Is Oportun Financial Stock a Good Investment?
Oportun Financial Investment Advice | OPRT |
- Examine Oportun Financial's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Oportun Financial's leadership team and their track record. Good management can help Oportun Financial navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Consumer Finance space and any emerging trends that could impact Oportun Financial's business and its evolving consumer preferences.
- Compare Oportun Financial's performance and market position to its competitors. Analyze how Oportun Financial is positioned in terms of product offerings, innovation, and market share.
- Check if Oportun Financial pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Oportun Financial's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Oportun Financial Corp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Oportun Financial Corp is a good investment.
Sell | Buy |
Cautious Hold
Market Performance | Good | Details | |
Volatility | Relatively risky | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Undervalued | Details | |
Odds Of Distress | Above Average | Details | |
Economic Sensitivity | Slowly supersedes the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Oportun Financial Stock
Researching Oportun Financial's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 80.0% of the company shares are owned by institutional investors. The company has price-to-book ratio of 0.43. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. Oportun Financial Corp recorded a loss per share of 3.11. The entity had not issued any dividends in recent years.
To determine if Oportun Financial is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Oportun Financial's research are outlined below:
| Oportun Financial appears to be risky and price may revert if volatility continues | |
| Oportun Financial has high likelihood to experience some financial distress in the next 2 years | |
| The company reported the previous year's revenue of 1.06 B. Net Loss for the year was (179.95 M) with profit before overhead, payroll, taxes, and interest of 783.73 M. | |
| Over 80.0% of the company shares are owned by institutional investors |
Oportun Financial uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Oportun Financial Corp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Oportun Financial's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 11th of March 2024 Upcoming Quarterly Report | View | |
| 13th of May 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 11th of March 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Oportun Financial's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Oportun Financial's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2024-11-12 | 2024-09-30 | 0.04 | 0.02 | -0.02 | 50 | ||
2022-08-08 | 2022-06-30 | 0.09 | 0.11 | 0.02 | 22 | ||
2023-03-13 | 2022-12-31 | 0.23 | 0.14 | -0.09 | 39 | ||
2022-02-24 | 2021-12-31 | 0.72 | 0.82 | 0.1 | 13 | ||
2024-03-14 | 2023-12-31 | -0.37 | -0.53 | -0.16 | 43 | ||
2019-11-12 | 2019-09-30 | 0.45 | 0.64 | 0.19 | 42 | ||
2023-08-08 | 2023-06-30 | -0.14 | 0.06 | 0.2 | 142 | ||
2020-11-10 | 2020-09-30 | -0.06 | 0.15 | 0.21 | 350 |
Oportun Financial Target Price Consensus
Oportun target price is determined by taking all analyst projections and averaging them out. There is no one specific way to measure analysts' performance other than comparing it to past results via a very sophisticated attribution analysis. Oportun Financial's target price projections below should be used in combination with other traditional price prediction techniques such as stock price forecasting, investor sentiment analysis, technical analysis, earnings estimate, and various momentum models.
| 4 | Buy |
Most Oportun analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to help potential investors understand Oportun stock's fair price compared to its market value. Analysts arrive at stock ratings after researching the public financial statements of Oportun Financial Corp, talking to its executives and customers, or listening to those companies' conference calls.
Macroaxis Advice Exposure ValuationOportun Financial Target Price Projection
Oportun Financial's current and average target prices are 3.71 and 6.33, respectively. The current price of Oportun Financial is the price at which Oportun Financial Corp is currently trading. On the other hand, Oportun Financial's target price is what analysts think the stock is worth or could sell for in the future. The more significant the discrepancy between the two prices, the more it stimulates investors to act.Current Price
Oportun Financial Market Quote on 22nd of January 2025
Target Price
Analyst Consensus On Oportun Financial Target Price
Oportun Financial Analyst Ratings
Oportun Financial's analyst stock recommendations are determined by taking an average estimate of all analysts we track and classifying them as Strong Buy, Buy, Hold, Strong Sell, or Sell. Ratings generally communicate what analysts sense about Oportun Financial stock, and they use a lot of effort and time to analyze it and arrive at a rating. That suggests that analyst recommendations are the outcome of an objective and thorough examination of Oportun Financial's financials, market performance, and future outlook by experienced professionals. Oportun Financial's historical ratings below, therefore, can serve as a valuable tool for investors.Know Oportun Financial's Top Institutional Investors
Have you ever been surprised when a price of an equity instrument such as Oportun Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Oportun Financial Corp backward and forwards among themselves. Oportun Financial's institutional investor refers to the entity that pools money to purchase Oportun Financial's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
| Shares | Glynn Capital Management, Llc | 2024-09-30 | 588.2 K | Summa Corp | 2024-09-30 | 563.8 K | Dimensional Fund Advisors, Inc. | 2024-09-30 | 543.3 K | Two Sigma Advisers, Llc | 2024-09-30 | 455.1 K | Renaissance Technologies Corp | 2024-09-30 | 346.7 K | Kennedy Capital Management Inc | 2024-09-30 | 345.8 K | Geode Capital Management, Llc | 2024-09-30 | 311.4 K | Marshall Wace Asset Management Ltd | 2024-09-30 | 290.1 K | Two Sigma Investments Llc | 2024-09-30 | 282.4 K | Neuberger Berman Group Llc | 2024-06-30 | 3.8 M | Findell Capital Management Llc | 2024-09-30 | 3.5 M |
Oportun Financial's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 141.39 M.Market Cap |
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Oportun Financial's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | (0.06) | (0.06) | |
| Return On Capital Employed | (0.08) | (0.07) | |
| Return On Assets | (0.06) | (0.06) | |
| Return On Equity | (0.51) | (0.49) |
Determining Oportun Financial's profitability involves analyzing its financial statements and using various financial metrics to determine if Oportun Financial is a good buy. For example, gross profit margin measures Oportun Financial's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Oportun Financial's profitability and make more informed investment decisions.
Please note, the imprecision that can be found in Oportun Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Oportun Financial Corp. Check Oportun Financial's Beneish M Score to see the likelihood of Oportun Financial's management manipulating its earnings.
Evaluate Oportun Financial's management efficiency
Oportun Financial Corp has return on total asset (ROA) of (0.0358) % which means that it has lost $0.0358 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.2964) %, meaning that it created substantial loss on money invested by shareholders. Oportun Financial's management efficiency ratios could be used to measure how well Oportun Financial manages its routine affairs as well as how well it operates its assets and liabilities. Return On Tangible Assets is likely to gain to -0.06 in 2025. Return On Capital Employed is likely to gain to -0.07 in 2025. At this time, Oportun Financial's Total Current Liabilities is comparatively stable compared to the past year. Non Current Liabilities Total is likely to gain to about 3.6 B in 2025, whereas Liabilities And Stockholders Equity is likely to drop slightly above 2.4 B in 2025.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 9.87 | 15.42 | |
| Tangible Book Value Per Share | 7.07 | 9.82 | |
| Enterprise Value Over EBITDA | (17.31) | (16.44) | |
| Price Book Value Ratio | 0.41 | 0.39 | |
| Enterprise Value Multiple | (17.31) | (16.44) | |
| Price Fair Value | 0.41 | 0.39 | |
| Enterprise Value | 2.7 B | 1.6 B |
The strategic initiatives led by Oportun Financial's management are central to its market success. By analyzing these initiatives, we provide a clear picture of the stock's growth prospects.
Beta 1.105 |
Basic technical analysis of Oportun Stock
As of the 22nd of January, Oportun Financial holds the Risk Adjusted Performance of 0.1662, semi deviation of 2.73, and Coefficient Of Variation of 532.89. 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's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Oportun Financial insiders, such as employees or executives, is commonly permitted as long as it does not rely on Oportun Financial's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Oportun Financial insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Oportun Financial's Outstanding Corporate Bonds
Oportun Financial issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Oportun Financial Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Oportun bonds can be classified according to their maturity, which is the date when Oportun Financial Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| Dana 575 percent Corp BondUS235822AB96 | View | |
| US683715AD87 Corp BondUS683715AD87 | View | |
| OTEXCN 69 01 DEC 27 Corp BondUS683715AF36 | View | |
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| MPLX LP 4125 Corp BondUS55336VAK61 | View | |
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley 3591 Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View |
Understand Oportun Financial's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Oportun Financial's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1662 | |||
| Market Risk Adjusted Performance | 1.74 | |||
| Mean Deviation | 2.98 | |||
| Semi Deviation | 2.73 | |||
| Downside Deviation | 3.32 | |||
| Coefficient Of Variation | 532.89 | |||
| Standard Deviation | 3.88 | |||
| Variance | 15.08 | |||
| Information Ratio | 0.1783 | |||
| Jensen Alpha | 0.7076 | |||
| Total Risk Alpha | 0.5968 | |||
| Sortino Ratio | 0.2083 | |||
| Treynor Ratio | 1.73 | |||
| Maximum Drawdown | 17.26 | |||
| Value At Risk | (5.24) | |||
| Potential Upside | 8.78 | |||
| Downside Variance | 11.04 | |||
| Semi Variance | 7.47 | |||
| Expected Short fall | (3.48) | |||
| Skewness | 0.5318 | |||
| Kurtosis | 0.1214 |
| Risk Adjusted Performance | 0.1662 | |||
| Market Risk Adjusted Performance | 1.74 | |||
| Mean Deviation | 2.98 | |||
| Semi Deviation | 2.73 | |||
| Downside Deviation | 3.32 | |||
| Coefficient Of Variation | 532.89 | |||
| Standard Deviation | 3.88 | |||
| Variance | 15.08 | |||
| Information Ratio | 0.1783 | |||
| Jensen Alpha | 0.7076 | |||
| Total Risk Alpha | 0.5968 | |||
| Sortino Ratio | 0.2083 | |||
| Treynor Ratio | 1.73 | |||
| Maximum Drawdown | 17.26 | |||
| Value At Risk | (5.24) | |||
| Potential Upside | 8.78 | |||
| Downside Variance | 11.04 | |||
| Semi Variance | 7.47 | |||
| Expected Short fall | (3.48) | |||
| Skewness | 0.5318 | |||
| Kurtosis | 0.1214 |
Consider Oportun Financial's intraday indicators
Oportun Financial intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Oportun Financial stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
| Accumulation Distribution | 25546.45 | |||
| Daily Balance Of Power | (0.65) | |||
| Rate Of Daily Change | 0.94 | |||
| Day Median Price | 3.79 | |||
| Day Typical Price | 3.76 | |||
| Price Action Indicator | (0.19) | |||
| Period Momentum Indicator | (0.22) |
Oportun Financial Corporate Filings
8K | 16th of January 2025 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
| 3rd of January 2025 Other Reports | ViewVerify | |
| 20th of December 2024 Other Reports | ViewVerify | |
F4 | 13th of December 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
Oportun Stock media impact
Far too much social signal, news, headlines, and media speculation about Oportun Financial that are available to investors today. That information is available publicly through Oportun media outlets and privately through word of mouth or via Oportun internal channels. However, regardless of the origin, that massive amount of Oportun data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Oportun Financial news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Oportun Financial relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Oportun Financial's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Oportun Financial alpha.
Oportun Financial Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Oportun Financial can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Oportun Financial Corporate Management
| Casey CPA | Global Finance | Profile | |
| Stacy Newton | Chief Officer | Profile | |
| Seher Banwari | VP Risk | Profile | |
| Irfan Ganchi | Chief Officer | Profile | |
| Ezra Garrett | Senior Impact | Profile | |
| Sarah Livnat | VP Impact | Profile |
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.