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OPRT | NASDAQ

$8.23 -$0.05 | -0.60%

SIGNAL:

Signal available — unlock to view

|2026-09-23 |F&G 73 |RSI 59.4

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Company Overview:

Market Cap: $402.86M

Trailing PE: 20.6x

FWD PE *: 4.6x

Payout Ratio (TTM): —

52-Week Range: $4.03 - $8.66

* Forward PE is based on street estimates.

7 Year OPRT Performance Metrics:

Total Return (with DRIP): -49.1% (-9.20% CAGR)

Total Return (no DRIP): -49.1% (-9.20% CAGR)

Share Price: -49.1% (-9.20% CAGR)

Yield on Cost (with DRIP): —

Total Invested: $10,000

Total Value (with DRIP): $5,090

Total Return $ (with DRIP): -$4,910

OPRT Total Return

1M 3M 6M YTD 1Y 3Y 5Y 10Y

OPRT Price Chart

1M 3M 6M YTD 1Y 3Y 5Y 10Y All

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OPRT Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:

OPRT - Revenue

OPRT Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Earnings Per Share (EPS)

OPRT EPS CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Net Income

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OPRT Net Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - EBITDA

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OPRT EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Free Cash Flow

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OPRT Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Free Cash Flow / Share

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OPRT Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Operating Income

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OPRT Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Gross Profit

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OPRT Gross Profit CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Shares Outstanding

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OPRT Shares Outstanding CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Share Buybacks

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OPRT Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Stock-Based Comp

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OPRT Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Expenses

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OPRT Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Revenue vs Net Income

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OPRT - EPS vs FCF / Share

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OPRT - EPS vs PE Ratio

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OPRT - FCF vs FCF / Share

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OPRT - FCF vs Stock Based Comp

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OPRT - Cash & Debt

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Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

OPRT - REVENUE: Actual + Estimates

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OPRT Actual Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - EPS: Actual + Estimates

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OPRT Actual EPS CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - NET INCOME: Actual + Estimates

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OPRT Actual Net Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - EBITDA: Actual + Estimates

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OPRT Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Ratios, Profit Margins & Return on Capital:

OPRT - Net Profit Margin

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OPRT Net Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Gross Profit Margin

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OPRT Gross Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Price to Earnings

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OPRT Price to Earnings CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Price To Sales Ratio

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OPRT Price To Sales Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Return on Capital Employed

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OPRT Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

OPRT - Return on Invested Capital

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OPRT Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%

Projected Future Returns & Dividends for OPRT

Based on past 7-year performance, here are OPRT growth metrics:

Share price CAGR of -9.2%
Dividend CAGR of +0%

Using OPRT CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

	OPRT (DRIP)	OPRT - No DRIP
Current Price	$8.23	$8.23
Start Shares	1,215.07	1,215.07
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	1,215.07	1,215.07
Dividends Payment	$0.00	$0.00
Annual Dividends	$0	$0
Yield on cost	0.00%	0.00%
Share Price	$3.14	$8.23
Total Dividends	$0	$0
Final Value	$3,811	$10,000

Estimated Future Value + Dividends - OPRT

NOTE: Above numbers are our estimate based on OPRT's Dividend and Price CAGR over past 7 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Oportun Financial Corporation (OPRT) had its IPO on , and is traded on NASDAQ stock exchange.

Oportun Financial Corporation is a financial services company that provides consumer-focused lending and savings products designed to support everyday financial needs. Oportun Financial Corporation offers personal loans, secured personal loans, credit cards, and savings solutions, along with digital tools for borrowing, budgeting, and money management. Its services are delivered through online channels, phone support, retail partners, and other lending partnerships, giving the company a broad reach across the U.S. consumer finance market. The company serves customers who may have limited credit history or are seeking more accessible financial products, positioning it as a specialist in inclusive lending and basic banking services. Headquartered in San Mateo, California, Oportun Financial Corporation focuses on helping members access responsible credit and practical financial tools that fit a range of day-to-day needs.

OPRT website: https://oportun.com

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DCF Model — OPRT

Value from:

EPS (TTM)icompany profit per share over the last 12 months

EPS Growth %ihow fast profit per share grows each of the next 5 years — prefilled with what analysts expect

EPS growth after year 5 (forever)ithe slower pace once the fast 5 years are over — only drives years 6-10 of the price path below

Exit multiple (PE in 5 yrs)iwhat buyers pay per $1 of profit in 2031 — prefilled with today’s forward PE

Desired return %/yrithe yearly return you want from buying today — the S&P has done ~14%/yr, ask for more from a single stock

FCF growth %/yr (next 5 yrs)ihow fast free cash flow grows while the company is still expanding fast

Years of fast FCF growthihow many years the fast growth lasts before the business settles down

FCF growth after year 5 (forever)ithe slow, steady pace once the company is mature — usually 2-3%, near inflation. Must stay below your target return

Risk-free rate %iwhat a 10-yr US treasury pays with zero risk — the floor any risky stock must beat

Your target return %/yrithe yearly return you want for taking this risk — rule of thumb: risk-free rate + extra for risk

FCF base ($M, TTM)ilast 12 months of free cash flow, added up from reported quarters

Include dividends in returnidividends hand you part of the return in cash, so the share price needs to climb less

Pay up to today

—

vs current price $8.23

—

Cash flow & implied price by year

FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.

EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.

Free cash flow today

—

grows for the next years

Then mature

—

every future dollar counted back to today

Pile of today-dollars

—

÷ shares

Implied price path

Year	FCF	Implied price

Sensitivity — fair value: growth ↓ × target return →

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