Oportun Financial Corporation (OPRT)

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Oportun Financial Corporation (OPRT) is down 4.4% since the beginning of the year. At $5 per share, OPRT is trading 36.5% 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 $252.

Oportun Financial Corporation (OPRT) has returned -4.35% so far this year and -19.55% over the past 12 months.

Based on dividend-adjusted daily data since Sep 26, 2019, OPRT's average daily return is +0.05%, while the average monthly return is +0.90%. At this rate, an investment would double in approximately 6.4 years.

Historically, 48% of months were positive and 52% 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%.

Oportun Financial Corporation has an annualized alpha of -8.52%, beta of 1.39, and R2 of 0.13 versus S&P 500 Index. Calculated based on daily prices since September 27, 2019.

• This stock participated in 169.20% of S&P 500 Index downside but only 58.87% 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.

OPRT ranks 27 for risk / return — below 27% 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.

The table below present risk-adjusted performance metrics for Oportun Financial Corporation (OPRT) and compare them to S&P 500 Index.

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.

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 81.76%.

The chart below shows the rolling one-month volatility.

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.

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.