Is OPRT stock a Buy, Sell, or Hold?

Based on our analysis, OPRT is currently a HOLD with low confidence. 📊 HOLD: OPRT is fairly valued with market pricing in 1.2% annual growth. Fine to hold or accumulate slowly on dips.

What is the fair value of OPRT stock?

Our analysis estimates the fair value range for OPRT to be between $5.05 and $5.59. The current price is $5.42.

What is the analyst price target for OPRT?

The average Wall Street analyst price target for OPRT is $8.25. This implies a potential upside of 50.3% from current levels.

OPRT Stock Analysis: Buy, Sell, or Hold?

OPRT - Oportun Financial Corporation Common Stock

FINANCE SERVICES

$5.42

-0.07 (-1.28%) ▼

HOLD

LOW Confidence

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Last Updated: January 30, 2026

Earnings: Feb 11, 2026 10d

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Interactive Price Chart (1 Month)

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Bottom Line:
📊 HOLD: OPRT is fairly valued with market pricing in 1.2% annual growth. Fine to hold or accumulate slowly on dips.

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 17.0%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$8.76

Based on 10.5% avg growth

INTRINSIC VALUE TODAY

$5.44

0.3% Margin of Safety

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 3.4x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: OPRT is currently trading at $5.42, which is considered fair relative to its 30-day fair value range of $5.05 to $5.59. The stock's valuation (Forward PE: 3.5) is in line with its historical norms (3.4). At these levels, the market is pricing in 1.2% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, OPRT is in a downtrend. Immediate support is located at $4.74, while resistance sits at $6.29.

Market Sentiment: OPRT has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. In the options market, Implied Volatility is low (11th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $8.25 (+50.3%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position FAIR

Fair Price Range $5.05 - $5.59

Company Quality Score 56/100 (HOLD)

Options IV Signal 11th percentile (COMPLACENCY WARNING)

Volume Confirmation HIGH

Confidence Score 87.3%

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All Signals

NEUTRAL: Price in fair range
BULLISH: Options cheap (IV 11th percentile)
BULLISH: Strong technical setup (75/100)
BULLISH: High volume confirmation
BULLISH: Trading 50.3% below Wall St target ($8.25)
NEUTRAL: Market pricing in 1.2% annual earnings growth - fairly valued
CAUTION: Recommendation downgraded due to -5.6% 5-day decline

Fair Price Analysis

30-Day Fair Range $5.05 - $5.59

Current vs Fair Value FAIR

Expected Move (7 Days) ±$0.51 (9.5%)

Support & Resistance Levels

Support Level $4.74

Resistance Level $6.29

Current Trend Downtrend

Fundamental Context

Forward P/E (Next Year Est.) 3.50

Wall Street Target $8.25 (+50.3%)

Revenue Growth (YoY) -6.2%

Earnings Growth (YoY) 1270.0%

Profit Margin 4.3%

Valuation Premium vs History +1.2% premium

PE vs Historical 3.5 vs 3.4 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +1.2% (market-implied from PE analysis)

1-Year Target $5.56 (+1%)

2-Year Target $5.62 (+2%)

3-Year Target $5.69 (+4%)

3-Yr Target (if PE normalizes) (PE: 4→3) PE COMPRESSION $5.53 (+1%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 22.3, Growth: 17.0%) $56.07 (+921%)

Base: (SPY PE: 3.5, Growth: 17.0%) $8.79 (+60%)

Bear: (PE: 3.0, Growth: 17.0%) $7.47 (+36%)

📈 Valuation based on Current Earnings

RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (4x PE) as earnings recover.

Trailing PE: 7.50 | Current EPS (TTM): $0.72

Bull Case $11.88 (+119%)

Analyst growth 100.0%, PE expands to 8.3

Base Case $10.80 (+99%)

Market implied 100.0%, PE stable at 7.5

Bear Case $3.67 (-32%)

Severe decline -20.0%, PE contracts to 6.4

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

Last updated: January 30, 2026 11:12 PM ET
Data refreshes hourly during market hours. Next update: 12:12 AM

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Technical Signals Check

Is OPRT showing a specific setup today?

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Insider Activity (6 Months)

Buys

Sells

Net

INSIDERS SELLING

Recent Transactions

Kathleen I Layton SELL 4214 shares 2025-09-10

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Advanced OPRT Option Strategies

Professional options setups generated by AI based on today's OPRT price and gamma walls.

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More Analysis for OPRT

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