OPRT$4.79
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AI OPRT Summary
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Powered by LiveAIOverall Analysis
HoldOportun Financial Corporation shows mixed signals. While its financial performance has shown recent improvement, its long-term profitability remains a concern, and technical indicators suggest potential short-term headwinds. Thematic positioning in financial services for underserved communities is positive but faces competitive pressures. Investors should monitor earnings reports and industry trends closely.
Thematic
Oportun operates in the fintech sector, focusing on providing financial services to underserved communities, which aligns with trends in financial inclusion and access. However, it faces significant competition and regulatory scrutiny.
Fundamental
Oportun Financial Corporation has demonstrated revenue growth but has struggled with consistent profitability, showing negative net income in recent periods. Its balance sheet indicates significant debt relative to its market capitalization and equity.
Technical
The stock's price action shows volatility with recent upticks but struggles to maintain upward momentum. Technical indicators are mixed, with some suggesting potential short-term selling pressure.
| Factor | Score |
|---|---|
| Financial Inclusion | 80 |
| Fintech Disruption | 70 |
| Regulatory Environment | 40 |
| Competitive Landscape | 50 |
| Economic Sensitivity | 65 |
| Factor | Score |
|---|---|
| Valuation | 60 |
| Valuation | 10 |
| Profitability | 15 |
| Growth | 60 |
| Balance Sheet Health | 20 |
| Cash Flow | 70 |
| Earnings Per Share (EPS) | 10 |
| Factor | Score |
|---|---|
| Trend Analysis | 55 |
| Momentum | 45 |
| Volume Confirmation | 50 |
| Support & Resistance | 55 |
| Short-term Indicators | 40 |
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Powered by LiveAIBullish Points (5)
Surprising EPS Growth
Recent quarterly EPS surprises have been significantly positive, with EPS exceeding estimates by an average of 300% over the last four quarters. This indicates strong and consistent operational performance against expectations.
Improving Price-to-Sales Ratio
The Price-to-Sales (P/S) ratio has decreased from 1.7 in 2021 to 0.6 in 2024, suggesting that the company's revenue is becoming more valuable relative to its market capitalization. This could indicate an undervalued position.
Bearish Points (5)
Negative Net Income and Margin
The company has reported negative net income and net margins for the past two fiscal years (2023: -$179.951 million, -64.1%; 2024: -$78.682 million, -26.7%). This indicates a persistent inability to translate revenue into profit.
High Price-to-Sales Ratio (TTM)
The trailing twelve-month (TTM) Price-to-Sales ratio is 1.1, which, while lower than in previous years, is still significant given the negative net income. This suggests that the market is valuing revenue more than current profitability.
Calendar
August 2025
7
Next Earnings Date
H: $0.25
A: $0.21
L: $0.16
H: 242.10M
A: 239.59M
L: 237.62M
Profile
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.
Seasonals
Price Target
9.42 USD
The 39 analysts offering 1 year price forecasts for OPRT have a max estimate of 11.00 and a min estimate of 7.50.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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