals?

Our quantitative valuation model calculates OPRT's fair value at $9 (base case), with a bear case of $6 and bull case of $12. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 55/100.

What is OPRT's forward P/E ratio?

OPRT trades at a forward P/E ratio of 3.3x based on next-twelve-months earnings estimates compared to a trailing P/E of 9.7x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.

Should I buy OPRT stock?

Wall Street analysts are very optimistic on OPRT, with a "Hold" consensus rating and $10.88 price target (110.9% upside). 3 of 8 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.

Why do OPRT price targets vary so much?

OPRT analyst price targets range from $3.5 to $24, a 188% wide spread indicating significant analyst disagreement. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $10.88 consensus represents the middle ground. Our model's $6-$12 range provides an independent fundamental perspective.

Consensus-Based Analysis Tools

Intrinsic Valuation

DCF models, multiple analysis, and analyst estimates.

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Historical Returns

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Peer Comparison

Compare growth, multiples, and margins vs sector.

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