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OPRT

Oportun FinancialC
Nasdaq / Financial Services
Last Price
At close
2026-06-02
View Chart
Current thesis
Primary-source evidence supports a stabilization thesis: Q1 landed inside management's operating frame, full-year guidance was reiterated, liquidity improved, cost of debt fell, and secured personal loans are growing with materially lower losses than unsecured loans. If management can grow originations modestly while holding charge-offs near guided levels, earnings leverage could improve from a low base.
Posture
Mixed
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +8.4.
What can break
Aggregate originations fell 11% year over year, limiting the clean growth narrative even as management plans to ramp later in 2026.
Momentum
39
Value
57
Sentiment
64
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $6.00 · Bull $7.50 · Bear $4.50
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-02 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $8.33
Why
Momentum39 · Δ7d -24.8
Value57 · Δ7d +0.0
Sentiment64 · Δ7d +8.4
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Sentiment · See AI snapshot
Momentum
39
34% active weight
Current posture
7d trendFlat
Δ7d
-24.8
Δ21d
-44.9
Value
57
32% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+0.4
Sentiment
64
33% active weight
Current posture
7d trendImproving
Δ7d
+8.4
Δ21d
+13.1
Why this grade

Composite grade C. Momentum 39.4 / Value 57.5 / Sentiment 64.2

Fundamentals (TTM)
As of 2026-06-02
Market Cap
$231.44M
Beta
1.18
Shares Out
44.13M
P/E (TTM)
7.9
P/S (TTM)
0.57
P/FCF (TTM)
0.62
Rev YoY
+67.8%
EPS YoY
+114.4%
Gross Margin
-
Op Margin
+10.1%
Net Debt
$2.74B
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology