OPRT Stock Analysis: Buy, Sell, or Hold?
OPRT - Oportun Financial Corporation Common Stock
$5.22
-0.03 (-0.57%)
▼
5d:
-4.57%
30d:
-11.22%
90d:
+3.78%
BUY
HIGH Confidence
Analysis Updated: May 18, 2026 12:00 AM ET
Earnings: May 11, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: OPRT trading at deep discount. Market pricing in -3.2% annual earnings decline, creating value opportunity for patient investors.
✅ BUY SIGNAL: OPRT trading at deep discount. Market pricing in -3.2% 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
$10.49
Based on 12.6% avg growth
INTRINSIC VALUE TODAY
$6.51
19.8% 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 $5.22, which is considered oversold relative to its 30-day fair value range of $5.26 to $5.88. From a valuation perspective, the stock is trading at a discount (Forward PE: 2.8) compared to its historical average (3.1). Remarkably, the market is currently pricing in an annual earnings decline of 3.2% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, OPRT is in a downtrend. The price is currently testing key support at $5.10. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $8.50 (+61.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, OPRT is in a downtrend. The price is currently testing key support at $5.10. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $8.50 (+61.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$5.26 -
$5.88
Company Quality Score
46/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 61.9% below Wall St target ($8.50)
Trading Range Analysis
30-Day Trading Range
$5.26 -
$5.88
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$5.10
Resistance Level
$5.96
Current Trend
Downtrend
Technical data as of
May 18, 2026
Fundamental Context
Forward P/E (Next Year Est.)
2.78
Wall Street Target
$8.50
(+61.9%)
Revenue Growth (YoY)
1.3%
Earnings Growth (YoY)
-76.5%
Profit Margin
2.5%
Valuation Discount vs History
-3.2% cheaper
PE vs Historical
2.8 vs 3.1
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.2%
(market-implied from PE analysis)
1-Year Target
$5.08
(-3%)
2-Year Target
$4.92
(-6%)
3-Year Target
$4.76
(-9%)
3-Yr Target (if PE normalizes)
(PE: 3→3)
$5.31
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 21.1%)
$73.90
(+1308%)
Base:
(SPY PE: 2.8, Growth: 21.1%)
$9.32
(+78%)
Bear:
(PE: 2.4, Growth: 21.1%)
$7.92
(+51%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (3x PE) as earnings recover.
Trailing PE: 14.54 | Current EPS (TTM): $0.37
Bull Case
$11.84
(+125%)
Analyst growth 100.0%, PE expands to 16.0
Base Case
$10.76
(+105%)
Market implied 100.0%, PE stable at 14.5
Bear Case
$3.66
(-30%)
Severe decline -20.0%, PE contracts to 12.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 2.8 to 3.1
Stabilization Target:
$5.85
(+11.4%)
PE Expansion Potential:
+11.4%
Share & Embed Analysis
Last updated: May 18, 2026 4:21 PM ET
Data refreshes hourly during market hours. Next update: 5:21 PM
Data refreshes hourly during market hours. Next update: 5:21 PM
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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
Patrick Kirscht
SELL
54299 shares
2026-03-10
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