- ISIN
- US68376D1046
- CUSIP
- 68376D104
- Sector
- Financial Services
- Industry
- Credit Services
- IPO Date
- Sep 26, 2019
Highlights
- Market Cap
- $269.17M
- Enterprise Value
- $161.57M
- EPS (TTM)
- $0.37
- PE Ratio
- 15.06
- PEG Ratio
- 0.24
- Total Revenue (TTM)
- $702.91M
- Gross Profit (TTM)
- $300.01M
- EBITDA (TTM)
- $61.26M
- Year Range
- $4.03 - $7.97
- Target Price
- $10.88
- ROA (TTM)
- 0.56%
- ROE (TTM)
- 4.49%
Share Price Chart
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Performance
OPRT Performance Chart
Oportun Financial Corporation (OPRT) is up 4.9% since the beginning of the year. At $6 per share, OPRT is trading 30.3% below its 52-week high of $8. Investors who bought $1,000 worth of OPRT shares 5 years ago would now be looking at an investment worth $266.
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Returns By Period
Oportun Financial Corporation (OPRT) has returned 4.91% so far this year and -18.62% over the past 12 months.
Oportun Financial Corporation
- 1D
- 2.78%
- 1M
- 1.83%
- YTD
- 4.91%
- 6M
- 1.46%
- 1Y
- -18.62%
- 3Y*
- 0.12%
- 5Y*
- -23.24%
- 10Y*
- —
Benchmark (S&P 500 Index)
- 1D
- -1.44%
- 1M
- -1.45%
- YTD
- 7.60%
- 6M
- 6.59%
- 1Y
- 22.24%
- 3Y*
- 19.20%
- 5Y*
- 11.54%
- 10Y*
- 13.71%
OPRT Monthly Returns History
Based on dividend-adjusted daily data since Sep 26, 2019, OPRT's average daily return is +0.06%, while the average monthly return is +1.04%. At this rate, an investment would double in approximately 5.6 years.
Historically, 49% of months were positive and 51% were negative. The best month was Feb 2025 with a return of +53.5%, while the worst month was Nov 2023 at -55.6%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 10 months.
On a daily basis, OPRT closed higher 48% of trading days. The best single day was Apr 23, 2024 with a return of +40.0%, while the worst single day was Nov 7, 2023 at -49.0%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 2.46% | -4.43% | -11.00% | 32.10% | -11.00% | 2.40% | 4.91% | ||||||
| 2025 | 18.56% | 53.48% | -22.24% | -6.74% | 29.88% | 7.67% | -14.39% | 7.83% | -6.66% | -13.61% | -3.00% | 2.32% | 36.34% |
| 2024 | -5.88% | 5.16% | -37.21% | 30.45% | 6.62% | -14.20% | 5.86% | -3.26% | -5.39% | -1.07% | 43.17% | -2.51% | -0.77% |
| 2023 | 27.22% | -13.84% | -36.09% | 5.44% | 40.79% | 4.19% | 3.02% | 13.82% | 3.14% | -18.98% | -55.56% | 50.38% | -29.04% |
| 2022 | -11.06% | -9.27% | -12.12% | -19.29% | -2.85% | -26.55% | 11.00% | -44.34% | -14.48% | 25.86% | 0.73% | -0.54% | -72.79% |
| 2021 | -17.35% | 1.94% | 26.90% | 4.83% | -12.11% | 4.98% | 5.24% | 19.78% | -0.87% | -7.19% | -7.58% | -5.68% | 4.54% |
Benchmark Metrics
Oportun Financial Corporation has an annualized alpha of -5.93%, beta of 1.38, and R2 of 0.13 versus S&P 500 Index. Calculated based on daily prices since September 26, 2019.
- This stock participated in 164.85% of S&P 500 Index downside but only 62.41% of its upside - more exposed to losses than it benefited from rallies.
- R2 of 0.13 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- -5.93%
- Beta
- 1.38
- R²
- 0.13
- Upside Capture
- 62.41%
- Downside Capture
- 164.85%
Return for Risk
Risk / Return Rank
OPRT ranks 29 for risk / return — below 29% of stocks on our site. The returns aren't fully compensating for the risk involved. This isn't necessarily a dealbreaker, but factor it into your decision — especially if you're risk-averse.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for Oportun Financial Corporation (OPRT) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| OPRT | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -2.11 | ||
| Sortino ratioReturn per unit of downside risk | -2.56 | ||
| Omega ratioGain probability vs. loss probability | 0.99 | 1.32 | -0.34 |
| Calmar ratioReturn relative to maximum drawdown | -0.40 | 2.46 | -2.86 |
| Martin ratioReturn relative to average drawdown | -0.65 | 10.92 | -11.56 |
Dividends
Dividend History
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the Oportun Financial Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the Oportun Financial Corporation was 92.32%, occurring on Apr 17, 2024. The portfolio has not yet recovered.
The current Oportun Financial Corporation drawdown is 79.99%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
2024 bear market2024 | -92.32%Apr 2024 | 2y 5mo | — | 4y 7moNov 2021 - now |
COVID crash2020 | -78.67%Apr 2020 | 3mo 29d | 1y 3mo | 1y 7moDec 2019 - Aug 2021 |
2021 correction2021 | -14.22%Oct 2021 | 20d | 11d | 1mo 1dOct 2021 - Nov 2021 |
2019 correction2019 | -11.32%Oct 2019 | 3d | 21d | 24dSep 2019 - Oct 2019 |
2019 correction2019 | -10.00%Nov 2019 | 1d | 8d | 9dNov 2019 - Nov 2019 |
Drawdown Indicators
| OPRT | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -92.32% | -56.78% | -35.54% |
Max Drawdown (1Y)Largest decline over 1 year | -46.29% | -9.10% | -37.19% |
Max Drawdown (3Y)Largest decline over 3 years | -72.01% | -18.90% | -53.11% |
Max Drawdown (5Y)Largest decline over 5 years | -92.32% | -25.43% | -66.89% |
Max Drawdown (10Y)Largest decline over 10 years | — | -33.92% | — |
Current DrawdownCurrent decline from peak | -79.99% | -3.21% | -76.78% |
Average DrawdownAverage peak-to-trough decline | -60.53% | -10.71% | -49.82% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 28.86% | 2.04% | +26.82% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of Oportun Financial Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how Oportun Financial Corporation is priced in the market compared to other companies in the Credit Services industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for OPRT, comparing it with other companies in the Credit Services industry. Currently, OPRT has a P/E ratio of 15.1. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for OPRT compared to other companies in the Credit Services industry. OPRT currently has a PEG ratio of 0.2. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for OPRT relative to other companies in the Credit Services industry. Currently, OPRT has a P/S ratio of 0.4. This P/S ratio is low compared to the industry average. It may indicate that the stock is undervalued relative to its revenue, or that the market expects slower growth or lower margins.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for OPRT in comparison with other companies in the Credit Services industry. Currently, OPRT has a P/B value of 0.7. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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