OPRTFinancial Services · Credit ServicesThe 4 Wall Street analysts covering Oportun Financial Corp. hold a median 12-month price target of $12 — -8.0% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 95 of 100 as at 3 Nov 2026 — among the strongest tenth. The factors read stronger than the Street's target implies. That gap is the story on this page.
Consensus tells you what everyone already believes. The model scores Oportun Financial Corp. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.
Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested
Revisions (95): Analysts have, on balance, been raising their forecasts.
Volatility (33): The share price moves around a lot.
Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.
The bullish and bearish analyst opinions on OPRT, reported as data — targets and ratings, the market's view beside the model's.
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
Data provided by Twelve Data
The green dot is the last close — the median target sits −8.0% from it.
Of the 20 most recent actions, 2 moved their price target up and 1 moved it down.
| Date | Firm | Action | Rating | Target |
|---|---|---|---|---|
| 7 Oct 2026 | Jefferies | Maintains | Hold | $6.00 → $9.00 |
| 6 Aug 2026 | Stephens & Co. | Maintains | Overweight | — |
| 6 Aug 2026 | Stephens & Co. | Maintains | Overweight | $7.00 → $8.00 |
| 9 Apr 2026 | JP Morgan | Maintains | Neutral | $6.00 → $5.00 |
| 9 Apr 2026 | JP Morgan | Maintains | Neutral | — |
| 27 Feb 2026 | BTIG | Reiterates | Buy | — |
| 12 Jan 2026 | JP Morgan | Upgrade | Neutral | — |
| 4 Dec 2025 | JP Morgan | Maintains | Underweight | — |
| 7 Oct 2025 | JP Morgan | Downgrade | Underweight | — |
| 11 July 2025 | JP Morgan | Maintains | Neutral | — |
| 8 Apr 2025 | JP Morgan | Maintains | Neutral | — |
| 14 Feb 2025 | JMP Securities | Reiterates | Market Perform | — |
| 12 Aug 2024 | JMP Securities | Reiterates | Market Perform | — |
| 13 May 2024 | JMP Securities | Reiterates | Market Perform | — |
| 24 Apr 2024 | B. Riley Securities | Maintains | Buy | — |
| 15 Mar 2024 | JMP Securities | Downgrade | Market Perform | — |
| 14 Mar 2024 | Jefferies | Downgrade | Hold | — |
| 14 Mar 2024 | Keefe, Bruyette & Woods | Maintains | Market Perform | — |
| 13 Mar 2024 | JMP Securities | Reiterates | Market Outperform | — |
| 28 Nov 2023 | JMP Securities | Reiterates | Market Outperform | — |
Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.
OPRT appears in the Radar on the weeks it earns a place.
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Both lines are total return — dividends reinvested — so the comparison is honest on both sides.
Over the twelve months to 4 Nov 2026, Oportun Financial Corp. returned +154.2% against +14.8% for the S&P 500, dividends included.
Download this chart as an image — free to reuse; link this page as the source.
Data provided by Twelve Data
Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.
A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.
Cheaper than 30% of US stocks
Cheaper than 77% of US stocks
Cheaper than 66% of US stocks
Higher than 51% of US stocks
Higher than 63% of US stocks
Higher than 67% of US stocks
Higher than 54% of US stocks
Higher than 53% of US stocks
Higher than 47% of US stocks
Higher than 1% of US dividend payers
Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.
The headline figures, each with its date. Every row carries its own link — cite it straight from here.
Oportun Financial Corp. has a market value of $462.6M and an enterprise value of $3.0B.
Revenue in the twelve months to 30 June 2026: $396.0M. The latest quarter grew 9.4% year on year.
Net income over the same four quarters: $19.5M, a 4.9% net margin.
Diluted earnings per share, trailing twelve months: $0.40.
Free cash flow in the twelve months to 30 June 2026: $395.9M, after $25.1M of capital spending.
Trailing P/E: 25.2×; forward P/E: 5.2× — the forward figure prices analyst consensus estimates, not reported earnings.
Forward dividend yield: 0.00%, paying out 0% of earnings.
Oportun Financial Corp. employs 2,405 people — $165K of revenue per employee.
Data provided by Twelve Data
The nearest names by industry and size, scored by the same model — like for like.
Look up any of the roughly 4,600 stocks we score.
The rank is the raw material. Whether the rules would actually own Oportun Financial Corp. — and when they’d sell — is the membership. See the Ticker Nerd 20 →
Oportun Financial reported third-quarter 2026 results, returning to year-over-year revenue growth. Lower funding costs, improving credit performance and higher profitability supported an increased full-year outlook.
Why it matters — OPRT watchers may note the reported improvements in revenue growth, credit performance and profitability, along with the higher outlook.
Oportun Financial reported quarterly earnings of $0.51 per share, exceeding the Zacks Consensus Estimate of $0.45. Earnings were $0.39 per share in the same period a year earlier.
Why it matters — The results provide OPRT watchers with an earnings comparison against analyst estimates and the prior-year quarter.
Seeking Alpha published a transcript of Oportun Financial Corporation’s Q3 2026 earnings call. The excerpt provides no details about the discussion or results.
Why it matters — The transcript may be relevant to OPRT watchers, but the excerpt does not disclose any specific company updates.
Oportun reported third-quarter revenue growth of 3% year over year, its first growth since the fourth quarter of 2023, and raised its full-year outlook. It also reported GAAP net income of $23 million, annualized net charge-offs of 10.6%, and 38% year-over-year growth in adjusted net income.
Why it matters — The results show a return to revenue growth alongside improved reported earnings and a higher full-year outlook, key indicators for OPRT watchers.
Seeking Alpha describes Oportun Financial as trading at a deeply discounted valuation while generating robust free cash flow and consistent profits. The article notes its exposure to subprime, low-income borrowers and says 2026 guidance points to modest revenue growth, improving net charge-offs, and rising adjusted EPS.
Why it matters — OPRT watchers may weigh the company’s reported cash flow and outlook against borrower credit risks in a high-interest-rate environment.
The 4 Wall Street analysts covering Oportun Financial Corp. have a median 12-month price target of $12, with estimates ranging from $9 to $13. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.
Of the 4 analysts covering Oportun Financial Corp., 2 rate it a Buy, 2 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks Oportun Financial Corp. 95 out of 100 across roughly 4,600 US stocks as at 3 Nov 2026. None of this is personal advice — it does not consider your circumstances.
As at 3 Nov 2026, Oportun Financial Corp. ranks 95 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Revisions (95 of 100).
No one can know that. What the data says: the median 12-month target from 4 analysts implies -8.0% from the last close, and Ticker Nerd's factor model ranks Oportun Financial Corp. 95 out of 100 as at 3 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.
No analyst covering Oportun Financial Corp. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for OPRT are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $9 to $13 over the next 12 months.
Oportun Financial Corp. returned +154.2% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.
Oportun Financial Corporation is a financial services company that provides consumer-focused lending and savings products designed to support everyday financial needs. Oportun Financial Corporation offers personal loans, secured personal loans, credit cards, and savings solutions, along with digital tools for borrowing, budgeting, and money management.
The most recent item we track (MarketBeat, 4 Nov 2026): "What Oportun Financial (OPRT) Said on Its Q3 Earnings Call". Oportun Financial reported third-quarter 2026 results, returning to year-over-year revenue growth. Lower funding costs, improving credit performance and higher profitability supported an increased full-year outlook.
Oportun Financial Corporation is a financial services company that provides consumer-focused lending and savings products designed to support everyday financial needs. Oportun Financial Corporation offers personal loans, secured personal loans, credit cards, and savings solutions, along with digital tools for borrowing, budgeting, and money management. Its services are delivered through online channels, phone support, retail partners, and other lending partnerships, giving the company a broad reach across the U.S. consumer finance market. The company serves customers who may have limited credit history or are seeking more accessible financial products, positioning it as a specialist in inclusive lending and basic banking services. Headquartered in San Mateo, California, Oportun Financial Corporation focuses on helping members access responsible credit and practical financial tools that fit a range of day-to-day needs.
CEO Mr. Douglas Bland · 2,405 employees · United States · https://oportun.com
