OPRT
NEUTRAL
$5.39
Live
Oportun Financial Corporation · NASDAQ
Target $7.92
(+46.9%)
$4.03
52W Range
$7.96
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
AI-powered fundamental assessment
Confidence
80%
OPRT presents a classic value-trap profile, characterized by a stable Piotroski F-Score of 4/9 but alarming financial leverage with a Debt/Equity ratio of 7.21. While the stock trades at a deep discount to its Graham Number ($10.23) and book value (P/B 0.61), these metrics are offset by a severe YoY earnings collapse of 64.8%. Despite recent earnings beats and a bullish analyst consensus, the combination of bearish insider activity and a 0/100 technical trend suggests significant underlying risk.
Key Strengths
Deeply undervalued on a book value basis (P/B 0.61)
Extremely low Forward P/E of 2.84
Strong short-term liquidity (Current Ratio 6.48)
Consistent recent earnings beats (3 of last 4 quarters)
Trading significantly below the Graham Number of $10.23
Key Risks
Extreme financial leverage (Debt/Equity 7.21)
Severe earnings contraction (YoY Earnings Growth -64.8%)
Bearish insider sentiment with recent officer sales
Poor long-term price performance (5Y Change -73.3%)
Very low Return on Assets (ROA 0.78%)
AI Fair Value Estimate
Based on comprehensive analysis
$6.15
+14.1% above current price
Performance Snowflake
Multi-dimensional AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare OPRT against industry averages and similar companies
Insider Trading & Analyst Ratings
Track insider transactions and Wall Street analyst recommendations
Past News Coverage
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