OPRT Stock Analysis: Buy, Sell, or Hold?
OPRT - Oportun Financial Corporation Common Stock
$8.09
0.04 (0.50%)
▲
5d:
+46.03%
30d:
+43.69%
90d:
+40.7%
WAIT
LOW Confidence
Analysis Updated: Aug 7, 2026 12:00 AM ET
Earnings: Aug 05, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
⏸️ WAIT FOR BETTER ENTRY: OPRT is 27.8% above its trading range ($6.33). Market expects 11.2% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
⏸️ WAIT FOR BETTER ENTRY: OPRT is 27.8% above its trading range ($6.33). Market expects 11.2% annual growth, but current price leaves little margin for error. While momentum could continue, risk/reward favors waiting for a pullback.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$11.40
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$7.08
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 3.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPRT is currently trading at $8.09, which is considered extended relative to its 30-day fair value range of $5.38 to $6.33. From a valuation perspective, the stock is trading at a premium (Forward PE: 4.2) compared to its historical average (3.0). At these levels, the market is pricing in 11.2% annual earnings growth.
Technical Outlook: Technically, OPRT is in a uptrend. The price is approaching resistance at $8.30. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
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 $9.00 (+11.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, OPRT is in a uptrend. The price is approaching resistance at $8.30. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
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 $9.00 (+11.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$5.38 -
$6.33
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
53.3%
All Signals
- BEARISH: Price significantly overextended (+27.8% above its trading range)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($9.00)
- BULLISH: Expecting earnings turnaround to 11.2% growth with 1.3% revenue growth
- WARNING: Composite score 52/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$5.38 -
$6.33
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$5.45
Resistance Level
$8.30
Current Trend
Uptrend
Technical data as of
Aug 7, 2026
Fundamental Context
Forward P/E (Next Year Est.)
4.15
Wall Street Target
$9.00
(+11.2%)
Revenue Growth (YoY)
1.3%
Earnings Growth (YoY)
-76.5%
Profit Margin
2.5%
Valuation Premium vs History
+11.2% premium
PE vs Historical
4.2 vs 3.0
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+11.2%
(market-implied from PE analysis)
1-Year Target
$9.00
(+11%)
2-Year Target
$10.00
(+24%)
3-Year Target
$11.12
(+38%)
3-Yr Target (if PE normalizes)
(PE: 4→3)
PE COMPRESSION
$8.05
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 25.1%)
$77.32
(+856%)
Base:
(SPY PE: 4.1, Growth: 25.1%)
$15.84
(+96%)
Bear:
(PE: 3.0, Growth: 25.1%)
$11.47
(+42%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (4x PE) as earnings recover.
Trailing PE: 16.43 | Current EPS (TTM): $0.49
Bull Case
$17.71
(+119%)
Analyst growth 100.0%, PE expands to 18.1
Base Case
$16.10
(+99%)
Market implied 100.0%, PE stable at 16.4
Bear Case
$5.47
(-32%)
Severe decline -20.0%, PE contracts to 14.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 08, 2026 10:11 AM ET
Data refreshes hourly during market hours. Next update: 11:11 AM
Data refreshes hourly during market hours. Next update: 11:11 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
Patrick Kirscht
SELL
54299 shares
2026-03-10
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