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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Oportun Financial Corporation (OPRT) surged +2.15% to $9.98, trading at 98% of its 52-week range ($4.03 – $10.09). Solid steady margins (7% return on capital), mixed timing at 18x P/E—hold if owned, no rush to chase.
Acadian Asset Management (AAMI) delivered earnings and revenue surprises of +11.48% and -2.38%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
SAN CARLOS, Calif., Oct. 20, 2026 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, will release financial results for its third quarter 2026 on Tuesday, November 3, 2026, after mar
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -14.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on OPRT today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for OPRT. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why OPRT Stock surged +2.15% Today — RQD Quant Desk Flash. Solid steady margins (7% return on capital), mixed timing at 18x P/E—hold if owned, no rush to chase.