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Stock Ratings / Financials / OPRT
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Oportun Financial Corporation (OPRT) — RQD Stock Rating Cockpit

$9.92 +0.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $9.91

Oportun Financial Corporation (OPRT) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $454.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on OPRT Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is OPRT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Oportun Financial Corporation (NASDAQ: OPRT) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $9.92 (+0.30% 1D, market cap $454.8M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 11/20. Across 1097 tracked Financials issuers, OPRT ranks #285 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does OPRT compare to WYFI and OPFI in the Financials sector?
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Within the Financials sector (Finance: Consumer Services), OPRT carries a Roarable C (64/100 RQD), trailing P/E of 18.2x, gross margin of —, and ROIC of 6.5%. By comparison, WYFI (WhiteFiber Inc.) holds a E grade (30/100 RQD, P/E N/A, ROIC -5.8%, cap $469.1M) and OPFI (OppFi Inc. (Class A)) posts a D grade (50/100 RQD, P/E 19.0x, ROIC 85.0%, cap $478.9M). Among the 5-stock peer group, OPRT leads on earnings multiple (18.2x) while OPFI leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for OPRT?
▼

Per OPRT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001538716), Oportun Financial Corporation generated $19.5M in revenue (-14.1% YoY), $25.2M in net income, and $413.4M in free cash flow against $3.26B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $9.91 (-0.14%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 2123.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510064
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C
Cash (11)Whales (16)SEC (13)Macro (13)CEO (11)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$12 Bull$10 Base$8 Bear
📬 FREE OPRT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for OPRT)Realized 20D OHLCV Swing Band: ±7.9%
Deterministic 5-Pillar Attribution (64/100 Composite)
🔍 WHY OPRT SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (25% of score)

20D Institutional Volume Accumulation (±7.9% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (20% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution11/20 pts (-9 pt drag)

Cannibal Buyback (-0.96% YoY Shares) & executive Form 4 sales trim 9 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
56
Grade C$9.17-0.2% Next Q
Q2 (-2Q)
59
Grade C$9.15+4.5% Next Q
Q3 (-1Q)
61
Grade C$9.56+3.8% Next Q
Current
64
Grade C$9.92+1.1% Hist 90D α
Trajectory: C (56) → C (64)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the OPRT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, OPRT faces multiple-compression risk if 18.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($8.47) or 200D SMA ($6.27) invalidates the momentum regime and cuts Target Base ($10.19) toward Bear Floor ($7.95).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $OPRT• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “OPRT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
6830 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
5 / 99-Pt Accounting
52-WEEK LASER RANGE97% OF RANGE
L: $4$9.92H: $10
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on OPRT

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

6.5% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BULLISH (67)

27/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like OPRT
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (OPRT Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
OPRT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +74.04%⚡ TESTING RESISTANCE
2026-11-03O $9.98H $9.98L $9.89C $9.92VOL 673.1K
RES: $10.18SUP: $6.68SMA50: $8.47SMA200: $6.27
$10.47$8.89$7.32$5.74$4.16RES $10.18SUP $6.68$9.922026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

OPRT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 OPRT Butterfly Map → + Track OPRT →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
11.4%/yr Implied 5Y Growth

vs. -14.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on OPRT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for OPRT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for OPRT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (OPRT)

Financials Rank #285 of 1097 ⚔️ WYFI vs OPRT Full Matrix →

1. Head-to-Head Financials Peer Comparison (OPRT vs. WYFI, OPFI, ABTC, FWDI)

Industry: Finance: Consumer Services (156 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Oportun Financial Corporation (OPRT) ranks #285 by composite RQD confidence (64/100, grade C) and #722 by equity capitalization ($454.8M). Within this direct 5-issuer industry benchmark cohort, OPRT leads on earnings valuation at 18.2x trailing P/E, while OPFI leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. OPRT currently leads its immediate peer cohort in composite quantitative strength at 64/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
OPRT ACTIVE
Oportun Financial Corporation
C 64/100 18.2x — 6.5% +0.30% $454.8M Benchmark Subject
WYFI
WhiteFiber Inc.
E 30/100 — — -5.8% -10.62% $469.1M /wyfi-vs-oprt →
OPFI
OppFi Inc. (Class A)
D 50/100 19.0x — 85.0% -0.36% $478.9M /opfi-vs-oprt →
ABTC
American Bitcoin Corp. (Class A)
E 23/100 — — -27.1% -7.38% $483.5M /abtc-vs-oprt →
FWDI
Forward Industries Inc.
E 29/100 — — -0.8% -5.67% $484.4M /fwdi-vs-oprt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001538716 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Oportun Financial Corporation (OPRT) reported GAAP revenue of $19.5M (-14.1% vs. FY2024 revenue of $22.7M , and -23.9% cumulative change since FY2023) , GAAP net income of $25.2M, operating cash flow of $413.4M, and free cash flow of $413.4M (+5.1% YoY). On the balance sheet, OPRT closed FY2025 with $3.26B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $19.5M $25.2M $413.4M $413.4M $3.26B —
FY2024 (FY) 2024-12-31 $22.7M -$78.7M $393.5M $393.5M $3.23B —
FY2023 (FY) 2023-12-31 $25.6M -$180.0M $392.8M $392.8M — —

3. OPRT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is OPRT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Oportun Financial Corporation (NASDAQ: OPRT) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $9.92 (+0.30% 1D, market cap $454.8M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 11/20. Across 1097 tracked Financials issuers, OPRT ranks #285 in composite RQD confidence.

How does OPRT compare to WYFI and OPFI in the Financials sector?

Within the Financials sector (Finance: Consumer Services), OPRT carries a Roarable C (64/100 RQD), trailing P/E of 18.2x, gross margin of —, and ROIC of 6.5%. By comparison, WYFI (WhiteFiber Inc.) holds a E grade (30/100 RQD, P/E N/A, ROIC -5.8%, cap $469.1M) and OPFI (OppFi Inc. (Class A)) posts a D grade (50/100 RQD, P/E 19.0x, ROIC 85.0%, cap $478.9M). Among the 5-stock peer group, OPRT leads on earnings multiple (18.2x) while OPFI leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for OPRT?

Per OPRT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001538716), Oportun Financial Corporation generated $19.5M in revenue (-14.1% YoY), $25.2M in net income, and $413.4M in free cash flow against $3.26B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is OPRT trading relative to its 50-day, 200-day, and 52-week technical levels?

OPRT last traded at $9.92 (+0.30% on volume of 889,378 shares), positioning the stock +17.12% above its 50-day simple moving average ($8.47) and +58.21% above its 200-day simple moving average ($6.27). Across its 52-week range of $4.03 to $10.09, OPRT sits at the 97.2% percentile with a 14-day RSI of 68.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.9% ($9.14 to $10.70).

Direct Sub-Reports: OPRT RQD Cockpit OPRT 12M Forecast OPRT Earnings & Move OPRT Dividends & DRIP OPRT Insiders & 13F OPRT Whale Options OPRT Profit Sankey OPRT News & Why
ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

OPRT — Oportun Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Oportun Financial Corporation (OPRT) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $9.92 (+0.30% 1D, market capitalization $454.8M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 6.5%, gross margin of —, operating margin of —, and free cash flow yield of —.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (11/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Oportun Financial Corporation is a NASDAQ-listed issuer classified in the Financials sector and the Finance: Consumer Services industry. The profile describes the company as operating in consumer finance with a market capitalization of $0.5B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Oportun Financial Corporation (OPRT) reported $19.5M in annual revenue (up from $22.7M in FY2024, -14.1% YoY) and $25.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($25.6M revenue, -$180.0M net income) through FY2025, OPRT scaled operating cash flow to $413.4M and free cash flow to $413.4M, backed by $3.26B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 64/100): Big institutional funds and options desks are actively positioning on the bullish side. Free cash flow yield of — and institutional whale pillar of 16/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $4.03 – $10.09 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 18.2x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Finance: Consumer Services (Financials), OPRT carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can OPRT sustain or expand its — operating margin and 6.5% ROIC against Finance: Consumer Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $19.5M and free cash flow of $413.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is OPRT's 16.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

OPRT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Oportun Financial Corporation (OPRT) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to OPRT Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

OPRT Bull vs. Bear Conversation Board — What's Your Call at $9.92?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON OPRT 🐻 33% BEARISH CONVICTION
1. Pick Your Side on OPRT:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MI MidwestValue RQD DEBATE OPENER • Fundamental Long-Only 🐂 BULLISH 🎯 Target: $11.77 (+19.0%)
📌 Pinned Debate

The Whale 13F Flow pillar scores 16 of 20, the strongest pillar, signaling notable institutional accumulation and options positioning.

Don't sleep on OPRT's setup in Financials. The Whale 13F Flow pillar scores 16 of 20, the strongest pillar, signaling notable institutional accumulation and options positioning.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (64/100) backs up the fundamental quality.

ArenaChamp_24 🐂 BULL

@MidwestValue Agree on the RQD 64/100 quality, though with 1.0 beta I'm scaling in with half-size at $9.89 and keeping dry powder in case we test $9.20.

ME MeanReversion_88 RQD DEBATE OPENER • Quantitative Statistical Arb 🐻 BEARISH 🎯 Target: $8.31 (-16.0%)
Spot @ $9.89

The Fundamental Cash Engine pillar scores 11 of 20 with an FCF yield of 0%, offering no cash-return cushion at the current price.

Sitting on the sidelines or leaning short OPRT above $9.89. The Fundamental Cash Engine pillar scores 11 of 20 with an FCF yield of 0%, offering no cash-return cushion at the current price.. Until Fundamental Cash Engine (11/20) and FCF yield (0.0%) inflect higher, upside is capped near $10.09.

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