Oportun Financial (OPRT) Stock: Buy, Sell, or Hold?
OPRT - Oportun Financial Corporation Common Stock
$8.23
0.08 (1.04%)
â˛
5d:
-0.9%
30d:
+15.36%
90d:
+39.41%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Nov 03, 2026
Get Alerted When OPRT Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
âšī¸ NEUTRAL: OPRT is fairly priced but lacks strong directional signals. At 9.9% expected growth, valuation appears stretched. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: OPRT is fairly priced but lacks strong directional signals. At 9.9% expected growth, valuation appears stretched. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$11.79
Based on 13.8% avg growth
INTRINSIC VALUE TODAY
$7.32
Trading above historical range
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 3.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPRT is currently trading at $8.22, which is considered slightly high relative to its 30-day fair value range of $7.50 to $8.27. From a valuation perspective, the stock is trading at a premium (Forward PE: 4.2) compared to its historical average (3.2). At these levels, the market is pricing in 9.9% 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 strong uptrend. The price is currently testing key support at $7.99. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: OPRT scores 28/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. In the options market, Implied Volatility is low (27th 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 $9.75 (+18.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, OPRT is in a strong uptrend. The price is currently testing key support at $7.99. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: OPRT scores 28/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. In the options market, Implied Volatility is low (27th 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 $9.75 (+18.5%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$7.50 -
$8.27
Company Quality Score
40/100
(SELL)
Options IV Signal
27th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
51.2%
All Signals
- BULLISH: Options cheap (IV 27th percentile)
- BEARISH: Weak technical setup (28/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($9.75)
- NEUTRAL: Trading at premium valuation - market expects 9.9% growth which is achievable
- WARNING: Composite score 40/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$7.50 -
$8.27
Current vs Trading Range
SLIGHTLY HIGH
Expected Move (7 Days)
Âą$1.43
(17.4%)
Support & Resistance Levels
Support Level
$7.99
Resistance Level
$8.66
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.21
Wall Street Target
$9.75
(+18.5%)
Revenue Growth (YoY)
9.4%
Earnings Growth (YoY)
21.4%
Profit Margin
2.6%
Valuation Premium vs History
+9.9% premium
PE vs Historical
4.2 vs 3.2
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+9.9%
(market-implied from PE analysis)
1-Year Target
$9.04
(+10%)
2-Year Target
$9.93
(+21%)
3-Year Target
$10.92
(+33%)
3-Yr Target (if PE normalizes)
(PE: 4â3)
PE COMPRESSION
$8.29
(+1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 23.5%)
$75.09
(+813%)
Base:
(SPY PE: 4.2, Growth: 23.5%)
$15.51
(+89%)
Bear:
(PE: 3.2, Growth: 23.5%)
$11.78
(+43%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (20x PE), but valuation improves significantly next year (4x PE) as earnings recover.
Trailing PE: 20.35 | Current EPS (TTM): $0.40
Bull Case
$17.91
(+118%)
Analyst growth 100.0%, PE expands to 22.4
Base Case
$16.28
(+98%)
Market implied 100.0%, PE stable at 20.4
Bear Case
$5.54
(-33%)
Severe decline -20.0%, PE contracts to 17.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 7:23 AM ET
Data refreshes hourly during market hours. Next update: 8:23 AM
Data refreshes hourly during market hours. Next update: 8:23 AM
đĨ Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is OPRT showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
Top Rated Credit Services Stocks
Top-rated stocks in Credit Services by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
V
Visa Inc. Class A |
STRONG BUY
41 analysts |
$419 | 51 HOLD |
|
MA
Mastercard Inc |
STRONG BUY
42 analysts |
$667 | 55 HOLD |
|
PYPL
PayPal Holdings Inc |
HOLD
47 analysts |
$57 | 56 HOLD |
|
AFRM
Affirm Holdings Inc |
STRONG BUY
24 analysts |
$99 | 63 BUY |
|
COF
Capital One Financial CoâĻ |
STRONG BUY
23 analysts |
$259 | 52 HOLD |
