Oportun Financial (OPRT)
Offers personal loans, auto-secured credit, and automated savings tools for credit-constrained members.
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Provides unsecured and automobile-secured personal loans, plus Set & Save budgeting and savings tools, through one North America segment. Interest income comes mainly from lending, with unsecured loans carrying most revenue and profitability while Pathward originates nearly all personal-loan volume.
Provides unsecured personal loans and automobile-secured personal loans, with Set & Save adding automated budgeting and savings. The lending products are fixed-payment installment credit; Set & Save analyzes linked-account activity and moves small amounts toward member goals.
Revenue is generated in North America and managed as one reportable segment. Unsecured personal loans remain the main engine of revenue and profitability, while secured loans expand the borrowing range for members who can pledge a vehicle.
The model depends on regulated consumer-lending operations, external funding structures, and Pathward. Credit-card receivables have been sold, leaving the current mix centered on loans and savings.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 6, 2026 | Stephens | Reiterate | Rating: —Target: — | Target: $8 |
| Jan 12, 2026 | JP Morgan | Upgrade | ||
| Oct 7, 2025 | JP Morgan | Downgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $139.6M · Total debt $2.66B · Total assets $3.13B · Shareholders' equity $407.1M
- Revenue
- $233.2M
- Operating income
- $15.6M
- Net income
- $8.5M
No dividends on record.
| Institutions | ≈ 82.27% | 37.83M shares | |
|---|---|---|---|
| 137 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 10.37% | 4.77M shares | |
| 19 holders · as of Sep 14, 2026 | |||
| Strategic holders | 5.28% | 2.43M shares | |
| 1 holder · as of Aug 14, 2025 | |||
| Other | ≈ 2.08% | 955.5K shares | |
| remainder | |||
45.99M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Forager Capital Management, LLCInstitution | 9.81% | 4.51M | as of Jun 30, 2026 |
NB Alternatives Advisers LLCInstitution | 9.54% | 4.39M | filed May 28, 2025 |
Neuberger Berman Group LLCInstitution | 8.47% | 3.89M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 7.33% | 3.37M | as of Jun 30, 2026 |
Findell Capital Management LLCInstitution | 6.08% | 2.80M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 10, 2026 | Kathleen I. Layton | officer: Chief Legal Officer | −4,223 | $7.80 |
| Sep 11, 2026 | Joseph Andrew Schueller | officer: SVP-Controller, CAO | −28 | $7.80 |
| Sep 10, 2026 | Joseph Andrew Schueller | officer: SVP-Controller, CAO | −2,831 | $7.80 |
| Mar 10, 2026 | Kathleen I. Layton | officer: Chief Legal Officer | −19,355 | $4.90 |
| Mar 10, 2026 | Patrick Kirscht | officer: Chief Credit Officer | −54,299 | $4.90 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Oportun Financial | $8.19 | −1.21% | $380.5M | 20.7 | 4.6 | 0.6 | +42.1% |
| OneMain | $57.67 | −2.39% | $6.83B | 8.9 | 7.3 | 1.1 | −15.5% |
| Enova International | $168.15 | −0.49% | $4.21B | 12.5 | 8.7 | 1.4 | +21.6% |
| Regional Management | $30.83 | −1.44% | $288.0M | 6.6 | 5.4 | 0.4 | +6.7% |
| World Acceptance | $170.69 | −1.33% | $806.2M | 20.4 | 13.7 | 1.4 | +5.1% |
| OppFi | $6.29 | −2.02% | $548.2M | — | 3.9 | — | +1.9% |
| Upstart | $25.63 | −1.33% | $2.49B | 50.8 | 18.2 | 1.9 | +41.8% |
| Happen | $15.62 | −2.42% | $1.85B | 9.6 | 7.8 | 1.4 | −20.7% |
| Credit Acceptance | $552.15 | −1.81% | $5.88B | 12.4 | 10.7 | 2.5 | +2.1% |
| Median | 12.4 | 8.3 | 1.4 | +3.6% |