Oportun Financial Corporation Common Stock (OPRT)

FairStock Score: 35/100 — MIXED

Key Financials

Concerns

• High leverage at 7.21x debt-to-equity increases financial risk and interest expense burden
• Revenue declining at 3.2% year-over-year signals potential demand weakness or market share loss
• Weak Piotroski F-Score of 3/9 suggests deteriorating financial quality across multiple dimensions
• Altman Z-Score of -0.0 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Oportun Financial Corporation Common Stock is a micro-cap financial services company valued at $252 million. The business generates $725 million in annual revenue with a 0.5% net margin. From a quality standpoint, Oportun shows weak Piotroski F-Score of 3/9 signaling deteriorating fundamentals and distressed Altman Z-Score of -0.0 warrants caution. On valuation, the stock is attractively valued at 10.8x earnings, with offers a 45% margin of safety vs Graham Number of $10. Growth dynamics show revenue growing at -3.2% and profit growth of -61.0%. Our composite FairStock Score of 35/100 reflects below-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

Improving fundamentals and sector tailwinds could drive meaningful earnings growth, compressing the effective multiple for patient investors. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Elevated leverage at 7.2x D/E means rising interest rates or revenue weakness could strain debt covenants and force asset sales at distressed prices. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer