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Oportun Financial Corp (OPRT) stock

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NASDAQ: OPRT Nasdaq Consumer Finance Next results ~November 3, 2026

D Fundamentals grade

Oportun Financial Corp is a US-listed company in the consumer finance industry. Its financial year ends in December.

Who’s trading

What company insiders, investment funds and members of Congress have been doing with the stock, from their own filings.

  • Insiders0 buying, 3 selling0 purchases and 10 sales by directors and officers, last 12 monthsInsider trades
  • Funds85 adding, 43 cuttingOf 27 active managers that changed their stake, 18 added; quarter to June 30, 2026Fund buyers and sellers

Value diary

Our note on each quarter Oportun Financial files

Where Oportun Financial stands after its latest 10-Q

Revenue for the twelve months to June 2026 was $948m, down 2.3% on a year earlier, a smaller fall than the 3.8% decline a quarter earlier. That puts it 27 of 29 for growth among the consumer finance companies we cover. The diluted share count is up 9.4% on a year earlier, which dilutes existing holders.

Our model value for Oportun Financial is under review, so past values are not shown until it is resolved.

Source: 10-Q filed August 6, 2026 on SEC EDGAR · Financials · Valuation

Written from the company's filings and our models when each quarter's report arrives. Figures in older notes are as published at the time. Not investment advice.

The Fundamentalytics view

Next results ~November 3, 2026 (estimated)

Oportun Financial Corp's trailing-twelve-month revenue fell 2.3% year on year, with a free-cash-flow margin of 42.4%. Where it lags: revenue growth of -2.3% ranks 34 of 39 consumer finance companies we cover.

Current signal Results well ahead of expectations: Reported earnings per share beat the analysts' consensus estimate by 29% in the quarter to 2026-06-30, the 4th beat in the last four quarters.

Assembled from SEC-filed figures — the full workings are on this page and in our methodology. Observations, not recommendations.

Highlights

How we pick these

Strengths

  • Strong cash generation. 42.4% of revenue turned into free cash flow.
  • Net cash. Cash exceeds long-term debt by $0.1bn.
  • Beating expectations. Earnings per share beat the analysts' consensus estimate in each of the last four quarters.

Things to watch

  • Revenue shrinking. Revenue fell 2.3% over the last 12 months.
  • Share dilution. Diluted shares rose 9.4% in a year.
  • Volatile shares. Over the past year the shares showed annualised volatility of 64% and a beta of 1.6 against the S&P 500.
  • Below peers: net margin. Net margin of 2.1% ranks 30 of 39 consumer finance companies we cover (median 10.5%).

Latest results: FY2026 Q2

Filed August 6, 2026
Earnings per share
$0.42 against an average estimate of $0.33: beat by 28.6%
Revenue
$233m, down 0.5% on a year earlier
Share reaction
+33.9% in the first session after the results on August 5, 2026, against -0.4% for the S&P 500
Next report
November 3, 2026; average EPS estimate $0.45

Oportun Financial's figures from its SEC filings and results release; estimates are the analysts' average. Not a recommendation.

Price chart

  • 1 day+0.3%
  • 1 week+5.9%
  • 1 month+18.8%
  • This year+87.5%
  • 1 year+86.1%
  • 5 years-57.6%
  • S&P 500 this year+11.2%

Closing prices to 2026-11-02. Price change only, dividends excluded.

Loading chart…

Third-party market data · may be delayed

At a glance

Trailing twelve months, from SEC filings

Profitability

Revenue (TTM)
$948M
Net margin
2.1%
EPS (TTM, diluted)
$0.40

Growth

Revenue growth
−2.3%
Change in growth rate
+1.5 pts
Share count change
+9.4%

Earnings

Last results
August 5, 2026

News & updates

Updated October 31, 2026

Company announcements, filed results and changes that matter to shareholders.

  1. Leadership
  2. Leadership
  3. Leadership
  4. Results
  5. Agreement

Refreshed hourly when new source data is available. Summaries are checked against company releases and SEC filings. Company announcement headlines are labelled when a checked summary is unavailable.

Valuation

Oportun Financial Corp valuation models and calculator

No model value for Oportun Financial Corp at the moment. Current status: valuation models disagree too widely to rate. Available reported financials are shown below.

Fundamentalytics rating

model v1.6 · 2026-11-03

Not rated: valuation models disagree too widely to rate: held for review.

The inputs used by the models below have passed source checks. Individual model values are available below and in the interactive valuator. Their differences are shown explicitly; the platform combined value and recommendation remain withheld.

Valuation models

We value Oportun Financial Corp as a bank or lender, with every model that fits that kind of business. Cost of equity 9.9%: the 10-year Treasury yield (4.9%) plus a beta of 1.09 times a 4.5% equity risk premium.

Value per share by model
Model Value per share In the combined value?
Residual income Book value plus the present value of returns above the cost of equity, fading over ten years. — Does not apply: This model is withheld pending its input or assumption review.
Justified price-to-book Book value times (return on equity - growth) / (cost of equity - growth): steady-state returns. — Does not apply: This model is withheld pending its input or assumption review.
Price-to-book vs return on equity (peers) The price-to-book that peers with this return on equity trade on, from a line fitted across peers. ~$2.6 Included
Price-to-book vs peers Book value per share times peers' typical (harmonic-mean) price-to-book. ~$7.1 ~$9.2–$14 Included
Forward price-to-earnings vs peers Next year's consensus earnings per share times peers' typical (harmonic-mean) forward price-to-earnings. Uses analysts' consensus estimates (third-party data), not our forecasts. ~$19 ~$18–$23 Included
Dividend discount (two-stage) Dividends for five years at the growth the business can fund, then a steady payout and growth. — Does not apply: This model is withheld pending its input or assumption review.
Combined value Individual source-checked model scenarios are available. The platform combined value and recommendation remain withheld. — Combined value withheld. Review the individual models and their assumptions.

Different models fail in different ways, so where several apply we average them rather than trust one. Peer-based models compare Oportun Financial Corp with banks and lenders in our coverage, using third-party market data. Model values are estimates under stated assumptions, updated as new filings arrive; not price targets or investment advice. How each model works.

Moat

32 /100

Weak moat

How hard Oportun Financial's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 0 / 20

    Net income has been a median -0.1% of total assets over 7 years.

  • Durability 0 / 20

    Net margin has been a median 0.8%; its worst year was -22.3%.

  • Cash conversion 20 / 20

    Free cash flow was positive in 7 of 7 years, at a median 32.8% of revenue.

  • Discipline 10 / 20

    The diluted share count rose 69.4% over five years; stock-based pay has been a median 1.9% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (38 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Forecasts and guidance

Next results: November 3, 2026, after the close. Analysts expect revenue of $238m and EPS of $0.45 (range $0.40 to $0.48) for the quarter.

Analysts' consensus

Fiscal yearEPSGrowthRevenueGrowth
Current $1.58 +16% $945m −1%
Next $1.95 +24% $995m +5%

Next year's EPS estimate has moved +3.5% in 90 days, across 5 analysts.

How the EPS forecast has moved

The consensus EPS forecast for the current fiscal year is +1.0% on 90 days ago. In the last 30 days, 4 analysts raised Oportun Financial Corp's forecast and 1 cut it.

Consensus EPS forecast Oportun Financial Corp, last 90 days
$1.40 $1.60 $1.80 $2.00 90 days ago 60 days ago 30 days ago 7 days ago Now Current fiscal year, 90 days ago: $1.56 Current fiscal year, 60 days ago: $1.58 Current fiscal year, 30 days ago: $1.58 Current fiscal year, 7 days ago: $1.58 Current fiscal year, Now: $1.58 $1.58 Next fiscal year, 90 days ago: $1.89 Next fiscal year, 60 days ago: $1.98 Next fiscal year, 30 days ago: $1.95 Next fiscal year, 7 days ago: $1.95 Next fiscal year, Now: $1.95 $1.95

Average of analysts' published estimates (third-party data).

View chart data
Period Current fiscal yearNext fiscal year
90 days ago $1.56$1.89
60 days ago $1.58$1.98
30 days ago $1.58$1.95
7 days ago $1.58$1.95
Now $1.58$1.95

Earnings against estimates

Quarter toEstimateActualSurprise
Jun 2026 $0.33 $0.42 +28.6%
Mar 2026 $0.17 $0.21 +26.8%
Dec 2025 $0.24 $0.27 +10.2%
Sept 2025 $0.27 $0.39 +43.7%

Adjusted EPS as companies report it, against the average analyst estimate.

Analyst recommendations

4 analysts, Oct 2026
Buy250%
Hold250%
Sell00%

Monthly trend

  1. Oct 2026224
  2. Sep 2026224
  3. Aug 2026325
  4. Jul 2026325

Counts of recommendations published by analysts covering Oportun Financial Corp, by month. Source: Aggregated broker recommendations (third-party data). Aggregated counts only: we do not reproduce any firm's recommendation or price target, and these are not Fundamentalytics ratings.

Positioning

Short interest
4.1%
of tradable shares
Days to cover
2.06
at average volume
Short interest, 1 month
+34%
to October 15, 2026
Held by institutions
85%
of shares
Held by insiders
8.3%
of shares
Employees
2,405
full time

Consensus figures average analysts' published estimates (third-party data); guidance is the company's own. Neither is our forecast. Short interest is reported twice a month and lags. Market data may be delayed.

This section is general information, not investment advice or a personal recommendation, and it does not take account of your objectives or circumstances. Forecasts and guidance are estimates, not promises: companies miss their own guidance and analysts' figures are often revised. Prices can fall as well as rise, and you can lose money. See our disclaimer.

Share-price performance

Market data may be delayed

What moved the share price

Last 12 months +86.1%

$5.33 on October 31, 2025 to $9.92

ThenNowEffect
Revenue (last 12 months) $971m $948m −2.3%
P/S multiple 0.2x 0.5x +108.6%
Share count 44m 49m −8.6%

Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.

Last 3 years +62.1%

$6.12 on November 3, 2023 to $9.92

ThenNowEffect
Revenue (last 12 months) $1.0bn $948m −8.6%
P/S multiple 0.2x 0.5x +153.9%
Share count 34m 49m −30.1%

Biggest factor: p/s multiple. Loss-making at one end, so the split uses price/sales.

The effects multiply back to the price change exactly. Results are the last 12 months as known on each date (filings assumed public 45 days after quarter end).

Return and risk by year

Calendar year 202120222023202420252026 to date
Return
OPRT+5%−73%−29%−1%+36%+88%
Industry peers (median)+44%−33%+15%+30%+20%−4%
S&P 500+29%−18%+26%+25%+18%+11%
Months that ended higher
OPRT50%25%67%42%50%64%
S&P 50075%42%67%75%75%46%
Largest fall from a high during the year
OPRT−30%−80%−73%−51%−53%−32%
S&P 500−5%−25%−10%−8%−19%−9%

Worst fall since September 26, 2019: 92% from November 12, 2021 to April 17, 2024. Getting back needed a 1202% gain, and the shares have not yet recovered.

Price behaviour

52-week range
$4.13 – $9.98
From 52-week high
−0.6%
vs 50-day average
+17.7%
vs 200-day average
+59.0%
Volatility (1 year)
64%
Beta vs S&P 500
1.65

Volatility is the annualised standard deviation of daily returns. Beta 1.5 means the shares typically moved 1.5% for each 1% move in the S&P 500 over the past year. Prices to November 2, 2026.

Share price after results

Next day
7 up, 5 down
typical move ±12.7%
After a week
6 up, 6 down
typical move ±12.0%
After a month
6 up, 6 down
typical move ±15.9%
Results releasedNext dayS&P 500 next day5 days21 days
August 5, 2026 +33.9% −0.4% +25.1% +23.3%
May 7, 2026 −1.1% +0.5% −7.4% −17.9%
February 26, 2026 −6.0% −1.0% −4.4% −18.7%
January 21, 2026 +24.7% +1.7% +11.3% +7.2%
November 4, 2025 −2.8% −0.8% −11.6% −1.7%
August 6, 2025 −7.1% +0.7% −1.3% +3.8%
May 8, 2025 +20.7% +0.6% +24.5% +22.5%
February 12, 2025 +11.5% +0.7% +38.7% −3.8%
November 12, 2024 −6.2% −0.3% −1.9% +20.9%
October 29, 2024 +6.3% −0.1% −1.1% +47.4%
August 8, 2024 +11.2% +2.8% +13.0% −4.7%
May 9, 2024 +21.4% +0.7% +3.3% −19.0%

From the close before the release date to the close 1, 5 and 21 trading days after it, so releases before the open and after the close are both captured. Past moves don't predict future ones.

Oportun Financial Corp in five measures

Fundamentals grade D
Growth Profitability Cash Balance sheet

Growth, profitability, cash generation and balance sheet are percentiles against the companies we cover in the same industry, from SEC filings (100 = best). Value compares the share price with our modelled value range (50 = at our base value; higher = cheaper). A description of reported data and our model — not a quality score or advice.

Fundamentals

Revenue (TTM) Oportun Financial Corp
$900M $950M $1B $1.1B $1.1B FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue (TTM), FY23 Q3: $1.1B Revenue (TTM), FY23 Q4: $1.1B Revenue (TTM), FY24 Q1: $1B Revenue (TTM), FY24 Q2: $1B Revenue (TTM), FY24 Q3: $1B Revenue (TTM), FY24 Q4: $1B Revenue (TTM), FY25 Q1: $987.2M Revenue (TTM), FY25 Q2: $971.1M Revenue (TTM), FY25 Q3: $959.9M Revenue (TTM), FY25 Q4: $956.7M Revenue (TTM), FY26 Q1: $949.5M Revenue (TTM), FY26 Q2: $948.4M $948.4M

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue (TTM)
FY23 Q3 $1.1B
FY23 Q4 $1.1B
FY24 Q1 $1B
FY24 Q2 $1B
FY24 Q3 $1B
FY24 Q4 $1B
FY25 Q1 $987.2M
FY25 Q2 $971.1M
FY25 Q3 $959.9M
FY25 Q4 $956.7M
FY26 Q1 $949.5M
FY26 Q2 $948.4M
Revenue growth, TTM YoY Oportun Financial Corp
-10% 0% 10% 20% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 Revenue growth, TTM YoY, FY23 Q3: 19.4% Revenue growth, TTM YoY, FY23 Q4: 11.0% Revenue growth, TTM YoY, FY24 Q1: 5.1% Revenue growth, TTM YoY, FY24 Q2: -0.6% Revenue growth, TTM YoY, FY24 Q3: -4.1% Revenue growth, TTM YoY, FY24 Q4: -5.2% Revenue growth, TTM YoY, FY25 Q1: -5.8% Revenue growth, TTM YoY, FY25 Q2: -5.9% Revenue growth, TTM YoY, FY25 Q3: -5.3% Revenue growth, TTM YoY, FY25 Q4: -4.5% Revenue growth, TTM YoY, FY26 Q1: -3.8% Revenue growth, TTM YoY, FY26 Q2: -2.3% -2.3%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period Revenue growth, TTM YoY
FY23 Q3 19.4%
FY23 Q4 11.0%
FY24 Q1 5.1%
FY24 Q2 -0.6%
FY24 Q3 -4.1%
FY24 Q4 -5.2%
FY25 Q1 -5.8%
FY25 Q2 -5.9%
FY25 Q3 -5.3%
FY25 Q4 -4.5%
FY26 Q1 -3.8%
FY26 Q2 -2.3%
FCF margin (TTM) Oportun Financial Corp
30% 35% 40% 45% FY23 Q3 FY24 Q2 FY25 Q1 FY26 Q2 FCF margin (TTM), FY23 Q3: 32.8% FCF margin (TTM), FY23 Q4: 34.4% FCF margin (TTM), FY24 Q1: 35.6% FCF margin (TTM), FY24 Q2: 36.7% FCF margin (TTM), FY24 Q3: 37.5% FCF margin (TTM), FY24 Q4: 36.6% FCF margin (TTM), FY25 Q1: 38.9% FCF margin (TTM), FY25 Q2: 39.3% FCF margin (TTM), FY25 Q3: 38.8% FCF margin (TTM), FY25 Q4: 41.0% FCF margin (TTM), FY26 Q1: 41.8% FCF margin (TTM), FY26 Q2: 42.4% 42.4%

Source: SEC EDGAR filings. Retrieved October 29, 2026.

View chart data
Period FCF margin (TTM)
FY23 Q3 32.8%
FY23 Q4 34.4%
FY24 Q1 35.6%
FY24 Q2 36.7%
FY24 Q3 37.5%
FY24 Q4 36.6%
FY25 Q1 38.9%
FY25 Q2 39.3%
FY25 Q3 38.8%
FY25 Q4 41.0%
FY26 Q1 41.8%
FY26 Q2 42.4%

Data: SEC EDGAR XBRL company facts (as filed in 10-K/10-Q); forms 10-K, 10-K/A, 10-Q, 10-Q/A. Generated November 3, 2026. Definitions in our methodology.

Financial statements

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year 2017 Dec 2017 2018 Dec 2018 2019 Dec 2019 2020 Dec 2020 2021 Dec 2021 2022 Dec 2022 2023 Dec 2023 2024 Dec 2024 2025 Dec 2025 LTM Jun 2026
Income
Revenue 361 498 600 584 627 953 1,057 1,002 957 948
Net income −10 123 62 −45 47 −78 −180 −79 25 19
Diluted EPS −$1.41 $1.49 $0.40 −$1.65 $1.56 −$2.37 −$4.88 −$1.95 $0.53 $0.40
Growth (year on year)
Revenue — +37.9% +20.6% −2.7% +7.4% +52.0% +11.0% −5.2% −4.5% −2.3%
Net income — — −50.1% −173.2% — −264.0% — — — —
Diluted EPS — — −73.2% −512.5% — −251.9% — — — —
Margins
Net margin −2.8% 24.8% 10.3% −7.7% 7.6% −8.2% −17.0% −7.9% 2.6% 2.1%
Free-cash-flow margin 36.2% 24.9% 34.9% 25.4% 24.1% 25.4% 37.2% 39.3% 43.2% 44.4%
Cash flow
Cash from operations 139 138 218 153 163 248 393 394 413 421
Capital spending 9 15 9 5 12 6 0 0 0 0
Free cash flow 131 124 209 148 151 242 393 394 413 421
Stock-based pay 6 7 19 19 19 28 19 13 11 12
Free cash flow after stock pay 125 117 190 129 132 214 374 381 403 409
Balance sheet
Cash 48 70 72 136 131 99 91 60 106 140
Total debt 0 863 1,113 1,154 1,654 2,582 1,874 1,103 268 140
Net debt (negative = net cash) −48 793 1,041 1,018 1,523 2,483 1,783 1,043 163 0
Diluted shares 7m 11m 11m 27m 30m 33m 37m 40m 48m 49m

Source: SEC EDGAR XBRL company facts (US and foreign periodic filings); column headings link to the filing. EBITDA is operating income plus depreciation and amortisation. Free cash flow is cash from operations minus capital spending. Growth is left blank when last year's figure was a loss or under 2% of revenue. Share counts and EPS are restated for stock splits. A dash means the company didn't report the figure.

Dividends, buybacks and capital spending

Diluted share count
+9.4%
year over year
Sales & admin spending
3.1%
of revenue

Competitors: side by side with peers

Closest by revenue in consumer finance
Last 12 months unless stated OPRT JFIN HAPN XYF YRD LU Median
Revenue, last 12 months $948m $866m $1.0bn $1.1bn $796m $778m $1.6bn
Revenue growth, last 12 months −2.3% 7.4% 10.0% 30.3% −1.4% −31.4% 10.4%
Revenue growth, 3-year average −3.0% — 3.5% — — — 11.3%
Revenue growth, latest quarter −0.5% — −1.2% — — — 10.6%
Operating margin — 28.9% — 21.3% −103.9% — 11.2%
Operating margin, 3-year average — 27.9% — 28.5% — — 19.8%
Net margin 2.1% 24.7% 20.2% 19.2% 1.0% −37.5% 10.5%
Cash from operations / revenue 44.4% 20.2% −266.8% 19.2% 12.3% 223.2% 22.7%
Free-cash-flow margin 42.4% 10.0% −275.2% 18.9% 11.9% 222.1% 18.4%
Free-cash-flow margin, 3-year average 39.4% 8.0% −313.4% −1.5% 5.0% — 23.6%
Stock pay / revenue 1.3% 2.5% 2.8% 0.8% 0.5% — 1.3%
Change in share count 9.4% −1.7% 1.0% −15.0% −0.0% 24.2% −0.8%

Median of all 39 companies we cover in consumer finance. Shaded: best of the six on that line (lowest for stock pay and share-count growth). 3-year figures average the last three 12-month periods; 3-year growth is compound annual. Source: SEC filings.

Peer comparison

39 consumer finance companies
Measure Company Peer median Rank
Revenue growth Growth -2.3% 10.4% 34 of 39
Change in growth rate Growth +1.5pp +0.6pp 15 of 38
Net margin Profitability 2.1% 10.5% 30 of 39
Stock pay as % of revenue Cash generation 1.3% 1.3% 19 of 36
Change in share count Balance sheet 9.4% -0.0% 31 of 38

Rank 1 = best in the group (for spending, debt and dilution, lower ranks first).

Who owns it

Funds buying and selling
Reported value
$216M
Institutions reporting
132
Shares held vs prior quarter
▲ 8.1%
Positions opened / closed
23 / 12

Top buyers and sellers, Q2 2026: 85 institutions bought and 43 sold ; the biggest buyer was Forager Capital Management, LLC (+1.2M shares) and the biggest seller Millennium Management LLC (−1.3M). See which funds bought and sold →

Largest reported holders, June 30, 2026
Manager Value Shares Share of 13F value Shares QoQ
Forager Capital Management, LLC $25.8M 4.5M 11.9% ▲ 34.2%
Neuberger Berman Group LLC $22.2M 3.9M 10.3% ▲ 2.2%
Blackrock, Inc. $19.2M 3.4M 8.9% ▲ 9.5%
Findell Capital Management LLC $16M 2.8M 7.4% ▲ 1.8%
Vanguard Capital Management LLC $9.9M 1.7M 4.6% ▲ 7.0%
Dimensional Fund Advisors LP $9.5M 1.7M 4.4% ▲ 22.0%
Long Focus Capital Management, LLC $8.7M 1.5M 4.0% 0.0%
Goldman Sachs Group Inc $7.3M 1.3M 3.4% ▲ 57.2%
Simcoe Capital LLC $6.5M 1.1M 3.0% ▲ 13.2%
Meros Investment Management, LP $6.4M 1.1M 3.0% ▲ 54.9%
Boothbay Fund Management, LLC $6.3M 1.1M 2.9% ▲ 28.2%
Geode Capital Management, LLC $6.2M 1.1M 2.9% ▲ 14.0%

From Form 13F filings with the SEC ( quarterly data sets), as reported by each manager for June 30, 2026 and filed up to 45 days later. 13F reports cover long US-listed positions of managers above $100M only, so this is not Oportun Financial Corp's complete shareholder register. Values are as reported by the filers .

Insider trading activity

Full insider history and chart
Insider purchases History → $0 0 trades by 0 insiders, last 12 months Insider sales History → $416,144 10 trades by 3 insiders · 0% under pre-set plans
Net ▼ $416,144 net selling
Insider Date Trade Shares Price Value
Schueller Joseph Andrew SVP-Controller, CAO September 11, 2026 Sell 28 $7.80 $218
Layton Kathleen I. Chief Legal Officer September 10, 2026 Sell 4,223 $7.80 $32,939
Schueller Joseph Andrew SVP-Controller, CAO September 10, 2026 Sell 2,831 $7.80 $22,082
Layton Kathleen I. Chief Legal Officer March 10, 2026 Sell 12,401 $4.90 $60,765
Layton Kathleen I. Chief Legal Officer March 10, 2026 Sell 1,398 $4.90 $6,850
Layton Kathleen I. Chief Legal Officer March 10, 2026 Sell 5,556 $4.90 $27,224
Kirscht Patrick Chief Credit Officer March 10, 2026 Sell 8,666 $4.90 $42,463
Kirscht Patrick Chief Credit Officer March 10, 2026 Sell 12,099 $4.90 $59,285
Kirscht Patrick Chief Credit Officer March 10, 2026 Sell 19,362 $4.90 $94,874
Kirscht Patrick Chief Credit Officer March 10, 2026 Sell 14,172 $4.90 $69,443

From insiders' Form 4 filings with the SEC. Excludes awards, option exercises and shares withheld for tax. "Pre-set plan" means the filing marks the trade as made under a Rule 10b5-1 plan. See every insider trade since five years ago, on a price chart.

Earnings dates and SEC filings

Results announcements

Next expected around November 2, 2026 estimated from the company's past filing pattern, not announced

  • August 5, 2026
  • May 7, 2026
  • February 26, 2026
  • January 21, 2026
  • November 4, 2025
  • August 6, 2025

Recent SEC filings

Data status

When each part of this page on Oportun Financial Corp was last updated.

DataLast updatedSource
Share priceExchange closing prices
Financial statementsSEC 10-K and 10-Q filings
News and updatesCompany releases and SEC 8-K filings
Analyst estimatesAggregated analyst estimates
Valuation and scoresOur models, from the filed figures

How we build and check these figures: methodology and data sources.

Oportun Financial Corp in brief

What does Oportun Financial Corp do?
Oportun Financial Corp is a US-listed company in the consumer finance industry. Its financial year ends in December.
What is Oportun Financial Corp's stock ticker?
Oportun Financial Corp trades under the ticker OPRT on Nasdaq. This page brings together its financial statements, valuation models, ownership and recent company updates.
What is Oportun Financial Corp's revenue, and how fast is it growing?
Over its most recent trailing twelve months, Oportun Financial Corp reported revenue of $948M, 2.3% lower than a year earlier, according to its SEC filings.
What is Oportun Financial Corp's free cash flow?
Oportun Financial Corp's free-cash-flow margin is 42.4% of revenue over the trailing twelve months.
Who are Oportun Financial Corp's largest institutional shareholders?
By value reported in 13F filings for June 30, 2026, the largest reported holders are Forager Capital Management, LLC, Neuberger Berman Group LLC and Blackrock, Inc. 13F reports cover long US-listed positions of managers above $100M, filed up to 45 days after quarter end.
What is Oportun Financial Corp's market cap?
On November 2, 2026, Oportun Financial Corp's market capitalisation was about $482M, with a price-to-earnings ratio of 24.7 and net debt of $221,000. Market figures come from third-party market data and may be delayed.
Who are Oportun Financial Corp's competitors?
In our Consumer Finance peer group, the companies closest to Oportun Financial Corp are Jiayin Group Inc., Happen, Inc., X Financial, Yiren Digital Ltd. and Lufax Holding Ltd. The side-by-side comparison below sets their revenue, margins and growth against Oportun Financial Corp's.
Are insiders buying or selling Oportun Financial Corp stock?
Over the last 12 months, Oportun Financial Corp's directors and officers reported 0 open-market purchases and 10 sales on Form 4. The insider trading page charts every trade.
When is Oportun Financial Corp's next earnings date?
Around November 3, 2026, estimated from the spacing of its past results announcements (8-K filings). That is an estimate, not a confirmed date — Oportun Financial Corp announces its own schedule.