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OPOPRT

Oportun Financial Corporation

$OPRT·$371M·Financial - Credit Services·Financial Services
$7.66+0.2%1Y+22.2%
Mentions · last 7 days
2026-08-07: 8 posts2026-08-08: 2 posts2026-08-09: 0 posts2026-08-10: 1 posts2026-08-11: 1 posts2026-08-12: 1 posts2026-08-13: 0 posts13+7%
Price updated 13m ago·X counts updated 20h ago
OPOPRT
$OPRTOportun Financial Corporation
$7.66+0.20%13 posts+7%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $OPRT, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Comeback attemptAcceleratingAI verdict · as of 2026-08-13

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

Oportun's Q2 beat by 28% with revenue +42% — the near-prime consumer lender turnaround is landing

Oportun Financial is a near-prime consumer lender (personal loans, auto financing, credit cards) with a turnaround thesis anchored by improved underwriting and expense discipline.

  • Q2 EPS $0.42 vs $0.33 estimate — 28.6% beat; revenue $233.2M (+42% YoY, +63% QoQ) — the growth reacceleration is real.
  • Trailing four surprises: +28.6%, 0%, +3.8%, prior in-line — beat cadence returning after mixed period.
  • Trades at 20x trailing P/E but 4.8x forward on 2026 EPS of $1.56 — the multiple only reflects the trailing loss quarters.
  • 2027 consensus EPS $1.89, 2028 $2.31 — Street models continued turnaround.
  • Position 82% into 52-week range with tight 29.5M float — momentum with thin liquidity.

Upside is continued credit-quality improvement and net interest margin expansion; downside is a US consumer credit deterioration or securitization funding pressure.

What to watch: Q3 print (Nov 3) — net charge-off rate, originations pace, and any updated FY guide.

On the calendar: 2026-11-03

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Read the AI verdict + X sentiment for $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)
  • X crowd read with bullish/bearish call + post volume
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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 agents transacting autonomously on behalf of consumers could decouple purchase decisions from card rails, threatening the interchange fee model.

Industry benchmark

20-name peer basket
-1.7%YTD
-5.6%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 $0.41

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$942.5M$938.8M – $946.2M$1.56$1.55 – $1.574
FY27$989.4M$976.7M – $1.0B$1.89$1.66 – $2.104
FY28$1.1B$1.0B – $1.1B$2.31$2.28 – $2.351

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.0.7×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.85%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.+31.6%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.+42.6%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 today1.3% 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.β1.235-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

SellMar 10Patrick KirschtChief Credit Officer54.3K sh$266KSellMar 10Kathleen I. LaytonChief Legal Officer19.4K sh$95K
+ 5 other (3 awards · 1 gift · 1 inkind) 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

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.

8-KOfficer or director changeJun 188-K — Item 5.02: Officer or director change · Item 8.01: Other event
AI summary

OPRT (OPRT) disclosed an officer or director change (Item 5.02) on 2026-06-18. Also disclosed: Item 8.01. Details: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers Tran. Executive transitions are administrative disclosures; materiality depends on the seniority of the affected position. No new financial terms were disclosed in this filing.

3New insider — initial holdingsApr 213
8-KOfficer or director changeApr 178-K — Item 5.02: Officer or director change · Item 8.01: Other event
3New insider — initial holdingsApr 103
8-KOfficer or director changeApr 28-K — Item 5.02: Officer or director change
+ 17 other (5 13Gs · 3 earnings 8-Ks · 2 10-Qs · 2 proxys) in window

Recent news

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

Oportun Appoints Scott Scheirman to its Board of Directorsglobenewswire.com·1d agoContrasting Oportun Financial (NASDAQ:OPRT) and PRA Group (NASDAQ:PRAA)defenseworld.net·3d agoOportun Financial Corporation (OPRT) Q2 2026 Earnings Call Transcriptseekingalpha.com·8d agoOportun Financial Q2 Earnings Call Highlightsmarketbeat.com·9d agoOportun Financial Corporation (OPRT) Q2 Earnings and Revenues Beat Estimateszacks.com·9d 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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