OPRT Stock Analysis: Buy, Sell, or Hold?
OPRT - Oportun Financial Corporation Common Stock
$4.57
-0.04 (-0.87%)
ā¼
5d:
-1.51%
30d:
-16.3%
90d:
-14.58%
BUY
HIGH Confidence
Analysis Updated: Apr 1, 2026 12:00 AM ET
Earnings: May 14, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
ā BUY SIGNAL: OPRT trading at deep discount. Market pricing in -8.7% annual earnings decline, creating value opportunity for patient investors.
ā BUY SIGNAL: OPRT trading at deep discount. Market pricing in -8.7% annual earnings decline, creating value opportunity for patient investors.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$11.23
Based on 13.9% avg growth
INTRINSIC VALUE TODAY
$6.97
34.4% 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 3.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPRT is currently trading at $4.57, which is considered slightly low relative to its 30-day fair value range of $4.40 to $5.21. From a valuation perspective, the stock is trading at a discount (Forward PE: 2.4) compared to its historical average (3.1). Remarkably, the market is currently pricing in an annual earnings decline of 8.7% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, OPRT is in a downtrend. Immediate support is located at $4.03, while resistance sits at $4.84.
Market Sentiment: OPRT has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $8.33 (+82.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, OPRT is in a downtrend. Immediate support is located at $4.03, while resistance sits at $4.84.
Market Sentiment: OPRT has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $8.33 (+82.3%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY LOW
Fair Price Range
$4.40 -
$5.21
Company Quality Score
54/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
86.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 82.3% below Wall St target ($8.33)
Fair Price Analysis
30-Day Fair Range
$4.40 -
$5.21
Current vs Fair Value
SLIGHTLY LOW
Expected Move (7 Days)
Ā±$0.46
(10.0%)
Support & Resistance Levels
Support Level
$4.03
Resistance Level
$4.84
Current Trend
Downtrend
Technical data as of
Apr 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
2.39
Wall Street Target
$8.33
(+82.3%)
Revenue Growth (YoY)
7.1%
Earnings Growth (YoY)
-64.8%
Profit Margin
3.5%
Valuation Discount vs History
-8.7% cheaper
PE vs Historical
2.4 vs 3.1
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-8.7%
(market-implied from PE analysis)
1-Year Target
$4.17
(-9%)
2-Year Target
$3.81
(-17%)
3-Year Target
$3.48
(-24%)
3-Yr Target (if PE normalizes)
(PE: 2ā3)
$4.51
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: 23.7%)
$80.78
(+1668%)
Base:
(SPY PE: 2.4, Growth: 23.7%)
$8.64
(+89%)
Bear:
(PE: 2.0, Growth: 23.7%)
$7.35
(+61%)
š
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (8x PE), but valuation improves significantly next year (2x PE) as earnings recover.
Trailing PE: 8.40 | Current EPS (TTM): $0.53
Bull Case
$9.79
(+112%)
Analyst growth 100.0%, PE expands to 9.2
Base Case
$8.90
(+93%)
Market implied 100.0%, PE stable at 8.4
Bear Case
$3.03
(-34%)
Severe decline -20.0%, PE contracts to 7.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
š”
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 2.4 to 3.1
Stabilization Target:
$5.93
(+29.7%)
PE Expansion Potential:
+29.7%
Share & Embed Analysis
Last updated: April 02, 2026 3:55 AM ET
Data refreshes hourly during market hours. Next update: 4:55 AM
Data refreshes hourly during market hours. Next update: 4:55 AM
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Technical Signals Check
Is OPRT showing a specific setup today?
Insider Activity (6 Months)
0
Buys
2
Sells
Net
INSIDERS SELLING
Recent Transactions
Kathleen I Layton
SELL
19355 shares
2026-03-10
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SELL
54299 shares
2026-03-10
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