Oportun Financial Corp Net Income
| OPRT Stock | USD 5.39 0.07 1.28% |
As of the 4th of March, Oportun Financial holds the Semi Deviation of 2.91, coefficient of variation of 1856.38, and Risk Adjusted Performance of 0.0488. Compared to fundamental indicators, the technical analysis model allows you to check existing technical drivers of Oportun Financial, as well as the relationship between them.
Oportun Financial Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 7.2912 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Loss | -70.8 M | -67.3 M | |
| Net Loss | -70 M | -66.5 M | |
| Net Income | 25.2 M | 26.5 M | |
| Net Income Per Share | 0.53 | 0.57 | |
| Net Income Per E B T | 0.57 | 0.37 |
Oportun | Net Income | Build AI portfolio with Oportun Stock |
The evolution of Net Income for Oportun Financial Corp provides essential context for understanding the company's financial health trajectory. By analyzing this metric's behavior over time, investors can assess whether recent trends align with long-term patterns, and how Oportun Financial compares to historical norms and industry peers.
Latest Oportun Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Oportun Financial Corp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Oportun Financial Corp financial statement analysis. It represents the amount of money remaining after all of Oportun Financial Corp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Oportun Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Oportun Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 25.2 M | 10 Years Trend |
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Net Income |
| Timeline |
Oportun Net Income Regression Statistics
| Arithmetic Mean | (374,765) | |
| Coefficient Of Variation | (17,945) | |
| Mean Deviation | 45,857,785 | |
| Median | 8,395,000 | |
| Standard Deviation | 67,251,652 | |
| Sample Variance | 4522.8T | |
| Range | 303.3M | |
| R-Value | (0.29) | |
| Mean Square Error | 4431.9T | |
| R-Squared | 0.08 | |
| Significance | 0.27 | |
| Slope | (3,798,069) | |
| Total Sum of Squares | 72364.6T |
Oportun Net Income History
Other Fundumenentals of Oportun Financial Corp
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Oportun Financial Net Income component correlations
Oportun Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Oportun Financial is extremely important. It helps to project a fair market value of Oportun Stock properly, considering its historical fundamentals such as Net Income. Since Oportun Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Oportun Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Oportun Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Consumer Finance market expansion? Will Oportun introduce new products? Factors like these will boost the valuation of Oportun Financial. Anticipated expansion of Oportun directly elevates investor willingness to pay premium valuations. Understanding fair value requires weighing current performance against future potential. All the valuation information about Oportun Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.65) | Earnings Share 0.72 | Revenue Per Share | Quarterly Revenue Growth 0.071 | Return On Assets |
Understanding Oportun Financial Corp requires distinguishing between market price and book value, where the latter reflects Oportun's accounting equity. The concept of intrinsic value - what Oportun Financial's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. Market sentiment, economic cycles, and investor behavior can push Oportun Financial's price substantially above or below its fundamental value.
It's important to distinguish between Oportun Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Oportun Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Oportun Financial's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Oportun Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Oportun Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Oportun Financial.
| 12/04/2025 |
| 03/04/2026 |
If you would invest 0.00 in Oportun Financial on December 4, 2025 and sell it all today you would earn a total of 0.00 from holding Oportun Financial Corp or generate 0.0% return on investment in Oportun Financial over 90 days. Oportun Financial is related to or competes with Yirendai, Medallion Financial, Finance Of, Open Lending, Antalpha Platform, CPI Card, and SUI Group. The company serves customers online and over-the-phone, as well as through retail locations More
Oportun Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Oportun Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Oportun Financial Corp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 3.23 | |||
| Information Ratio | 0.0428 | |||
| Maximum Drawdown | 33.89 | |||
| Value At Risk | (5.13) | |||
| Potential Upside | 4.47 |
Oportun Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Oportun Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Oportun Financial's standard deviation. In reality, there are many statistical measures that can use Oportun Financial historical prices to predict the future Oportun Financial's volatility.| Risk Adjusted Performance | 0.0488 | |||
| Jensen Alpha | 0.1264 | |||
| Total Risk Alpha | 0.0112 | |||
| Sortino Ratio | 0.0558 | |||
| Treynor Ratio | 0.0881 |
Oportun Financial March 4, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0488 | |||
| Market Risk Adjusted Performance | 0.0981 | |||
| Mean Deviation | 2.52 | |||
| Semi Deviation | 2.91 | |||
| Downside Deviation | 3.23 | |||
| Coefficient Of Variation | 1856.38 | |||
| Standard Deviation | 4.22 | |||
| Variance | 17.78 | |||
| Information Ratio | 0.0428 | |||
| Jensen Alpha | 0.1264 | |||
| Total Risk Alpha | 0.0112 | |||
| Sortino Ratio | 0.0558 | |||
| Treynor Ratio | 0.0881 | |||
| Maximum Drawdown | 33.89 | |||
| Value At Risk | (5.13) | |||
| Potential Upside | 4.47 | |||
| Downside Variance | 10.44 | |||
| Semi Variance | 8.47 | |||
| Expected Short fall | (2.74) | |||
| Skewness | 2.97 | |||
| Kurtosis | 17.9 |
Oportun Financial Corp Backtested Returns
Currently, Oportun Financial Corp is slightly risky. Oportun Financial Corp maintains Sharpe Ratio (i.e., Efficiency) of 0.0335, which implies the firm had a 0.0335 % return per unit of risk over the last 3 months. We have found twenty-seven technical indicators for Oportun Financial Corp, which you can use to evaluate the volatility of the company. Please check Oportun Financial's Semi Deviation of 2.91, risk adjusted performance of 0.0488, and Coefficient Of Variation of 1856.38 to confirm if the risk estimate we provide is consistent with the expected return of 0.15%. Oportun Financial has a performance score of 2 on a scale of 0 to 100. The company holds a Beta of 2.46, which implies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Oportun Financial will likely underperform. Oportun Financial Corp right now holds a risk of 4.39%. Please check Oportun Financial Corp jensen alpha, potential upside, as well as the relationship between the Potential Upside and rate of daily change , to decide if Oportun Financial Corp will be following its historical price patterns.
Auto-correlation | 0.41 |
Average predictability
Oportun Financial Corp has average predictability. Overlapping area represents the amount of predictability between Oportun Financial time series from 4th of December 2025 to 18th of January 2026 and 18th of January 2026 to 4th of March 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Oportun Financial Corp price movement. The serial correlation of 0.41 indicates that just about 41.0% of current Oportun Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.41 | |
| Spearman Rank Test | 0.21 | |
| Residual Average | 0.0 | |
| Price Variance | 0.08 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Oportun Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Oportun Financial Corp reported net income of 25.2 M. This is 98.03% lower than that of the Consumer Finance sector and 98.15% lower than that of the Financials industry. The net income for all United States stocks is 95.59% higher than that of the company.
Oportun Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Oportun Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Oportun Financial could also be used in its relative valuation, which is a method of valuing Oportun Financial by comparing valuation metrics of similar companies.Oportun Financial is currently under evaluation in net income category among its peers.
Oportun Financial Current Valuation Drivers
We derive many important indicators used in calculating different scores of Oportun Financial from analyzing Oportun Financial's financial statements. These drivers represent accounts that assess Oportun Financial's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Oportun Financial's important valuation drivers and their relationship over time.
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 (projected) | ||
| Market Cap | 570.9M | 180.9M | 144.2M | 253.2M | 291.1M | 374.4M | |
| Enterprise Value | 3.0B | 3.4B | 3.3B | 159.2M | 143.3M | 136.1M |
Oportun Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Oportun Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Oportun Financial's managers, analysts, and investors.Environmental | Governance | Social |
Oportun Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Oportun Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Oportun Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Oportun Financial's value.| Shares | Acuitas Investments, Llc | 2025-09-30 | 892.4 K | Boothbay Fund Management, Llc | 2025-12-31 | 778.3 K | State Street Corp | 2025-09-30 | 719.3 K | Centerbook Partners Lp | 2025-09-30 | 700.8 K | Segall Bryant & Hamill | 2025-12-31 | 651.6 K | Two Sigma Advisers, Llc | 2025-12-31 | 642.1 K | Two Sigma Investments Llc | 2025-12-31 | 625.4 K | Glynn Capital Management, Llc | 2025-12-31 | 588.2 K | Citadel Advisors Llc | 2025-09-30 | 563.9 K | Neuberger Berman Group Llc | 2025-09-30 | 3.9 M | Blackrock Inc | 2025-09-30 | 3 M |
Oportun Fundamentals
| Return On Equity | 0.0679 | ||||
| Return On Asset | 0.0078 | ||||
| Profit Margin | 0.03 % | ||||
| Operating Margin | 0.11 % | ||||
| Current Valuation | 2.95 B | ||||
| Shares Outstanding | 44.13 M | ||||
| Shares Owned By Insiders | 6.83 % | ||||
| Shares Owned By Institutions | 85.62 % | ||||
| Number Of Shares Shorted | 1.57 M | ||||
| Price To Earning | 4.23 X | ||||
| Price To Book | 0.62 X | ||||
| Price To Sales | 0.33 X | ||||
| Revenue | 637.34 M | ||||
| Gross Profit | 690.39 M | ||||
| EBITDA | 44.08 M | ||||
| Net Income | 25.2 M | ||||
| Cash And Equivalents | 66.71 M | ||||
| Cash Per Share | 2.03 X | ||||
| Total Debt | 11.5 M | ||||
| Debt To Equity | 4.01 % | ||||
| Current Ratio | 41.01 X | ||||
| Book Value Per Share | 8.78 X | ||||
| Cash Flow From Operations | 413.4 M | ||||
| Short Ratio | 2.55 X | ||||
| Earnings Per Share | 0.72 X | ||||
| Price To Earnings To Growth | (1.04) X | ||||
| Target Price | 8.33 | ||||
| Number Of Employees | 2.31 K | ||||
| Beta | 1.12 | ||||
| Market Capitalization | 240.94 M | ||||
| Total Asset | 3.26 B | ||||
| Retained Earnings | (227.3 M) | ||||
| Net Asset | 3.26 B |
About Oportun Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Oportun Financial Corp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Oportun Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Oportun Financial Corp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for Oportun Stock Analysis
When running Oportun Financial's price analysis, check to measure Oportun Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Oportun Financial is operating at the current time. Most of Oportun Financial's value examination focuses on studying past and present price action to predict the probability of Oportun Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Oportun Financial's price. Additionally, you may evaluate how the addition of Oportun Financial to your portfolios can decrease your overall portfolio volatility.