Oportun Financial

OPRT · NASDAQ

$9.15+$0.30 (+3.39%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $8.85

OPRT analyst rating

BuyConsensus of 4 analysts over the last 12 months. 50% rate it a buy.

Strong buy0
Buy2
Hold2
Underperform0
Sell0

12-month price target · 7 analysts

Average $9.94 (+8.7% upside)

Low: $6.06
Now: $9.15
High: $13.65

Upgrades and downgrades

The latest rating actions, newest first

OPRT analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Jefferies	Oct 7, 2026	Maintains	Hold	$6.00 → $9.00	49%
Stephens & Co.	Aug 6, 2026	Maintains	Overweight	$7.00 → $8.00	59%
JP Morgan	Apr 9, 2026	Maintains	Neutral	$6.00 → $5.00	56%
BTIG	Feb 27, 2026	Maintains	Buy	$9.00	49%
JP Morgan	Jan 12, 2026	Upgrade	Underweight → Neutral	$5.50	56%
JP Morgan	Dec 4, 2025	Maintains	Underweight	$6.00 → $5.50	56%

The case for and against

Updated Nov 27, 2024

Bull case

Oportun Financial Corp is positioned for substantial growth due to its expansion into new asset classes, such as auto loans and credit cards, as well as its entry into additional states, capitalizing on the fact that approximately 30% of American households are unbanked or underbanked. The company has demonstrated a commitment to improving credit quality trends, with management expressing optimism regarding a potential reduction in net charge-off (NCO) rates in the latter half of 2024 as prior delinquencies mitigate. Furthermore, Oportun is implementing significant cost savings initiatives, aiming to streamline its product offerings and lower GAAP operating expenses, enhancing financial efficiency amidst challenges in revenue growth.

Bear case

Oportun Financial's stock outlook is negatively impacted by an earnings miss and disappointing 2024 guidance, particularly due to a slowdown in loan growth as the company tightens underwriting standards. The company's net revenue also fell short of estimates, with a significant reduction in EBITDA guidance, missing street expectations by approximately 40%. Furthermore, the anticipated structural changes in the loan portfolio's credit quality signal potential ongoing challenges that could hinder future financial performance.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.