OPRT
Oportun Financial Corporation Common Stock
FINANCE SERVICES
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Oportun Financial (OPRT) Stock: Buy, Sell, or Hold?
$11.79
+0.14 (+1.20%)
▲
5d:
-9.38%
30d:
+28.57%
90d:
+54.32%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (37%)
Quality Score
28/100
Position
EXTENDED
30-Day Fair Range
$8.57 – $10.96
Position: EXTENDED
Forward P/E & Valuation
5.6x
STRETCHED
vs 3.4x historical avg
Wall Street Target
$13.50
+15.9% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$9.66 / $13.34
Trend: Strong Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
📊 MIXED SIGNALS: OPRT shows conflicting indicators. Wait for confirmation before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$13.86
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$8.61
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 3.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: OPRT is currently trading at $11.79, which is considered extended relative to its 30-day fair value range of $8.57 to $10.96. From a valuation perspective, the stock is trading at a premium (Forward PE: 5.6) compared to its historical average (3.4). At these levels, the market is pricing in 18.0% 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. Immediate support is located at $9.66, while resistance sits at $13.34.
Market Sentiment: OPRT scores 0/100 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 (0th 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 $13.50 (+15.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, OPRT is in a strong uptrend. Immediate support is located at $9.66, while resistance sits at $13.34.
Market Sentiment: OPRT scores 0/100 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 (0th 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 $13.50 (+15.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$8.57 -
$10.96
Company Quality Score
28/100
(SELL)
Volume Confirmation
HIGH
Confidence Score
36.5%
Trading Range & Key Levels
30-Day Trading Range
$8.57 -
$10.96
Current vs Trading Range
EXTENDED
Expected Move (7 Days)
±$0.94
(8.0%)
Support Level
$9.66
Resistance Level
$13.34
Current Trend
Strong Uptrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- BEARISH: Price extended above range (+7.6% above its trading range)
- BULLISH: Options cheap (IV 0th percentile)
- BEARISH: Weak technical setup (0/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($13.50)
- NEUTRAL: PE elevated vs history but 18.0% growth expectation is conservative given 309% recent growth
- WARNING: Composite score 28/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
5.56
Wall Street Target
$13.50
(+15.9%)
Revenue Growth (YoY)
12.7%
Earnings Growth (YoY)
309.1%
Profit Margin
4.9%
Valuation Premium vs History
+18.0% premium
PE vs Historical
5.6 vs 3.4
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+18.0%
(market-implied from PE analysis)
1-Year Target
$13.75
(+18%)
2-Year Target
$16.22
(+39%)
3-Year Target
$19.14
(+64%)
3-Yr Target (if PE normalizes)
(PE: 6→3)
PE COMPRESSION
$11.70
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 26.0%)
$83.10
(+613%)
Base:
(SPY PE: 5.6, Growth: 26.0%)
$23.28
(+100%)
Bear:
(PE: 3.4, Growth: 26.0%)
$14.23
(+22%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (6x PE) as earnings recover.
Trailing PE: 15.49 | Current EPS (TTM): $0.75
Bull Case
$25.56
(+119%)
Analyst growth 100.0%, PE expands to 17.0
Base Case
$23.24
(+100%)
Market implied 100.0%, PE stable at 15.5
Bear Case
$7.90
(-32%)
Severe decline -20.0%, PE contracts to 13.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (OPRT)
Bullish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Nov 5, 2026
Daily AI digest
AI Retail Discussion Summary:
A bullish StockTwits message suggests a potential short squeeze for $OPRT due to China involvement, large float size, and positive news. No recent Yahoo Finance news articles were found.
Key Retail Themes:
China influence
Large float size
Positive news
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 3:03 PM ET
Data refreshes hourly during market hours. Next update: 4:03 PM
Data refreshes hourly during market hours. Next update: 4:03 PM
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Technical Signals Check
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Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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