Stocktoria
Oportun Financial Corp OPRT
Oportun Financial Corp (OPRT) earns a Piotroski F-score of 4/9 (mixed financial health). It does not currently pay a dividend. FY2025 revenue was $956.7M at a 2.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| OPRT | Oportun Financial Corp | 4/9 | — | 10.4 | -4.5% |
| MARA | MARA Holdings, Inc. | 2/9 | -0.64 | — | +38.2% |
| JFIN | Jiayin Group Inc. | 3/9 | 6.18 | — | +12% |
| UPST | Upstart Holdings, Inc. | 3/9 | — | 57.6 | +64% |
| XYF | X Financial | 5/9 | — | — | +35.8% |
| CLSK | CLEANSPARK, INC. | 4/9 | 4.88 | 11.5 | +102.2% |
| PWP | Perella Weinberg Partners | 3/9 | — | 44.3 | -14.5% |
All Finance, Insurance & Real Estate companies →
About Oportun Financial Corp
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.
FAQ
Is OPRT financially healthy?
Oportun Financial Corp's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does OPRT pay a dividend?
No, Oportun Financial Corp does not currently pay a dividend.
How profitable is OPRT?
In FY2025, Oportun Financial Corp had a net margin of 2.6% and a return on equity of 6.5%.
What is OPRT's P/E ratio?
Oportun Financial Corp's trailing price-to-earnings (P/E) ratio is about 10.4×, based on its latest annual earnings.
What is the analyst price target for OPRT?
The average Wall-Street price target for Oportun Financial Corp is $8.50, about 13.0% above the recent price, from 5 analysts (consensus: buy).
Is OPRT a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Oportun Financial Corp: a Piotroski F-score of 4/9, a P/E of about 10.4×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.