OPRT

Oportun FinancialA

Nasdaq / Financial Services

At close

2026-07-22

Current thesis

Improved funding costs and liquidity, continued GAAP profitability, reiterated 2026 adjusted EPS guidance of $1.50-$1.65, and a potential second-half risk-based pricing launch could support a recovery if originations grow without renewed credit deterioration [#SEC-8K-2026-05-07].

Posture

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.2.

What can break

Low coverage, absent recent-news aggregation, and unavailable analyst revisions limit forward visibility.

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $5.30 · Bull $7.20 · Bear $4.20

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-21 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-07-22 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade A · Constructive

Confidence Medium · Net Neutral

Target $9.00

Why

Momentum75 · Δ7d -8.7

Value59 · Δ7d +0.2

Sentiment51 · Δ7d +6.0

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-8.7

Δ21d

+37.9

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+1.6

Sentiment

34% active weight

Current posture

7d trendImproving

Δ7d

+6.0

Δ21d

+3.8

Why this grade

Composite grade A. Momentum 74.7 / Value 59.1 / Sentiment 50.8

Fundamentals (TTM)

As of 2026-07-21

Market Cap

$264.86M

Beta

1.18

Shares Out

45.9M

P/E (TTM)

7.9

P/S (TTM)

0.57

P/FCF (TTM)

0.62

Rev YoY

-3.0%

EPS YoY

-76.7%

Gross Margin

Op Margin

+10.1%

Net Debt

$2.61B

Current Ratio

4.61

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology