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OPOPRT

Oportun Financial Corporation

Buzzing onWhy it's trendingX mentions rising faster than the marketMoving on elevated volumeBacked by solid revenue growth
$OPRT·$375M·Financial - Credit Services·Financial Services
$8.55+3.0%YTD+61.6%1Y+33.0%
Price updated 2d ago·X counts updated 15d ago
OPOPRT
$OPRTOportun Financial Corporation
$8.55+3.01%3 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $OPRT on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

3X posts · last 7 days
Sep 9Sep 12

AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $OPRT — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Comeback attemptAcceleratingAI verdict · as of 2026-09-26

The move is getting stronger, with heavier trading behind it.

Oportun +62% YTD at 98% of 52w range — new CFO from Discover, sell-side upgrade to Buy.

Oportun Financial is +62% YTD sitting at 97.6% of the 52-week range; new CFO William Franklin (ex-Discover) started 9/8 and analyst framing is 'The Turnaround Is Here, Upgrading To Buy' (9/10).

  • Analyst model: revenue $946M → $996M → $1.09B FY2026-28, EPS $1.58 → $1.98 → $2.42 — steady 25% EPS growth stacked.
  • Q2 EPS $0.42 vs $0.33 est (+28.6%); FCF yield 111% (distorted by loan-cycle accounting), PE 20, op margin 3% — profitability inflecting.
  • New Chief Retail/Sales Officer Bernardo Martinez + Scott Scheirman (ex-Western Union President/COO) to board — leadership build.

Q3 print 2026-11-03 needs to confirm the raise cadence + new CFO strategic-plan reset.

What to watch: Q3 print 2026-11-03 for loan-quality trajectory and NIM; Franklin's first strategic commentary; further insider Form 4s.

On the calendar: 2026-11-03 — Q3 2026 earnings

sentiment missing

Read the AI verdict on $OPRT

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Consumer lender offering personal loans, auto loans, and credit cards to underserved US borrowers through digital and retail channels.

Industry overviewAI analysisGenerated by AI from underlying data

Where Financial - Credit Services sits in its cycle right now — and what that implies for $OPRT.

Financial - Credit Services · Financial Services

No material change from last week — AI-driven underwriting (Upstart, SoFi) and BNPL (Affirm, Klarna) continue reshaping consumer credit while Visa and Mastercard card networks hold on premium-spend mix. Rate compression remains a headwind for subprime lenders; SoFi trades 30% below YTD highs despite operational progress.

What this means for $OPRT

Partial — personal and auto loans for underserved US borrowers; data-driven underwriting for thin-file borrowers shares the AI credit reshaping thesis but operates in the subprime segment where rate compression is a headwind.

Industry benchmark

20-name peer basket
-14.5%YTD
-25.1%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
20.1How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
4.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
3.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
111%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
0.5Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
4.9%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
28.5%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 5, 2026$0.42$0.33+28.6%
Q1 2026May 7, 2026$0.21$0.210.0%
Q4 2025Feb 26, 2026$0.27$0.26+3.8%
Q3 2025Nov 4, 2025$0.39$0.26+50.0%
Next earningsTue, Nov 3·consensus EPS $0.43

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$233.2M+42.1%82.0%6.7%$0.17$115.8M
Q1 FY26$142.8M-12.5%66.4%2.5%$0.05$97.2M
Q4 FY25$148.3M-11.2%60.9%4.4%$0.07$102.7M
Q3 FY25$161.7M+36.6%65.0%8.8%$0.11$92.9M

Forward consensus

3-year forecast · up to 4 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$945.2M$939.1M – $951.3M$1.58$1.53 – $1.634
FY27$994.5M$985.9M – $1.0B$1.95$1.76 – $2.134
FY28$1.1B$1.1B – $1.1B$2.42$2.39 – $2.451

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.98%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+18.8%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+48.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 29.5M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β1.255-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellSep 11Schueller Joseph AndrewSVP-Controller, CAO28 sh$218SellSep 10Schueller Joseph AndrewSVP-Controller, CAO2.8K sh$22KSellSep 10Kathleen I. LaytonChief Legal Officer4.2K sh$33K
+ 10 other (9 awards · 1 gift) in window

See when $OPRT insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsSep 143
AI summary

William H. Franklin, Chief Financial Officer of Oportun Financial Corp (OPRT), filed an initial Form 3 dated September 8, 2026 reporting 0 shares of common stock directly owned. No derivative securities are listed. This is a routine administrative insider-ownership disclosure upon appointment as CFO; no material business events are implied.

8-KOfficer or director changeSep 118-K — Item 5.02: Officer or director change · Item 8.01: Other event
AI summary

Oportun Financial appointed William Franklin as Chief Financial Officer, effective as soon as practicable. Franklin previously served as SVP/CFO of Discover's Consumer Banking division, bringing substantial consumer finance expertise. His compensation package includes $500,000 annual base salary and a 75% target annual bonus. Franklin's hire strengthens Oportun's financial leadership as the company manages credit quality and growth in its installment lending business.

8-KOfficer or director changeAug 258-K — Item 5.02: Officer or director change
AI summary

Oportun Financial Corporation (OPRT, San Mateo CA), a digital lending platform serving low-to-moderate income borrowers, filed a current report on August 19, 2026 disclosing a change in executive officers or directors (Item 5.02) with exhibits (Item 9.01). The specific details of the leadership change are not visible in the 4KB excerpt. Leadership changes at a fintech lender under financial pressure can be material; Oportun has been undertaking strategic restructuring.

3New insider — initial holdingsAug 173
8-KOfficer or director changeAug 148-K — Item 5.02: Officer or director change · Item 5.07: Shareholder vote
AI summary

Oportun Financial appointed Scott Scheirman (age 63, former President and COO of Western Union) to its Board as a Class I director effective August 11, 2026, expanding the Board from seven to eight members. Scheirman was named Chair of the Audit & Risk Committee and a member of the Compensation & Leadership Committee; he was determined to be independent and an audit committee financial expert. Positive governance addition bringing seasoned financial services leadership to the audit oversight role.

8-KMaterial agreementJul 78-K — Item 1.01: Material agreement
AI summary

OPRT (OPRT) entered into loans for consumers in select states with a counterparty on 2026-07-07, involving undisclosed consideration. Effective Date”) Oportun Financial Corporation (the “Company”) through its subsi. This is a material definitive agreement (Item 1.01) requiring immediate disclosure under SEC rules. Investors should review the agreement terms for financial obligations, dilution, or strategic implications.

8-KMaterial agreementJun 248-K — Item 1.01: Material agreement
AI summary

OPRT (OPRT) entered into a material agreement with a counterparty on 2026-06-24, involving undisclosed consideration. . This is a material definitive agreement (Item 1.01) requiring immediate disclosure under SEC rules. Investors should review the agreement terms for financial obligations, dilution, or strategic implications.

3New insider — initial holdingsJun 223
AI summary

A new 10%+ beneficial owner filed a Form 3 initial statement of ownership for OPRT (OPRT) dated 2026-06-22. The filing reports initial beneficial ownership of shares, representing approximately a 10%+ stake of outstanding shares. Form 3 is required within 10 days of crossing the 10% ownership threshold and is an administrative disclosure. This indicates significant insider or institutional accumulation and may precede further Schedule 13D/G activity.

+ 18 other (4 13Gs · 3 8-Ks · 2 10-Qs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Oportun to Present at Sidoti September Virtual Investor Conferenceglobenewswire.com·5d agoOportun Appoints Bernardo Martinez as Chief Retail and Sales Officer and Garrett Hope as Chief Product Officerglobenewswire.com·6d agoOportun Reports Inducement Grants under Nasdaq Listing Rule 5635(c)(4)globenewswire.com·16d agoOportun: The Turnaround Is Here, Upgrading To Buyseekingalpha.com·17d agoTake the Zacks Approach to Beat the Markets: Oportun Financial, Uranium Royalty & Amgen in Focuszacks.com·19d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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Voices on X · last 7 days

No standout posts about $OPRT on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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