Oportun Financial Corp. (OPRT)
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
$13.01+29.58%
Close 2026-11-04 · 1-day change
NASDAQFinancialsFinancial - Credit ServicesSnapshot 2026-11-04
QuarterlyIQ Insights · OPRT
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits well below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -24.5% |
| Our one-year growth estimate | diamond | 4.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 28.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 21 industry peers · Company calendar date is not available
OPRT — CFO transition
Dated 2026-09-11
CFO — William Franklin: The filing announces the appointment of an external candidate as CFO, which is a significant management change but not a departure of a sitting executive.
Why it matters: Oportun cut its full-year loss range after Q2. A rate above 12.0% would test its claim that credit is improving.
Worry ifQ3 annualized net charge-offs exceed 12.0%, above the top of the 11.0% guidance range plus 15 basis points.
Less concerning ifQ3 annualized net charge-offs are 11.15% or less, within guidance.
Why it matters: Oportun raised its full-year EBITDA range after Q2. A miss against Q3 guidance could weaken confidence in that higher goal.
Worry ifQ3 Adjusted EBITDA is below $43 million, the bottom of the $43 million to $48 million range.
Less concerning ifQ3 Adjusted EBITDA is $43 million or more, within or above guidance.
Why it matters: Bill Franklin joined in September and now leads finance. His first report can show how the team tracks profit, funding costs, and growth.
Watch forThe Nov. 3 earnings report keeps the $160 million to $175 million full-year EBITDA range and confirms the 11.7% charge-off midpoint.
Also watch forThe Nov. 3 earnings report cuts the full-year EBITDA range or raises the charge-off midpoint above 11.7%.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$194 on $10,000 · ±1.9% | How much price usually moves either way. |
| Bad day | $526 loss on $10,000 · 5.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $3,174 loss on $10,000 · 31.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.