Thesis pillars
- Perfect Earnings Beat Streak↑Improving
- Attractive Valuation Forward Pe→Stable
- Thin Upside Near 52 Week High→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 18, 2026, based on the 10-K filed Feb 27, 2026
Oportun Financial Corporation (OPRT) Stock Analysis
Breakout setup · Inst Constrain edge
Financial Services · Credit Services
Sell if holding. Multiple concerning factors at $9.77: Concentration risk — Counterparty: Pathward loan originations (98.0%); Concentration risk — Loan Portfolio: interest on member loans revenue (90.0%).
Oportun is a San Mateo, California consumer lender that makes fixed-rate unsecured personal loans (APR capped at 36%) and vehicle-secured loans to people with limited credit history, plus the Set & Save savings app. It has served 2.8 million members through its mobile app,... Read more
Sell if holding. Multiple concerning factors at $9.77: Concentration risk — Counterparty: Pathward loan originations (98.0%); Concentration risk — Loan Portfolio: interest on member loans revenue (90.0%). Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Score 5.7/10, moderate confidence.
Passes 5/7 gates (positive momentum, clean insider activity, news events none recent, semi cycle peak clear, materials cycle peak clear). Fails on earnings proximity 5d<=7d. Suitability: aggressive.
About Oportun Financial Corporation
About Oportun Financial Corporation
Oportun has extended more than $21.8 billion of credit through more than 8.0 million loans and credit cards since 2005, and serves 2.8 million members through a mobile app, a website, a telesales team and 126 retail locations. The lender recorded net income of $25.2 million in 2025 after a net loss of $78.7 million in 2024, and it earns over 90% of its revenue from interest on member loans.
The core product is a fixed-rate, fully amortizing unsecured personal loan capped at 36% APR, ranging from $300 to $10,000 with terms of 12 to 54 months; the average loan originated in 2025 was $3,098, and the weighted average APR at origination was 35.2%. Secured personal loans backed by an automobile run from $2,525 to $18,500 at a 33.0% weighted average APR and are offered in 8 states. Set & Save, a machine-learning savings product, has helped members set aside more than $12.5 billion since 2015. Loans are funded through securitizations, warehouse facilities and whole loan sales, and the company's interests in financed loan pools are first-loss interests. Competitors named in the filing include payday lenders, auto title lenders, pawn shops, neobanks and other nonbank lenders. Loans receivable carried at fair value represented 88% of total assets at December 31, 2025.
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Bank-partner dependence is the lens that matters most. Pathward originated approximately 98% of aggregate personal loan originations in 2025, up from 92% in 2024, and unsecured loans are made in 39 states through that partnership versus 2 states under the company's own licenses. The program agreement was extended through 2029 with automatic two-year renewals, but either side may terminate for material breach or change of control. If the relationship were suspended or ended, replacing it might require new state licenses, which the 10-K calls costly and time consuming, and could delay new loans.
See also: Financial Services · Credit Services
From Oportun Financial Corporation's most recent 10-K filing, extracted October 18, 2026.
Recent developments
updated 2026-10-29Recent Developments — Oportun Financial Corporation
Latest news
- NEWS Oportun to Report Third Quarter 2026 Financial Results — fiscal.ai Oct 20, 2026
- NEWS Jefferies Maintains Hold on Oportun Financial, Raises Price Target to $9 — benzinga Oct 7, 2026 positive
Generated 2026-10-29T11:08:51Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHcounterpartyPathward loan originations98%10-K Item 1A: 'Pathward originated approximately 98% and 92% of aggregate personal loan originations, respectively'
- HIGHloan_portfoliointerest on member loans revenue90%10-K Item 1A: 'We earn over 90% of our revenue from interest payments on the loans we make to our members.'
- HIGHloan_portfolioconsumer lending10-K Item 1A: 'Our business is currently heavily concentrated on consumer lending'
- MEDIUMProductunsecured personal loans10-K Item 1: 'we originate unsecured personal loans in 2 states through state licenses and in 39 states through our partnership with Pathward. This product is currently the majority of our revenue and profitability'
Material Events(8-K, last 90d)
- 2026-09-11Item 5.02MEDIUMBoard appointed William Franklin (formerly CFO of Consumer Banking at Discover) as Chief Financial Officer and principal financial officer effective September 8, 2026; Joseph Schueller stays as SVP Finance, Controller and principal accounting officer.SEC filing →
- 2026-08-25Item 5.02LOWCompensation Committee approved an Amended and Restated Executive Severance and Change in Control Policy on August 19, 2026, covering CEO Douglas Bland and designated SVP-and-above executives; non-CIC severance is 18, 12 and nine months of base salary for CEO, Tier I and Tier II.SEC filing →
- 2026-08-14Item 5.02LOWBoard expanded from seven to eight directors on August 11, 2026 and appointed Scott Scheirman (former CPI Card Group CEO) as independent Class I director and Audit & Risk Committee chair.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
2 floor-breakers
Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Sell if holding. Multiple concerning factors at $9.77: Concentration risk — Counterparty: Pathward loan originations (98.0%); Concentration risk — Loan Portfolio: interest on member loans revenue (90.0%). Chart setup: Golden cross, above all MAs, RSI 69, MACD bullish. Prior stop was $9.09. Score 5.7/10, moderate confidence.
Analyst target: $9.78 (+0.1% upside). Prior stop was $9.09. Stop-loss: $9.09.
Concentration risk — Counterparty: Pathward loan originations (98.0%); Concentration risk — Loan Portfolio: interest on member loans revenue (90.0%); Analyst target reached - limited upside remaining.
Oportun Financial Corporation trades at a P/E of 24.4 (forward 5.0). TrendMatrix value score: 8.0/10. Verdict: Sell.
11 analysts cover OPRT with a consensus score of 3.9/5. Average price target: $12.
What does Oportun Financial Corporation do?Oportun is a San Mateo, California consumer lender that makes fixed-rate unsecured personal loans (APR capped at 36%)...
Oportun is a San Mateo, California consumer lender that makes fixed-rate unsecured personal loans (APR capped at 36%) and vehicle-secured loans to people with limited credit history, plus the Set & Save savings app. It has served 2.8 million members through its mobile app, website, telesales and 126 retail locations, and earns over 90% of revenue from loan interest. Pathward, a partner bank, originated about 98% of 2025 personal loans.