Oportun Financial Corporation (OPRT) Stock Score, Valuation & Financial Research
Oportun Financial Corporation is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 28/100.
Quick answer for OPRT
Oportun Financial Corporation currently has a Wall Street Score of 28/100. The stored market price is $7.87. Its financial score is 7/100. Its valuation score is 26/100. These figures are a research snapshot, not a buy or sell recommendation.
What Oportun Financial Corporation does
This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options. Customers can access their offerings through diverse channels, including digital platforms, over the phone, or by visiting their physical retail locations. The company's operations span 24 states across the United States, with its footprint reaching areas such as Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Founded in 2005, its corporate headquarters are located in San Carlos, California.
OPRT financial snapshot
- Wall Street Score:
- 28/100
- Current price:
- $7.87
- Market capitalization:
- $361.3M
- Revenue:
- $616.9M
- Net income:
- $17.9M
- Free cash flow:
- $389.1M
- Cash:
- $209.9M
- Total debt:
- $2.72B
- EPS:
- 0.53
- P/E ratio:
- 14.8x
- Financial score:
- 7/100
- Valuation score:
- 26/100
- Revenue score:
- 43/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $389.1M, showing positive cash generation.
- The balance sheet shows $209.9M of cash versus $2.72B of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 26/100, which Wall Street Score classifies as weak within the model's valuation framework.
The financial score is 7/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-07-24.
How to research OPRT
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.