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Oportun Financial Corporation (OPRT) Total Return Calculator with Dividends Reinvested

Oportun Financial Corporation

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The total return for Oportun Financial Corporation (OPRT) stock is +0.00% over the past 12 months. So far it's up 9.88% this year. The 5-year total return is -71.75%, meaning $10,000 invested in OPRT stock 5 years ago would be worth $2,825 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in OPRT 1 year ago, it would be worth $10,221 today — you'd have gained $221.

With Dividends Reinvested$10,221+2.21%

Price Only (No DRIP)$10,221+2.21%

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

S&P 500

If You Invested $10,000 in OPRT

1Y$10,000+$0 (+0.0%)0.0% CAGR

3Y$13,831+$3,831 (+38.3%)11.4% CAGR

5Y$2,825-$7,175 (-71.7%)-22.3% CAGR

10Y$3,438-$6,562 (-65.6%)-10.1% CAGR

15Y$3,438-$6,562 (-65.6%)-6.9% CAGR

20Y$3,438-$6,562 (-65.6%)-5.2% CAGR

30Y$3,438-$6,562 (-65.6%)-3.5% CAGR

Oportun Financial Corporation did not pay dividends during this period. Total return = price return.

Loading OPRT total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+9.88%	—	+9.88%	—	$10,988
1Y	+0.00%	0.00%	+0.00%	—	$10,000
3Y	+38.31%	11.42%	+38.31%	—	$13,831
5Y	-71.75%	-22.34%	-71.75%	—	$2,825
10Y	-65.62%	-10.13%	-65.62%	—	$3,438
15Y	-65.62%	-6.87%	-65.62%	—	$3,438
20Y	-65.62%	-5.20%	-65.62%	—	$3,438
30Y	-65.62%	-3.50%	-65.62%	—	$3,438

Risk & Highlights

Best Year+47.19%2019

Worst Year-73.30%2022

Max Drawdown-46.29%2025-07-07 → 2026-03-18

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+2.37%	+2.37%	—	+0.41%	+2.0pp
2025	+35.99%	+35.99%	—	+16.64%	+19.4pp
2024	+0.52%	+0.52%	—	+24.00%	-23.5pp
2023	-30.67%	-30.67%	—	+24.81%	-55.5pp
2022	-73.30%	-73.30%	—	-19.95%	-53.4pp

OPRT underperformed the S&P 500 by 28.44pp over the past year (+0.00% vs +28.44%).

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OPRT Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
OPRTOportun Financial Corporation	$247M	+17.8%	+9.9%	+0.0%	—	+38.3%	-71.7%	-65.6%
ENVAEnova International, Inc.	$4.2B	+22.0%	+4.5%	+80.9%	—	+290.9%	+382.3%	+2010.7%
WRLDWorld Acceptance Corporation	$711M	-1.6%	-0.5%	+5.4%	—	+29.1%	+6.1%	+254.6%
RMRegional Management Corp.	$327M	+1.8%	-10.4%	+31.2%	+4.4pp	+41.7%	-5.2%	+159.4%
PRAAPRA Group, Inc.	$834M	+18.5%	+22.3%	+11.4%	—	-38.4%	-45.6%	-30.6%
LDIloanDepot, Inc.	$499M	+4.2%	-28.7%	+38.0%	—	-12.4%	-90.1%	-89.0%
ATLCAtlanticus Holdings Corporation	$1.2B	+40.2%	+16.9%	+39.9%	—	+174.2%	+140.0%	+2486.3%
CACCCredit Acceptance Corporation	$5.5B	+19.2%	+15.8%	+6.0%	—	+16.7%	+25.7%	+187.5%
NAVINavient Corporation	$819M	+4.3%	-30.6%	-26.8%	+5.0pp	-29.3%	-29.4%	+15.4%
SLMSLM Corporation	$4.5B	+1.7%	-17.3%	-26.7%	+1.7pp	+67.7%	+22.6%	+281.8%
QFINQfin Holdings, Inc.	$3.8B	+1.0%	-22.2%	-63.6%	+5.4pp	-1.5%	-21.1%	+16.3%

Compare:OPRT vs ENVA OPRT vs WRLD OPRT vs RM OPRT vs ENVA vs WRLD

About OPRT Dividend Returns

Oportun Financial Corporation (OPRT) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of OPRT over the past year?

Oportun Financial Corporation (OPRT) delivered a return of 0.00% over the past year. Since OPRT does not currently pay dividends, the total return equals the price-only return.

Q2How much would $10,000 invested in OPRT be worth today?

A $10,000 investment in Oportun Financial Corporation one year ago would be worth $10,000 today, representing a gain of $0.

Q3Does OPRT pay dividends?

Oportun Financial Corporation (OPRT) does not currently pay dividends. Many growth-focused companies reinvest profits back into the business rather than distributing them as dividends. For OPRT, the total return equals the price-only return.

Q4Did OPRT beat the S&P 500?

No, Oportun Financial Corporation (OPRT) underperformed the S&P 500 by 28.44 percentage points over the past year. OPRT delivered a total return of 0.00%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed OPRT by 28.44pp during this period.

Q5What is OPRT's worst drawdown?

Oportun Financial Corporation (OPRT) experienced a maximum drawdown of -46.29% over the past year, declining from its peak on 2025-07-07 to its trough on 2026-03-18. The stock has not yet fully recovered to its prior peak. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is OPRT's long-term total return over 10, 20, or 30 years?

Here are Oportun Financial Corporation (OPRT)'s long-term returns with dividends reinvested. Over 10 years, the total return is -65.6% (-10.1% CAGR) — $10,000 would have grown to $3,438. Over 20 years: -65.6% total return (-5.2% CAGR) — $10,000 → $3,438. Over 30 years: -65.6% total return (-3.5% CAGR) — $10,000 → $3,438. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was OPRT's best and worst year?

Oportun Financial Corporation's best calendar year was 2019 with a total return of 47.2%. Its worst year was 2022 with a total return of -73.3%. This range shows the volatility investors should expect — the difference between the best and worst year is 120.5 percentage points.