Stock Ratings / Financials / OPRT / insiders

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Oportun Financial Corporation (OPRT) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$9.89 -0.90% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.86

Oportun Financial Corporation (OPRT) carries a Roarable Rating of C (Hold) with 64/100 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.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $459.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OPRT Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OPRT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Oportun Financial Corporation (NASDAQ: OPRT) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $9.89 (-0.90% 1D, market cap $459.0M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 16/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 11/20. Across 1096 tracked Financials issuers, OPRT ranks #318 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OPRT compare to BETR and OPFI in the Financials sector?

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Within the Financials sector (Finance: Consumer Services), OPRT carries a Roarable C (64/100 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 E grade (31/100 RQD, P/E N/A, ROIC -35.0%, cap $436.0M) and OPFI (OppFi Inc. (Class A)) posts a D+ grade (52/100 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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OPRT?

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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: Big institutional funds and options desks are actively positioning on the bullish side.. 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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $9.86 (-0.35%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 2123.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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 C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OPRT)Realized 20D OHLCV Swing Band: ±8.2%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY OPRT SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (25% of score)

20D Institutional Volume Accumulation (±8.2% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (20% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution11/20 pts (-9 pt drag)

Cannibal Buyback (-0.96% YoY Shares) & executive Form 4 sales trim 9 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$9.16-3.4% Next Q

Q2 (-2Q)

Grade C$8.85+5.9% Next Q

Q3 (-1Q)

Grade C$9.37+5.5% Next Q

Current

Grade C$9.89+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the OPRT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, OPRT faces multiple-compression risk if 18.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($8.43) or 200D SMA ($6.24) invalidates the momentum regime and cuts Target Base ($10.16) toward Bear Floor ($7.92).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OPRT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “OPRT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

OPRT Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (OPRT)

No recent open-market Form 4 cluster sales or emergency dumps flagged on OPRT. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (OPRT Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

OPRT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +73.51%⚡ TESTING RESISTANCE

2026-11-02O $9.77H $9.98L $9.77C $9.89VOL 730.6K

RES: $10.15SUP: $6.66SMA50: $8.43SMA200: $6.24

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 →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for OPRT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

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

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

Financials Rank #318 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 #318 by composite RQD confidence (64/100, 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. OPRT currently leads its immediate peer cohort in composite quantitative strength at 64/100 (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	64/100	18.2x	—	6.5%	-0.90%	$459.0M	Benchmark Subject
BETR Better Home & Finance Holding Company (Class A)	E	31/100	—	—	-35.0%	-9.19%	$436.0M	/betr-vs-oprt →
OPFI OppFi Inc. (Class A)	D+	52/100	19.0x	—	85.0%	-4.10%	$499.3M	/opfi-vs-oprt →
WYFI WhiteFiber Inc.	E	31/100	—	—	-5.8%	-7.75%	$508.5M	/wyfi-vs-oprt →
GEMI Gemini Space Station Inc. (Class A)	E	24/100	—	—	-35.0%	-6.82%	$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?

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

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

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

OPRT last traded at $9.89 (-0.90% on volume of 673,105 shares), positioning the stock +17.32% above its 50-day simple moving average ($8.43) and +58.49% above its 200-day simple moving average ($6.24). Across its 52-week range of $4.03 to $10.09, OPRT sits at the 96.7% percentile with a 14-day RSI of 70.8 (OVERBOUGHT (>70)) and an implied next-earnings move of ±8.2% ($9.08 to $10.70).

OPRT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are OPRT insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies OPRT leadership and institutional positioning as: BALANCED INSTITUTIONAL POSITIONING.

Direct Sub-Reports: OPRT RQD Cockpit OPRT 12M Forecast OPRT Earnings & Move OPRT Dividends & DRIP OPRT Insiders & 13F OPRT Whale Options OPRT Profit Sankey OPRT News & Why