OPRT trades 24.8% above Wall Street's consensus target of $8.50.
Last 12 months price action with 12-month analyst target path
The base valuation assumes OPRT achieves its forward estimates and maintains a stable P/E multiple of 6.9x. This scenario reflects the blended consensus of 9 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 7, 2026, Oportun Financial Corporation (OPRT) has a Wall Street consensus price target of $8.50, based on estimates from 9 covering analysts. With the stock currently trading at $11.31, this represents a potential downside of -24.8%. The company has a market capitalization of $519M.
Analyst price targets range from a low of $8.00 to a high of $9.00, representing a 12% spread in expectations. The median target of $8.50 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Hold, with 4 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 15.5x and forward P/E of 6.9x. Analysts expect EPS to grow +124.4% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $25.54, with bear and bull scenarios of $16.09 and $33.65 respectively. Model confidence stands at 55/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 ENVAEnova International, Inc. | $4.3B | $172.48 | $254.60 | +47.6% | Buy | 10.0x | 10 |
 WRLDWorld Acceptance Corporation | $695M | $149.08 | — | — | Hold | 21.1x | 10 |
 RMRegional Management Corp. | $334M | $36.25 | $40.00 | +10.3% | Hold | 7.2x | 16 |
 PRAAPRA Group, Inc. | $493M | $12.92 | $25.00 | +93.5% | Hold | 3.9x | 13 |
 LDIloanDepot, Inc. | $214M | $0.64 | $1.00 | +61.2% | Hold | — | 12 |
 ATLCAtlanticus Holdings Corporation | $1.4B | $91.23 | $136.40 | +49.5% | Buy | 9.2x | 7 |
 CACCCredit Acceptance Corporation | $5.5B | $529.56 | $500.00 | -5.6% | Hold | 10.7x | 18 |
 NAVINavient Corporation | $791M | $8.42 | $10.75 | +27.7% | Hold | 10.7x | 24 |
 SLMSLM Corporation | $3.2B | $16.94 | $26.00 | +53.5% | Buy | 7.9x | 25 |
 QFINQfin Holdings, Inc. | $726M | $5.58 | $14.18 | +154.1% | Buy | 0.3x | 4 |
Quick answers to the most common questions about buying OPRT stock.
OPRT's consensus price target is $8.5, -24.8% below the current price of $11.31. The 9 analysts tracking OPRT see downside risk at present valuations.
OPRT has a consensus rating of "Hold" based on 9 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $8.5 implies -24.8% downside from current levels.
With a forward P/E of 6.9069x, OPRT trades at a relatively low valuation. The consensus target of $8.5 implies -24.8% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $9 for OPRT, while the most conservative target is $8. The consensus of $8.5 represents the median expectation. Our quantitative valuation model projects a bull case target of $34 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
OPRT is moderately covered, with 9 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 4 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.
The 12-month OPRT stock forecast based on 9 Wall Street analysts shows a consensus price target of $8.5, with estimates ranging from $8 (bear case) to $9 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $26, with bear/bull scenarios of $16/$34.
Our quantitative valuation model calculates OPRT's fair value at $26 (base case), with a bear case of $16 and bull case of $34. 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.
OPRT trades at a forward P/E ratio of 6.9x based on next-twelve-months earnings estimates compared to a trailing P/E of 15.5x. 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.
Analysts are cautious on OPRT, with 0 Sell ratings and a price target of $8.5 (-24.8% from current price). The "Hold" consensus suggests careful evaluation before buying. 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.
OPRT analyst price targets range from $8 to $9, a 12% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $8.5 consensus represents the middle ground. Our model's $16-$34 range provides an independent fundamental perspective.
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