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Upturn AI Summary - About
Oportun Financial Corp(OPRT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for OPRT
10/30/2026: OPRT (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Oportun Financial Corp is a mission-driven consumer finance company that uses AI-powered underwriting to serve underbanked individuals through installment loans, credit cards, and digital banking tools. The company’s primary strength lies in its ability to responsibly lend to customers who often lack traditional credit scores. Its growth story hinges on successfully scaling its digital banking platform and improving cross-selling efficiencies. However, investors face significant risks, including economic sensitivity to loan defaults, intense competition from both legacy and fintech players, and potential regulatory shifts. Oportun may suit investors seeking exposure to fintech innovation, provided they can tolerate high price volatility and credit cycle risks.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth potential exists in digital banking, but near-term profitability remains a focus. |
| Momentum investor | Weak fit | The stock has experienced significant volatility, making it less suitable for momentum strategies without a clear, sustained breakout. |
| Value investor | Mixed fit | Current valuations may look attractive, but credit risk and balance sheet sensitivity require careful fundamental scrutiny. |
| Dividend investor | Weak fit | The company does not pay dividends and prioritizes capital allocation toward growth and operations. |
| Low-risk investor | Weak fit | High credit sensitivity and market volatility make this stock inappropriate for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to significant swings based on macro and credit quality updates. |
| Valuation risk | Medium / high | Market pricing fluctuates heavily based on interest rate expectations and credit performance outlooks. |
| Competition risk (Fintech and Subprime lenders) | High | The market is crowded with both well-capitalized banks and agile fintech competitors. |
| Business quality | Medium | While the mission-driven model is strong, the reliance on credit-sensitive assets creates operational challenges. |
| Dividend income | Low / none | There is no dividend component to total return for investors. |
| Execution risk | Medium / high | Success depends on effectively integrating digital products and managing credit risk across cycles. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Extreme Price Shocks
The stock has experienced exceptionally large and disruptive price movements during the period.
Analysis of Past Performance
Type Stock | Historic Profit 68.36% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/30/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 454.81M USD | Price to earnings Ratio 24.73 | 1Y Target Price 11.5 |
Price to earnings Ratio 24.73 | 1Y Target Price 11.5 | ||
Volume (30-day avg) 710.5K shares | Beta 1.26 | 52 Weeks Range 4.03 - 10.09 | Updated Date 11/01/2026 |
52 Weeks Range 4.03 - 10.09 | Updated Date 11/01/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.4 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Personal Loans | Interest and fee income from short-to-medium-term installment loans. | This is the primary engine of the company, but it carries risk related to how many customers pay back their loans. |
| Digital Banking & Credit Cards | Subscription-based digital tools and interchange/interest income from credit cards. | These products are intended to keep customers engaged long-term and diversify income away from traditional lending. |
Earnings Date
Report Date 2026-11-03 | When After Market | Estimate 0.43 | Actual - |
Profitability
Profit Margin 2.62% | Operating Margin (TTM) 11.62% |
Management Effectiveness
Return on Assets (TTM) 0.62% | Return on Equity (TTM) 4.98% |
Valuation
Trailing PE 24.73 | Forward PE 6.42 | Enterprise Value 2.98B | Price to Sales(TTM) 0.61 |
Enterprise Value 2.98B | Price to Sales(TTM) 0.61 | ||
Enterprise Value to Revenue 7.87 | Enterprise Value to EBITDA - | Shares Outstanding 45.99M | Shares Floating 31.65M |
Shares Outstanding 45.99M | Shares Floating 31.65M | ||
Percent Insiders 8.27 | Percent Institutions 84.67 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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