profit from every $100 of sales.
$0$100
Oportun Financial
$11.76-0.34% today
+143.0% in 1 year
1-year low $4.131-year high $13.01
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $21.46 for every $1 of profit it makes in a year.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Oportun Financial sold, what it kept, and what it did with the cash.
Sales went from $641 million in 2022 to $406 million in 2025, with $25.2 million of profit last year.
SalesProfit
Oportun Financial vs. similar companies
Oportun Financial grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Oportun Financial | 21.5× · Fair price | ||
 Sunbelt Rentals Holdings | 22.1× · Fair price | ||
 Global Payments | 16.7× · Fair price | ||
 Synchrony Financial | 6.3× · Cheap | ||
 SoFi Technologies | 42.1× · Expensive |
AI analysis
An AI analyst reads Oportun Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 641 | 281 | 295 | 406 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| -78 | -180 | -79 | 25 | |
| -2.37 | -4.88 | -1.95 | 0.53 | |
| – | – | – | – | |
| – | – | – | – | |
| -12.1% | -64.1% | -26.7% | 6.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,614 | 3,412 | 3,227 | 3,258 |
| Cash | 99 | 91 | 60 | 106 |
| Total debt | 2,966 | 2,939 | 2,822 | 2,811 |
| Total liabilities | 3,066 | 3,007 | 2,873 | 2,868 |
| 548 | 404 | 354 | 390 | |
| 33 | 37 | 41 | 48 | |
| – | – | – | – | |
| -14.2% | -44.5% | -22.2% | 6.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 248 | 393 | 394 | 413 | |
| 49 | 31 | 19 | 24 | |
| 199 | 362 | 374 | 389 | |
| Dividends paid | – | – | – | – |
| – | – | – | – | |
| 28 | 19 | 13 | 11 |
Valuation
- 21.5×
- 7.7×
- –
- 0.7×
- 1.3×
- 1.4×
- –
- 71.8%
- 4.7%
- 0.0%
Profitability
- 64.0%
- 5.6%
- 6.2%
- 12.0%
- 0.6%
- -1.4%
- 4.6%
- 0.6%
- 1.1%
- –
Growth
- −14.1%
- –
- +3.9%
- –
- +14.1%
Financial health
- 34.0×
- 6.87
- 85.9%
- 0.2×
- 47.29
- 47.29
- 0.19
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 19%of 827
Bottom 19%of 709
Bottom 25%of 876
Bottom 8%of 879
Top 1%of 926
What analysts expect
- Average price target
- $10.88
- Range
- $3.50 – $24.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 7, 2026 | 0.21 | 0.21 | +0.0% |
| Feb 26, 2026 | 0.27 | 0.26 | +3.8% |
| Nov 4, 2025 | 0.39 | 0.26 | +50.0% |
| Aug 6, 2025 | 0.31 | 0.22 | +40.9% |
| May 8, 2025 | 0.40 | 0.09 | +344.4% |
| Feb 12, 2025 | 0.49 | 0.12 | +308.3% |
| Nov 12, 2024 | 0.02 | 0.04 | −50.0% |
| Aug 8, 2024 | 0.08 | -0.18 | +144.4% |
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
31No pass
Benjamin Graham
55No pass
Philip Fisher
37No pass
Peter Lynch
13No pass
Joel Greenblatt
10No pass
Charlie Munger
23No pass
Terry Smith
29No pass
Questions about Oportun Financial
Is Oportun Financial a good stock to buy?
A business with weak numbers at a fair price. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Oportun Financial AI analysis
What does Oportun Financial do?
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 is in Financial - Credit Services.
Does Oportun Financial pay a dividend?
No. Oportun Financial does not pay a dividend at the moment.
Is Oportun Financial stock halal?
No. Oportun Financial does not pass our halal screen: its main business, lending at interest, is not permitted. How we check
How has Oportun Financial stock done over the past year?
Up 143.0% over the past twelve months, to $11.76. It traded between $4.13 and $13.01 and is 9.6% below its high.
Who are Oportun Financial's competitors?
The largest listed companies in the same industry are Sunbelt Rentals Holdings, Global Payments, Synchrony Financial and SoFi Technologies. The peers table on this page compares their profit, growth and price with Oportun Financial's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.