Wall Street analyst estimates for Oportun Financial Corporation (OPRT): consensus price target, buy/hold/sell recommendations and forecasts for revenue, EPS and EBITDA for the upcoming fiscal years.
This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options. Customers can access their offerings through diverse channels, including digital platforms, over the phone, or by visiting their physical retail locations.
Analyst Consensus
| Strong Buy | 0 |
| Buy | 3 |
| Hold | 5 |
| Sell | 0 |
| Strong Sell | 0 |
| Total analysts | 8 |
| Avg rating (1-5) | 0.38 |
Recent Earnings Surprises
| Date | EPS Actual | EPS Est. | vs Est. |
|---|---|---|---|
| 2026-11-03 | $0.43 | ||
| 2026-08-05 | $0.42 | $0.33 | +28.6% |
| 2026-05-07 | $0.21 | $0.21 | +0.0% |
| 2026-02-26 | $0.27 | $0.26 | +3.8% |
| 2025-11-04 | $0.39 | $0.26 | +50.0% |
| 2025-08-06 | $0.31 | $0.22 | +40.9% |
| 2025-05-08 | $0.40 | $0.09 | +344.4% |
| 2025-02-12 | $0.49 | $0.12 | +308.3% |
Valuation Ratios
| P/E Ratio | 20.88 |
| Price / Book | 1.00 |
| EV / EBITDA | 37.15 |
| Dividend Yield | 0.00% |
Income Statement (10y)
| Year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $277.5M | $361.0M | $520.5M | $502.9M | $393.4M | $578.1M | $733.7M | $460.1M | $533.4M | $637.3M |
| Cost of Revenue | $99.1M | $134.7M | $63.1M | $56.1M | $58.4M | $47.7M | $93.0M | $179.4M | $238.2M | $231.5M |
| Gross Profit | $178.4M | $226.2M | $457.4M | $446.8M | $335.1M | $530.5M | $640.7M | $280.7M | $295.2M | $405.8M |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Selling, General & Admin | $88.5M | $122.1M | $151.7M | $203.2M | $216.3M | $270.2M | $323.7M | $269.5M | $207.4M | $184.5M |
| Operating Expenses | $162.3M | $224.2M | $287.3M | $362.4M | $393.2M | $467.7M | $715.9M | $534.3M | $410.4M | $361.8M |
| Operating Income | $16.1M | $2.1M | $170.1M | $84.4M | -$58.1M | $62.8M | -$75.3M | -$253.7M | -$115.2M | $44.1M |
| EBITDA | $24.4M | $12.7M | $181.9M | $98.5M | -$37.9M | $89.9M | -$27.8M | -$198.8M | -$64.0M | $85.5M |
| Interest Expense | $28.8M | $36.4M | $46.9M | $60.5M | $58.4M | $47.7M | $93.0M | $179.4M | $238.2M | $231.5M |
| Pre-tax Income | $16.1M | $2.1M | $170.1M | $84.4M | -$58.1M | $62.8M | -$75.3M | -$253.7M | -$115.2M | $44.1M |
| Income Tax | -$34.8M | $12.3M | $46.7M | $22.8M | -$13.0M | $15.4M | $2.5M | -$73.7M | -$36.5M | $18.8M |
| Net Income | $50.9M | -$10.2M | $123.4M | $61.6M | -$45.1M | $47.4M | -$77.7M | -$180.0M | -$78.7M | $25.2M |
| EPS | $2.31 | $-0.46 | $5.60 | $0.46 | $-1.65 | $1.68 | $-2.37 | $-4.88 | $-1.95 | $0.53 |
| EPS (Diluted) | $2.20 | $-0.46 | $5.59 | $0.40 | $-1.65 | $1.56 | $-2.37 | $-4.88 | $-1.95 | $0.53 |
| Shares Outstanding (Diluted) | $23.1M | $22.1M | $22.1M | $10.8M | $27.3M | $30.3M | $32.8M | $36.9M | $40.4M | $47.9M |
Price
| Price | $7.80 |
| Market Cap | $358M |
| Exchange | NASDAQ |
| Country | US |
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Explore sector: Financial Services · Financial - Credit Services
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