US · OPRT
Oportun Financial Corporation
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- San Carlos, CA 94070
- Website
- oportun.com
Price · as of 2025-12-31
$5.73
Market cap 228.59M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $31.01 | +441.19% |
| Intrinsic Value(DCF) | $3.04 | -46.95% |
| Graham-Dodd Method(GD) | $10.78 | +88.2% |
| Graham Formula(GF) | $14.05 | +145.24% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | $7.53 | $0.00 | |||
| 2018 | $43.77 | $282.54 | |||
| 2019 | $20.85 | $128.58 | $8.98 | $85.24 | $32.15 |
| 2020 | $22.31 | $60.41 | $4.36 | $8.82 | $20.98 |
| 2021 | $13.05 | $66.89 | $81.67 | $26.14 | $89.28 |
| 2022 | $4.32 | $57.79 | $227.41 | $4.84 | $0.00 |
| 2023 | $3.62 | $49.22 | $0.00 | $0.00 | $133.96 |
| 2024 | $6.64 | $56.93 | $0.00 | $0.00 | $0.00 |
| 2025 | $5.37 | $31.01 | $1.60 | $10.78 | $14.05 |
AI valuation
Our deep-learning model estimates Oportun Financial Corporation's (OPRT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $31.01
- Current price
- $5.73
- AI upside
- +441.19%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$3.04
-46.95% upside
Graham-Dodd
$10.78
+88.2% upside
Graham Formula
$14.05
+145.24% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| OPRT | Oportun Financial Corpora… | $5.73 | 228.59M | +441% | -47% | +88% | +145% | 10.20 | 0.66 | 0.40 | 3.70 | — | 0.81 | 63.68% | 6.92% | 3.95% | 6.78% | 1.48% | 0.78% | 0.03 | 0.19 | 9.17 | 9.17 | -2.13 | -12718.00% | 1949.00% | 1044.00% | 160.86% | 35.95 | 24.23% | 0.00% | 0.00% | 1111.47% | 3.70 | 0.39 | 0.26 | 0.23 |
| ANTA | Antalpha Platform Holding… | $8.78 | 207.89M | — | — | -66% | +583% | — | — | — | — | — | — | 37.75% | 6.70% | 9.26% | 14.87% | 0.70% | 0.44% | 8.84 | — | 1.05 | 0.99 | 71.08 | -16552.00% | 32096.00% | -364.00% | — | -0.01 | -2.93% | — | 0.00% | — | — | — | — | — |
| CPSS | Consumer Portfolio Servic… | $8.10 | 178.78M | +2,014% | -54% | +125% | +116% | 10.43 | 0.68 | 0.51 | 113.81 | — | 0.68 | 52.75% | 6.97% | 4.88% | 6.77% | 0.64% | 0.60% | 10.78 | 0.14 | — | — | 106.73 | -5611.00% | 1179.00% | -173.00% | 116.45% | — | 7.74% | 0.00% | 0.00% | 6.40% | 117.38 | 13.80 | 8.18 | 0.28 |
| FOA | Finance Of America Compan… | $19.35 | 196.37M | +8,018% | -53% | +75% | +154% | -1.56 | 0.87 | 0.11 | 353.39 | — | 5.70 | 13.88% | 2.20% | 0.79% | -58.50% | 0.15% | -0.51% | 112.49 | 0.03 | 0.09 | 0.09 | 350.68 | -11208.00% | 2425.00% | 49219.00% | -190.70% | -0.33 | -1.52% | 0.00% | 0.00% | 0.00% | 674.85 | -68.18 | 14.82 | -0.01 |
| ISTR | Investar Holding Corporat… | $28.23 | 277.81M | +86% | -29% | -12% | +36% | 8.32 | 0.70 | 1.08 | 8.56 | 39.08 | 0.84 | 54.87% | 15.59% | 12.94% | 8.65% | 17.91% | 0.73% | 0.42 | 0.33 | 0.02 | 0.02 | 2.66 | 2130.00% | 1096.00% | -3874.00% | 9.15% | 0.01 | 13.64% | 2.36% | 19.60% | 2.54% | 9.65 | 15.27 | 1.50 | -0.82 |
| JRVR | James River Group Holding… | $7.00 | 321.76M | +1,085% | -39% | — | +23% | -1.93 | 0.26 | 0.22 | 10.99 | — | 0.41 | 12.34% | -10.05% | -11.46% | -12.74% | 17.03% | -1.57% | 0.51 | -2.88 | — | — | 1.22 | -224.00% | -1285.00% | -40910.00% | -161.24% | — | 67.59% | 12.16% | -23.40% | 82.26% | 7.29 | 2.06 | -0.73 | 0.00 |
| LPRO | Open Lending Corporation | $1.33 | 157.19M | +2,887% | +44% | — | +5,693% | -4.21 | 7.28 | 23.66 | -9.09 | — | 7.82 | 0.70% | -272.14% | -561.98% | -95.19% | -141.83% | -40.28% | 1.84 | -5.78 | 5.84 | 5.54 | 1.93 | -72778.00% | -7955.00% | -7834.00% | 3.07% | 0.37 | 37.82% | 0.00% | 0.00% | 1.29% | -7.18 | 26.91 | 19.53 | 0.29 |
| MFIN | Medallion Financial Corp. | $10.09 | 234.89M | +294% | +102% | +13% | +248% | 4.48 | 0.51 | 0.64 | 5.43 | — | 0.94 | 43.57% | 21.57% | 12.30% | 11.76% | 8.01% | 1.54% | 0.78 | 0.71 | 0.05 | 0.05 | 2.75 | -3586.00% | 1465.00% | 154.00% | 61.50% | 0.05 | 22.07% | 5.00% | 22.40% | 12.84% | 5.96 | 3.25 | 1.29 | -0.57 |
| PMTS | CPI Card Group Inc. | $12.27 | 139.67M | +403% | +101% | -89% | +128% | 16.11 | -8.83 | 0.65 | 7.20 | — | -3.37 | 35.63% | 13.07% | 4.06% | -44.59% | 22.87% | 6.07% | -8.13 | 1.84 | 2.69 | 1.57 | 3.23 | -1841.00% | 811.00% | 2323.00% | 10.83% | 0.57 | 15.90% | 0.00% | 0.00% | 4.02% | 9.08 | 16.75 | 1.19 | 3.17 |
| SUIG | SUI Group Holdings Limite… | $1.26 | 104.67M | +102,775% | -18% | +218% | +990% | 10.30 | 0.61 | 3.37 | 3.77 | — | 0.61 | 99.99% | 44.64% | 32.72% | 6.09% | 7.31% | 5.90% | 0.00 | 4978.68 | 152.05 | 151.27 | -3.78 | -19474.00% | 7007.00% | -59666.00% | 46.97% | 137.45 | 35.36% | 0.00% | 0.00% | 47.04% | 3.77 | 1.06 | 1.68 | 10.79 |
| YRD | Yiren Digital Ltd. | $3.90 | 339.04M | +497% | +321% | +549% | +1,603% | 2.61 | 0.43 | 0.71 | -0.06 | — | 0.43 | 84.79% | 28.37% | 27.25% | 17.95% | 39.36% | 13.61% | 0.00 | — | 5.61 | 4.39 | -2.27 | -2221.00% | 1859.00% | -3469.00% | 34.23% | 0.68 | 39.77% | 2.96% | 7.70% | 4.79% | -0.06 | -0.07 | -0.02 | 2.96 |
About Oportun Financial Corporation
Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.
- CEO
- Raul Vazquez
- Employees
- 2.31K
- Beta
- 1.18
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($3.04 ÷ $5.73) − 1 = -46.95% (DCF, example).