Stock Ratings / Financials / OPRT / financials

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Oportun Financial Corporation (OPRT) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$9.98 +2.15% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Oportun Financial Corporation (OPRT) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $459.0M

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OPRT)Realized 20D OHLCV Swing Band: ±8.5%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How OPRT Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$413.4M (2123.9% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $25.6M

FY24

Rev $22.7M

FY25

Rev $19.5M

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$19.5M	52%	0%	$25.2M	$413.4M	6.5%
FY 2024	$22.7M	52%	0%	-$78.7M	$393.5M	6.5%
FY 2023	$25.6M	52%	0%	-$180.0M	$392.8M	6.5%

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Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring OPRT)

✓Walkthrough of OPRT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
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OPRT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +63.88%▲ ASCENDING CHANNEL

2026-10-30O $9.96H $9.98L $9.72C $9.98VOL 673.1K

RES: $11.62SUP: $6.64SMA50: $8.38SMA200: $6.22

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OPRT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OPRT Butterfly Map → + Track OPRT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

11.4%/yr Implied 5Y Growth

vs. -14.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on OPRT today. View full Setup Ledger →

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No direct multi-tier Butterfly edges indexed yet for OPRT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

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DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OPRT)

Financials Rank #513 of 1096 ⚔️ BETR vs OPRT Full Matrix →

1. Head-to-Head Financials Peer Comparison (OPRT vs. BETR, OPFI, WYFI, GEMI)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Oportun Financial Corporation (OPRT) ranks #513 by composite RQD confidence (60/100, grade C-) and #724 by equity capitalization ($459.0M). Within this direct 5-issuer industry benchmark cohort, OPRT leads on earnings valuation at 18.2x trailing P/E, while OPFI leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. OPFI currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with OPRT at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
OPRT ACTIVE Oportun Financial Corporation	C-	60/100	18.2x	—	6.5%	+2.15%	$459.0M	Benchmark Subject
BETR Better Home & Finance Holding Company (Class A)	D	44/100	—	—	-35.0%	+6.55%	$436.0M	/betr-vs-oprt →
OPFI OppFi Inc. (Class A)	C+	69/100	19.0x	—	85.0%	+3.90%	$499.3M	/opfi-vs-oprt →
WYFI WhiteFiber Inc.	E	34/100	—	—	-5.8%	-5.39%	$508.5M	/wyfi-vs-oprt →
GEMI Gemini Space Station Inc. (Class A)	D-	39/100	—	—	-35.0%	-1.60%	$403.6M	/gemi-vs-oprt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001538716

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Oportun Financial Corporation (OPRT) reported GAAP revenue of $19.5M (-14.1% vs. FY2024 revenue of $22.7M , and -23.9% cumulative change since FY2023) , GAAP net income of $25.2M, operating cash flow of $413.4M, and free cash flow of $413.4M (+5.1% YoY). On the balance sheet, OPRT closed FY2025 with $3.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$19.5M	$25.2M	$413.4M	$413.4M	$3.26B	—
FY2024 (FY)	2024-12-31	$22.7M	-$78.7M	$393.5M	$393.5M	$3.23B	—
FY2023 (FY)	2023-12-31	$25.6M	-$180.0M	$392.8M	$392.8M	—	—

3. OPRT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OPRT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Oportun Financial Corporation (NASDAQ: OPRT) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $9.98 (+2.15% 1D, market cap $459.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 11/20. Across 1096 tracked Financials issuers, OPRT ranks #513 in composite RQD confidence.

How does OPRT compare to BETR and OPFI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), OPRT carries a Roarable C- (60/100 RQD), trailing P/E of 18.2x, gross margin of —, and ROIC of 6.5%. By comparison, BETR (Better Home & Finance Holding Company (Class A)) holds a D grade (44/100 RQD, P/E N/A, ROIC -35.0%, cap $436.0M) and OPFI (OppFi Inc. (Class A)) posts a C+ grade (69/100 RQD, P/E 19.0x, ROIC 85.0%, cap $499.3M). Among the 5-stock peer group, OPRT leads on earnings multiple (18.2x) while OPFI leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OPRT?

Per OPRT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001538716), Oportun Financial Corporation generated $19.5M in revenue (-14.1% YoY), $25.2M in net income, and $413.4M in free cash flow against $3.26B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OPRT trading relative to its 50-day, 200-day, and 52-week technical levels?

OPRT last traded at $9.98 (+2.15% on volume of 730,609 shares), positioning the stock +19.09% above its 50-day simple moving average ($8.38) and +60.45% above its 200-day simple moving average ($6.22). Across its 52-week range of $4.03 to $10.09, OPRT sits at the 98.2% percentile with a 14-day RSI of 69.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.5% ($9.13 to $10.83).