Oportun Financial Corp

OPRT.US
Financial Services · Credit Services
5.74
+0.03 (+0.53%)
USD · NASDAQ

Company Information

Company Name
Oportun Financial Corp
Sector
Financial Services
Industry
Credit Services
Exchange
NASDAQ
ISIN: US68376D1046
CIK: 0001538716
CUSIP: 68376D104
Currency: USD
Full Time Employees: 1,783
Phone: 650 810 8823
Fiscal Year End: December
IPO Date: Sep 26, 2019
Description:

Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.

Address:

1825 South Grant Street, San Mateo, CA, United States, 94402

People

Directors & Officers

Name Title Year Born
Ms. Kathleen I. Layton Chief Legal Officer & Corporate Secretary 1980
Mr. Patrick Kirscht Non-Employee Advisor 1968
Mr. Douglas Bland CEO & Director 1968
Mr. Joseph A. Schueller Principal Financial Officer & Principal Accounting Officer 1978
Mr. Ryan Helwig Chief Operating Officer NA
Mr. Deepak Rao Chief Technology Officer NA
Mr. Dorian Hare Senior Vice President of Investor Relations NA
Mr. Ezra C. Garrett Senior Vice President of Public Affairs & Impact NA
Mr. Gonzalo Palacio Chief Marketing Officer NA
Mr. Gaurav Rana Senior VP & GM of Lending 1981

Insider Trading

Date Insider Name Title Transaction Type Shares Price Value
Mar 10, 2026 Kathleen I Layton N/A Sale 19.36K $4.90 $94.84K
Mar 10, 2026 Patrick Kirscht N/A Sale 54.30K $4.90 $266.07K
Sep 10, 2025 Kathleen I Layton N/A Sale 4.21K $6.64 $27.98K

Shareholders

Institutional Holders

Holder Name Shares Date Reported % Out Value % Change
Neuberger Berman Group LLC 3.81M Mar 31, 2026 8.29% $0.01 -3.23%
Forager Capital Management, LLC 3.36M Mar 31, 2026 7.32% $7.72 41.25%
BlackRock Inc 3.08M Mar 31, 2026 6.70% $0.00 -0.90%
Findell Capital Management LLC 2.75M Mar 31, 2026 5.98% $3.71 7.01%
Vanguard Group Inc 2.26M Dec 31, 2025 4.93% $0.00 7.44%
Millennium Management LLC 2.25M Mar 31, 2026 4.90% $0.00 18.62%
Vanguard Capital Management, LLC 1.63M Mar 31, 2026 3.54% $0.00 0.00%
Long Focus Capital Management, LLC 1.52M Mar 31, 2026 3.30% $0.18 0.00%
Dimensional Fund Advisors, Inc. 1.36M Mar 31, 2026 2.97% $0.00 20.79%
Simcoe Capital LLC 1.00M Mar 31, 2026 2.18% $4.24 26.00%
Two Sigma Investments LLC 961.64K Mar 31, 2026 2.09% $0.00 53.77%
Geode Capital Management, LLC 948.80K Mar 31, 2026 2.06% $0.00 -25.08%
BOOTHBAY FUND MANAGEMENT, LLC 859.33K Mar 31, 2026 1.87% $0.05 10.41%
The Goldman Sachs Group Inc 818.29K Mar 31, 2026 1.78% $0.00 103.08%
State Street Corp 752.33K Mar 31, 2026 1.64% $0.00 1.19%
Meros Investment Management, LP 726.39K Mar 31, 2026 1.58% $1.45 0.00%
AQR Capital Management LLC 688.84K Mar 31, 2026 1.50% $0.00 590.22%
Two Sigma Advisers, LLC 642.10K Dec 31, 2025 1.40% $0.01 -0.34%
Segall Bryant & Hamill 624.81K Mar 31, 2026 1.36% $0.04 -4.11%
Mackenzie Investments 488.24K Mar 31, 2026 1.06% $0.00 614.13%

Fund Holdings

Rank Holder Name Shares Held % of Shares Change Date Reported
1 Vanguard Total Stock Mkt Idx Inv 1.19M 2.60% ▲ 0.00% Jun 30, 2026
2 iShares Russell 2000 ETF 1.14M 2.47% ▲ 0.60% Jun 30, 2026
3 Avantis US Small Cap Value ETF 673.31K 1.47% ▲ 0.27% Jun 30, 2026
4 Vanguard Institutional Extnd Mkt Idx Tr 507.62K 1.10% ▲ 10.35% Jun 30, 2026
5 Fidelity Small Cap Index 399.13K 0.87% ▲ 1.81% Apr 30, 2026
6 iShares Russell 2000 Value ETF 385.19K 0.84% ▼ 0.68% Jun 30, 2026
7 U.S. Equity Small Cap Corporate Cl OF 345.91K 0.75% ▲ 0.00% Dec 31, 2025
8 Acuitas US Microcap Strategy 322.87K 0.70% ▲ 0.00% Mar 31, 2026
9 Russell 2000 Index Non-Lendable Fund 297.15K 0.65% ▲ 32.41% Jun 30, 2026
10 Russell 2000 Equity Index Fund B 297.15K 0.65% ▲ 32.41% Jun 30, 2026

Financial Highlights

Market Cap: $263.75M
EBITDA: $176.25M
P/E Ratio: $15.51
Book Value: $8.69
Earnings/Share: $0.37
Profit Margin: 2.45%
Operating Margin: 2.52%
ROA (TTM): 0.56%
ROE (TTM): 4.68%
Revenue (TTM): $727.47M
Revenue/Share (TTM): $15.51
Earnings Growth (YOY): -76.50%
Revenue Growth (YOY): 1.30%

Valuation Metrics

Enterprise Value: $2.85B
Trailing P/E: 15.51
Forward P/E: 5.06

Shares Statistics

Shares Outstanding: 45.95M
Shares Float: 29.52M
% Insiders: 611.40%
% Institutions: 8,647.60%
Short % Float: 3.98%

Stock Price History

1 Year Price History

2 Years Price History

5 Years Price History

10 Years Price History

Financial Charts

Revenue & Net Income (Yearly)

Revenue & Net Income (Quarterly)

Operating Expenses (Yearly)

Operating Expenses (Quarterly)

Balance Sheet (Quarterly)

Assets Breakdown (Yearly)

Assets Breakdown (Quarterly)

Liabilities Breakdown (Yearly)

Liabilities Breakdown (Quarterly)

Income Statement Waterfall

Open full waterfall
Line Item
Step Type
Value
Revenue
adjust
$637.34M
Cost of Goods Sold
adjust
$-231.50M
Gross Profit
subtotal
$405.84M
SG&A
adjust
$-113.93M
Other Operating Expense
adjust
$-247.83M
Operating Income
subtotal
$44.08M
Other / Non-Operating Items
adjust
$-18.83M
Net Income
subtotal
$25.25M

Earnings Per Share (EPS) History

Financial Ratios

📦 Raw API Data (JSON Explorer)

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