Oportun Financial Corporation Common Stock (OPRT)

FairStock Score: 35/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for businesses that earn high returns on capital and possess durable competitive advantages. Oportun is a consumer lender offering personal loans and credit cards, a fiercely competitive field with no obvious moat and substantial funding and credit risk. The filed results show the severity of its past troubles: in FY2023 net income was -$180.0M on revenue of $25.6M, and in FY2024 net income was -$78.7M on revenue of $22.7M. By FY2025 it earned $25.2M of net income, or $0.53 per diluted share, on $19.5M of revenue. FairStock's Lynch category is TURNAROUND—returned to profit after a loss within the last three years—though revenue has shrunk. The latest filed quarters are profitable: in fiscal Q1 2026, net income was $2.3M ($0.05 per diluted share) on $4.6M of revenue; in fiscal Q2 2026, net income was $8.5M ($0.17 per diluted share) on $5.2M of revenue. Still, the balance sheet gives me pause. Debt-to-equity is 6.54, Altman Z-Score is 0.03, ROE is 4.98%, and ROCE is 0.62%. At the 2026-10-13 close of $9.17, FairStock calculations put P/B at 1.03, P/E at 22.93, and the Graham Number at $8.93, leaving a margin of safety of -2.69%. FCF yield is 93.9%, but for a lender it can be distorted by balance-sheet movements. FairStock score is 35/100. The price is not extravagant versus book value, but the quality and leverage argue for caution.

In plain English: Oportun is a financial services company that gives personal loans and credit cards to people in the United States. It lost a lot of money in recent years and has just returned to profit, but it carries a lot of debt and makes only a small return on its equity. At $9.17, the stock looks close to its accounting value and a little above a conservative value estimate, so it does not look clearly cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer