OPRT Oportun Financial Corporation - common stock
NASDAQ · Financial Services · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$8.35
· of 52w range
· above low
· to high
$4.0352w low
$8.6652w high
Market Cap (MRQ)
$384M
P/E (TTM)
20.9
EPS (TTM)
$0.40
Revenue (TTM)
$948M
your badges
52W Range
$4–$9
Analyst Rating
STRONG BUY
Price Target
$10
P/E
20.9
ROE
5.0%
Net Profit Margin
2.1%
Your badge strip is empty — pin a metric anywhere on this page.
OPRT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$8.35
Market Cap (MRQ)
$384M
P/E (TTM)
20.9
EPS (TTM)
$0.40
Revenue (TTM)
$948M
ROE (TTM)
5.0%
52W Range
$4–$9
OPRT Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
range
bars
Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$957M2017-12-31 → 2025-12-31
EPS$0.532017-12-31 → 2025-12-31
Free Cash Flow·2019-12-31 → 2022-12-31
Net margin2.1%2019-12-31 → 2022-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | OPRT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 20.95Y avg ≈3.6 | ≈3.6 | 9.5 | Overvalued | |
| P/S (TTM) | 0.4 | · | 0.5 | Undervalued | |
| P/B (MRQ) | 0.9 | · | 0.8 | Undervalued | |
| Price / Tangible Book (MRQ) | 1.15Y avg ≈0.6 | ≈0.6 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | OPRT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 4.2% | · | 6.7% | In line | |
| Net Profit Margin (TTM) | 2.1% | · | 4.9% | Weak | |
| ROA (TTM) | 0.62% | · | 2.2% | Weak | |
| ROE (TTM) | 5.0% | · | 12.5% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | OPRT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -4.5%5Y avg ≈12.1% | ≈12.1% | · | · | |
| Revenue CAGR 3Y | 0.14%5Y avg ≈13.0% | ≈13.0% | · | · | |
| Revenue CAGR 5Y | 10.4% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | OPRT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue / Employee | ≈$397.8K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
112.3%
Next Report
Nov 02, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Aug 12, 2026 | $0.42 | $0.33 | 26.1% |
| March 31, 2026 | May 11, 2026 | $0.21 | $0.17 | 24.3% |
| Dec. 31, 2025 | $0.27 | $0.24 | 10.3% | |
| Sept. 30, 2025 | $0.39 | $0.27 | 42.1% | |
| June 30, 2025 | $0.31 | $0.23 | 32.9% | |
| March 31, 2025 | $0.40 | $0.06 | 538.0% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $957M | $1.00B | $1.06B | $953M | $627M | $584M | $600M | $498M | |
| SG&A Expense | $34M | $53M | $72M | $59M | $37M | $20M | $15M | $11M | |
| Operating Expenses | $362M | $410M | $534M | $716M | · | · | · | · | |
| Pretax Income | $44M | $-115M | $-254M | $-75M | $63M | $-58M | $84M | $170M | |
| Income Tax | $19M | $-36M | $-74M | $2M | $15M | $-13M | $23M | $47M | |
| Net Income | $25M | $-79M | $-180M | $-78M | $47M | $-45M | $62M | $123M | |
| EPS (Basic) | $0.54 | $-1.95 | $-4.88 | $-2.37 | $1.68 | $-1.65 | $0.46 | $6.42 | |
| EPS (Diluted) | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 | $-1.65 | $0.40 | $4.47 | |
| Shares (Basic) | 46,418,934 | 40,356,025 | 36,875,950 | 32,825,772 | 28,191,610 | 27,333,271 | 9,347,103 | 2,585,405 | |
| Shares (Diluted) | 47,858,631 | 40,356,025 | 36,875,950 | 32,825,772 | 30,323,194 | 27,333,271 | 10,761,852 | 3,715,103 | |
| EBITDA | · | · | · | $48M | $27M | $20M | $14M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $106M | $60M | $91M | $99M | $131M | $136M | $72M | $70M | |
| PP&E (Net) | $2M | $3M | $7M | $11M | $10M | $16M | $23M | $23M | |
| PP&E (Gross) | $41M | $41M | $49M | $48M | $44M | $54M | $54M | $46M | |
| Accum. Depreciation | $39M | $38M | $42M | $38M | $34M | $38M | $31M | $23M | |
| Goodwill | · | · | · | $0 | $104M | $0 | · | · | |
| Intangibles | $72M | $20M | $27M | $36M | $44M | $64.0K | · | · | |
| Total Assets | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B | $2.01B | $2.20B | $1.74B | |
| Deferred Tax | · | · | $0 | $31M | $28M | $11M | $25M | $14M | |
| Total Liabilities | $2.87B | $2.87B | $3.01B | $3.07B | $2.34B | $1.54B | $1.71B | $1.39B | |
| Long-term Debt | · | · | · | · | $114M | · | · | · | |
| Common Stock | $8.0K | $7.0K | $7.0K | $7.0K | $6.0K | $6.0K | $6.0K | $3.0K | |
| Retained Earnings | $-227M | $-253M | $-174M | $6M | $84M | $36M | $77M | $53M | |
| Treasury Stock | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $8M | |
| AOCI | · | · | · | · | · | $-261.0K | $-162.0K | $-132.0K | |
| Stockholders' Equity | $390M | $354M | $404M | $548M | $604M | $467M | $489M | $347M | |
| Liabilities + Equity | $3.26B | $3.23B | $3.41B | $3.61B | $2.95B | $2.01B | $2.20B | $1.74B | |
| Shares Outstanding | 44,437,042 | 36,111,856 | 34,469,053 | 33,354,607 | 32,004,396 | 27,679,263 | 27,003,157 | 2,935,249 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $41M | $51M | $55M | $48M | $27M | $20M | $14M | $12M | |
| Stock-based Comp | $11M | $13M | $19M | $28M | $19M | $19M | $19M | $7M | |
| Deferred Tax | · | · | · | $0 | $16M | $-14M | $10M | $42M | |
| Amort. of Intangibles | $5M | $8M | $8M | $8M | $300.0K | $0 | · | · | |
| Other Non-cash | · | · | · | $250M | $54M | $173M | $113M | · | |
| Operating Cash Flow | $413M | $394M | $393M | $248M | $163M | $153M | $218M | $138M | |
| CapEx | · | · | · | $6M | $12M | $5M | $9M | $15M | |
| Investing Cash Flow | $-370M | $-194M | $-286M | $-1.17B | $-885M | $16M | $-498M | $-471M | |
| Financing Cash Flow | $-59M | $-191M | $-104M | $935M | $746M | $-137M | $286M | $368M | |
| Net Change in Cash | $-16M | $9M | $2M | $11M | $24M | $32M | $7M | $35M | |
| Taxes Paid | $3M | $1M | $-2M | $-3M | $4M | $3M | $3M | $20M | |
| Free Cash Flow | · | · | · | $242M | $151M | $148M | $209M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | · | · | · | -8.2% | 7.6% | -7.7% | 10.3% | · | |
| Pretax Margin | · | · | · | -7.9% | 10.0% | -10.0% | 14.1% | · | |
| EBITDA Margin | · | · | · | 5.0% | 4.3% | 3.5% | 2.4% | · | |
| ROA | · | · | · | -2.4% | 1.9% | -2.1% | 3.1% | · | |
| ROE | · | · | · | -14.2% | 8.5% | -9.4% | 14.8% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | · | · | · | 0.3 | 0.3 | 0.3 | 0.3 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | · | · | · | $16.42 | $18.87 | $16.85 | $18.10 | · | |
| Revenue / Share | · | · | · | $29.02 | $20.67 | $21.36 | $55.77 | · | |
| Cash Flow / Share | · | · | · | $7.55 | $5.39 | $5.59 | $20.29 | · | |
| Cash / Share | · | · | · | $2.96 | $4.09 | $4.92 | $2.67 | · | |
| EPS (TTM) | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 | $-1.65 | $0.40 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -4.5% | -5.2% | 11.0% | 52.0% | 7.4% | · | · | · | |
| Revenue CAGR 3Y | 0.14% | 16.9% | 21.9% | · | · | · | · | · | |
| Revenue CAGR 5Y | 10.4% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $957M | $1.00B | $1.06B | $953M | $627M | $584M | $600M | · | |
| Net Income TTM | $25M | $-79M | $-180M | $-78M | $47M | $-45M | $62M | · | |
| Market Cap | · | · | · | $184M | $648M | $536M | $643M | · | |
| P/E | 10.0 | -2.0 | -0.8 | -2.3 | 13.0 | -11.7 | 59.5 | · | |
| P/S | · | · | · | 0.2 | 1.0 | 0.9 | 1.1 | · | |
| P/B | · | · | · | 0.3 | 1.1 | 1.1 | 1.3 | · | |
| P / Tangible Book | 0.6 | 0.4 | 0.4 | 0.4 | 1.4 | 1.1 | · | · | |
| P / Cash Flow | · | · | · | 0.7 | 4.0 | 3.5 | 2.9 | · | |
| P / FCF | · | · | · | 0.8 | 4.3 | 3.6 | 3.1 | · | |
| Earnings Yield | 10.0% | -50.3% | -124.8% | -43.0% | 7.7% | -8.5% | 1.7% | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $233M | $229M | $248M | $239M | $234M | $236M | $251M | $250M | $250M | $250M | $263M | $268M | $267M | $260M | $262M | $250M | |
| SG&A Expense | $6M | $7M | $6M | $11M | $10M | $7M | $6M | $13M | $22M | $12M | $20M | $12M | $21M | $19M | $14M | $14M | |
| Operating Expenses | $90M | $91M | $84M | $91M | $94M | $93M | $89M | $102M | $109M | $110M | $129M | $123M | $136M | $146M | $151M | $259M | |
| Pretax Income | $16M | $4M | $7M | $14M | $10M | $13M | $4M | $-39M | $-49M | $-30M | $-57M | $-37M | $-17M | $-142M | $-8M | $-112M | |
| Income Tax | $7M | $1M | $3M | $9M | $3M | $3M | $-5M | $-10M | $-18M | $-4M | $-15M | $-16M | $-3M | $-39M | $502.0K | $-7M | |
| Net Income | $9M | $2M | $3M | $5M | $7M | $10M | $9M | $-30M | $-31M | $-26M | $-42M | $-21M | $-15M | $-102M | $-8M | $-106M | |
| EPS (Basic) | $0.18 | $0.05 | $0.07 | $0.11 | $0.15 | $0.21 | $0.26 | $-0.75 | $-0.78 | $-0.68 | $-0.92 | $-0.55 | $-0.41 | $-3.00 | $-0.30 | $-3.21 | |
| EPS (Diluted) | $0.17 | $0.05 | $0.07 | $0.11 | $0.14 | $0.21 | $0.26 | $-0.75 | $-0.78 | $-0.68 | $-0.92 | $-0.55 | $-0.41 | $-3.00 | $-0.25 | $-3.21 | |
| Shares (Basic) | 48,419,607 | 47,436,155 | · | 46,711,134 | 46,571,524 | 45,496,705 | · | 39,964,322 | 39,816,996 | 38,900,876 | · | 38,283,071 | 36,691,291 | 33,979,050 | · | 33,010,107 | |
| Shares (Diluted) | 49,396,024 | 48,498,763 | · | 48,310,110 | 47,893,172 | 47,037,799 | · | 39,964,322 | 39,816,996 | 38,900,876 | · | 38,283,071 | 36,691,291 | 33,979,050 | · | 33,010,107 | |
| EBITDA | · | $9M | · | · | · | $11M | · | · | · | $13M | · | · | · | $13M | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $140M | $130M | $106M | $105M | $97M | $79M | $60M | $72M | $73M | $69M | $91M | $82M | $73M | $74M | $99M | $176M | |
| PP&E (Net) | $2M | $2M | $2M | $2M | $2M | $3M | $3M | $4M | $5M | $6M | $7M | $8M | $9M | $10M | $11M | $9M | |
| PP&E (Gross) | $41M | $41M | $41M | $41M | $41M | $41M | $41M | $42M | $43M | $48M | $49M | $49M | $49M | $49M | $48M | $46M | |
| Accum. Depreciation | $40M | $40M | $39M | $39M | $39M | $38M | $38M | $39M | $38M | $42M | $42M | $41M | $40M | $39M | $38M | $36M | |
| Goodwill | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0 | |
| Intangibles | $67M | $14M | $15M | $16M | $17M | $19M | $20M | $22M | $24M | $26M | $27M | $29M | $31M | $33M | $36M | $38M | |
| Total Assets | $3.13B | $3.17B | $3.26B | $3.19B | $3.20B | $3.23B | $3.23B | $3.25B | $3.25B | $3.28B | $3.41B | $3.43B | $3.47B | $3.50B | $3.61B | $3.54B | |
| Deferred Tax | · | · | · | · | · | · | · | · | · | · | · | $0 | $5M | $5M | $31M | $40M | |
| Total Liabilities | $2.72B | $2.77B | $2.87B | $2.80B | $2.83B | $2.86B | $2.87B | $2.92B | $2.90B | $2.90B | $3.01B | $2.99B | $3.01B | $3.05B | $3.07B | $2.99B | |
| Long-term Debt | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $242M | |
| Common Stock | $8.0K | $8.0K | $8.0K | $8.0K | $8.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | $7.0K | |
| Retained Earnings | $-216M | $-225M | $-227M | $-231M | $-236M | $-243M | $-253M | $-261M | $-231M | $-200M | $-174M | $-132M | $-111M | $-96M | $6M | $15M | |
| Treasury Stock | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | $6M | |
| Stockholders' Equity | $407M | $396M | $390M | $384M | $376M | $366M | $354M | $328M | $354M | $382M | $404M | $441M | $458M | $456M | $548M | $549M | |
| Liabilities + Equity | $3.13B | $3.17B | $3.26B | $3.19B | $3.20B | $3.23B | $3.23B | $3.25B | $3.25B | $3.28B | $3.41B | $3.43B | $3.47B | $3.50B | $3.61B | $3.54B | |
| Shares Outstanding | 45,950,033 | 45,602,791 | 44,437,042 | 44,091,945 | 44,009,399 | 37,501,165 | 36,111,856 | 35,971,037 | 35,722,721 | 35,589,254 | 34,469,053 | 34,230,172 | 34,027,343 | 33,884,346 | 33,354,607 | 33,188,138 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $9M | $9M | $9M | $10M | $11M | $11M | $11M | $13M | $13M | $13M | $14M | $14M | $14M | $13M | $13M | $12M | |
| Stock-based Comp | $3M | $4M | $3M | $2M | $3M | $3M | $3M | $3M | $3M | $4M | $5M | $4M | $4M | $5M | $7M | $7M | |
| Amort. of Intangibles | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | |
| Other Non-cash | · | $88M | · | · | · | $77M | · | · | · | $95M | · | · | · | $161M | · | · | |
| Operating Cash Flow | $109M | $104M | $109M | $99M | $105M | $101M | $91M | $108M | $108M | $86M | $106M | $107M | $103M | $77M | $89M | $68M | |
| Investing Cash Flow | $-50M | $8M | $-189M | $-73M | $-52M | $-56M | $-56M | $-110M | $-63M | $36M | $-97M | $-85M | $-64M | $-40M | $-256M | $-278M | |
| Financing Cash Flow | $-57M | $-101M | $55M | $-31M | $-55M | $-29M | $-49M | $-6M | $-4M | $-132M | $-3M | $-24M | $-38M | $-39M | $99M | $349M | |
| Net Change in Cash | $3M | $11M | $-25M | $-4M | $-3M | $16M | $-14M | $-8M | $40M | $-9M | $6M | $-3M | $414.0K | $-2M | $-68M | $138M | |
| Taxes Paid | $1M | $512.0K | $1M | $386.0K | $1M | $317.0K | $487.0K | $-270.0K | $2M | $-680.0K | $-3M | $249.0K | $864.0K | $307.0K | $487.0K | $-567.0K |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 3.7% | 1.0% | · | 2.2% | 2.9% | 4.1% | · | -12.0% | -12.4% | -10.6% | · | -7.9% | -5.6% | -39.3% | · | -42.3% | |
| Pretax Margin | 6.7% | 1.6% | · | 6.0% | 4.3% | 5.6% | · | -15.8% | -19.6% | -12.2% | · | -13.9% | -6.6% | -54.5% | · | -44.9% | |
| EBITDA Margin | · | 3.9% | · | · | · | 4.7% | · | · | · | 5.3% | · | · | · | 5.2% | · | · | |
| ROA | 0.27% | 0.07% | · | 0.16% | 0.21% | 0.30% | · | -0.90% | -0.92% | -0.78% | · | -0.61% | -0.44% | -3.1% | · | -3.6% | |
| ROE | 2.2% | 0.62% | · | 1.5% | 1.9% | 2.6% | · | -7.8% | -7.6% | -6.3% | · | -4.3% | -2.7% | -18.5% | · | -20.0% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 | 0.1 | 0.1 | · | 0.1 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $8.86 | $8.69 | · | $8.71 | $8.54 | $9.76 | · | $9.11 | $9.91 | $10.73 | · | $12.89 | $13.47 | $13.46 | · | $16.55 | |
| Revenue / Share | $4.72 | $4.72 | · | $4.94 | $4.89 | $5.02 | · | $6.25 | $6.29 | $6.44 | · | $7.01 | $7.26 | $7.64 | · | $7.58 | |
| Cash Flow / Share | · | $2.14 | · | · | · | $2.15 | · | · | · | $2.21 | · | · | · | $2.26 | · | · | |
| Cash / Share | $3.04 | $2.86 | · | $2.37 | $2.20 | $2.09 | · | $2.00 | $2.04 | $1.94 | · | $2.39 | $2.16 | $2.19 | · | $5.30 | |
| EPS (TTM) | $0.40 | $0.37 | · | $0.72 | $-0.14 | $-1.06 | · | $-3.13 | $-2.93 | $-2.56 | · | $-4.21 | $-6.87 | $-6.74 | · | $-1.65 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $948M | $950M | · | $960M | $971M | $987M | · | $1.01B | $1.03B | $1.05B | · | $1.06B | $1.04B | $997M | · | $885M | |
| Net Income TTM | $19M | $18M | · | $31M | $-5M | $-42M | · | $-129M | $-120M | $-104M | · | $-147M | $-231M | $-225M | · | $-55M | |
| Market Cap | $262M | $210M | · | $272M | $315M | $206M | · | $101M | $104M | $86M | · | $247M | $203M | $131M | · | $145M | |
| P/E | 14.3 | 12.5 | · | 8.6 | -51.1 | -5.2 | · | -0.9 | -1.0 | -0.9 | · | -1.7 | -0.9 | -0.6 | · | -2.6 | |
| P/S | 0.3 | 0.2 | · | 0.3 | 0.3 | 0.2 | · | 0.1 | 0.1 | 0.1 | · | 0.2 | 0.2 | 0.1 | · | 0.2 | |
| P/B | 0.6 | 0.5 | · | 0.7 | 0.8 | 0.6 | · | 0.3 | 0.3 | 0.2 | · | 0.6 | 0.4 | 0.3 | · | 0.3 | |
| P / Tangible Book | 0.8 | 0.5 | · | 0.7 | 0.9 | 0.6 | · | 0.3 | 0.3 | 0.2 | · | 0.6 | 0.5 | 0.3 | · | 0.3 | |
| P / Cash Flow | · | 2.0 | · | · | · | 2.0 | · | · | · | 1.0 | · | · | · | 1.7 | · | · | |
| Earnings Yield | 7.0% | 8.0% | · | 11.7% | -2.0% | -19.3% | · | -111.4% | -101.0% | -105.4% | · | -58.3% | -115.1% | -174.6% | · | -37.8% |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $957M | $1.00B | $1.06B | $953M | $627M |
| Net Income | $25M | $-79M | $-180M | $-78M | $47M |
| Diluted EPS | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | · | · | · | $242M | $151M |
Institutional owners (13F) 143 filers · $232.2M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
143
Value held
$232.2M
New positions
23
Exited positions
12
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 23 (-13 vs prior Q) | 12 (-14 vs prior Q) | 61 (+22 vs prior Q) | 33 (-5 vs prior Q) | +2.8M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| Forager Capital Management, LLC | $25,763,777 | 4,512,045 | 11.10% | Shares |
| NEUBERGER BERMAN GROUP LLC | $22,229,173 | 3,893,025 | 9.57% | Shares |
| BlackRock, Inc. | $19,244,025 | 3,370,232 | 8.29% | Shares |
| FINDELL CAPITAL MANAGEMENT LLC | $15,978,293 | 2,798,300 | 6.88% | Shares |
| VANGUARD GROUP INC | $11,972,703 | 2,263,271 | 5.16% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $9,946,951 | 1,742,023 | 4.28% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $9,500,588 | 1,663,841 | 4.09% | Shares |
| Long Focus Capital Management, LLC | $8,655,087 | 1,515,777 | 3.73% | Shares |
| GOLDMAN SACHS GROUP INC | $7,343,819 | 1,286,133 | 3.16% | Shares |
| Simcoe Capital LLC | $6,476,265 | 1,134,197 | 2.79% | Shares |
| Meros Investment Management, LP | $6,425,069 | 1,125,231 | 2.77% | Shares |
| BOOTHBAY FUND MANAGEMENT, LLC | $6,292,020 | 1,101,930 | 2.71% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $6,178,027 | 1,081,651 | 2.66% | Shares |
| TWO SIGMA INVESTMENTS, LP | $5,501,928 | 963,560 | 2.37% | Shares |
| MILLENNIUM MANAGEMENT LLC | $5,401,586 | 945,987 | 2.33% | Shares |
| AMERICAN CENTURY COMPANIES INC | $4,698,650 | 822,881 | 2.02% | Shares |
| STATE STREET CORP | $4,552,332 | 797,256 | 1.96% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $4,298,248 | 752,758 | 1.85% | Shares |
| MACKENZIE FINANCIAL CORP | $3,749,723 | 656,694 | 1.62% | Shares |
| TWO SIGMA ADVISERS, LP | $3,396,709 | 642,100 | 1.46% | Shares |
| CITADEL ADVISORS LLC | $2,950,488 | 516,723 | 1.27% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,328,721 | 407,832 | 1.00% | Shares |
| Trexquant Investment LP | $2,236,664 | 391,710 | 0.96% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2,001,818 | 350,581 | 0.86% | Shares |
| NORTHERN TRUST CORP | $1,890,901 | 331,156 | 0.81% | Shares |
| Summa Corp. | $1,674,549 | 293,266 | 0.72% | Shares |
| Berger Financial Group, Inc | $1,661,845 | 291,041 | 0.72% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,606,520 | 281,352 | 0.69% | Shares |
| LAZARD ASSET MANAGEMENT LLC | $1,594,426 | 279,234 | 0.69% | Shares |
| JANE STREET GROUP, LLC | $1,263,503 | 221,279 | 0.54% | Shares |
| Bank of New York Mellon Corp | $1,229,581 | 215,338 | 0.53% | Shares |
| Empowered Funds, LLC | $1,161,859 | 203,478 | 0.50% | Shares |
| Cubist Systematic Strategies, LLC | $1,149,138 | 186,246 | 0.49% | Shares |
| Union Square Park Capital Management, LLC | $1,142,000 | 200,000 | 0.49% | Shares |
| JPMORGAN CHASE & CO | $987,090 | 172,267 | 0.43% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $949,316 | 166,255 | 0.41% | Shares |
| MYDA Advisors LLC | $851,441 | 149,114 | 0.37% | Shares |
| Vanguard Global Advisers, LLC | $850,362 | 148,925 | 0.37% | Shares |
| BANK OF AMERICA CORP /DE/ | $840,147 | 147,136 | 0.36% | Shares |
| EMG Holdings, L.P. | $794,101 | 139,072 | 0.34% | Shares |
| Arbiter Partners Capital Management LLC | $697,225 | 122,106 | 0.30% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $642,838 | 112,581 | 0.28% | Shares |
| BARCLAYS PLC | $594,793 | 104,167 | 0.26% | Shares |
| Nuveen, LLC | $555,486 | 97,283 | 0.24% | Shares |
| Man Group plc | $544,506 | 95,360 | 0.23% | Shares |
| ALGERT GLOBAL LLC | $538,630 | 94,331 | 0.23% | Shares |
| MORGAN STANLEY | $508,990 | 89,140 | 0.22% | Shares |
| Point72 Asset Management, L.P. | $501,526 | 87,833 | 0.22% | Shares |
| Invesco Ltd. | $483,318 | 84,644 | 0.21% | Shares |
| GLOBEFLEX CAPITAL L P | $467,078 | 81,800 | 0.20% | Shares |
Activists & 5%+ owners 4 positions
Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.
| Filer | Filed | Stake | Status | Purpose | Filing |
|---|---|---|---|---|---|
| Findell Capital Partners LP, Finn Management GP LLC, FINDELL CAPITAL MANAGEMENT LLC, Finn Brian, Warren Wilcox ×5 filings | July 15, 2025 | 6.90% | Amendment | · | SEC |
| NB Alternatives Advisers LLC | May 28, 2025 | 9.90% | Amendment | · | SEC |
| Undisclosed reporting person | Nov. 20, 2024 | · | Initial filing | Passive investment | SEC |
| FINDELL CAPITAL PARTNERS, LP, FINN MANAGEMENT GP LLC, FINDELL CAPITAL MANAGEMENT LLC, BRIAN A. FINN ×6 filings | May 14, 2024 | · | Initial filing | · | SEC |
Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.
Company insiders 27 insiders · 11 officers · 18 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Douglas K Bland | Chief Executive Officer | June 10, 2026 A | 463,822 | 0 | 0 | $0 |
| Raul Vazquez | Chief Executive Officer | March 10, 2026 F | 1,328,298 | 0 | 0 | $0 |
| Jonathan Aaron Coblentz | CFO & Chief Admin Officer | March 10, 2025 F | 220,509 | 0 | 0 | $0 |
| Matthew Wayne Jenkins | COO & GM, Personal-Auto Loans | Dec. 6, 2023 A | 213,260 | 0 | 0 | $0 |
| Joseph Andrew Schueller | SVP-Controller, CAO | Sept. 11, 2026 S | 71,121 | 0 | 2 | $-22,300 |
| Sean A Rowles | Chief Risk Officer | Sept. 10, 2026 A | 382,653 | 0 | 0 | $0 |
| Kathleen I. Layton | Chief Legal Officer | Sept. 10, 2026 S | 292,006 | 0 | 4 | $-127,778 |
| Patrick Kirscht | Chief Credit Officer | March 10, 2026 A | 514,665 | 0 | 4 | $-266,065 |
| Casey Mueller | Global Controller and PAO | March 10, 2025 S | 171,693 | 0 | 0 | $0 |
| Joan Aristei | GC & Chief Risk Officer | July 14, 2023 F | 114,114 | 0 | 0 | $0 |
| David Anthony Needham | Chief Product Officer | March 11, 2022 M | 104,071 | 0 | 0 | $0 |
| Scott Scheirman | Director | Aug. 19, 2026 A | 20,869 | 0 | 0 | $0 |
| Ginny Lee | Director | Aug. 11, 2026 A | 121,387 | 0 | 0 | $0 |
| Mohit Daswani | Director | Aug. 11, 2026 A | 80,883 | 0 | 0 | $0 |
| Louis Miramontes | Director | Aug. 11, 2026 A | 118,972 | 0 | 0 | $0 |
| Richard N. Tambor | Director | Aug. 11, 2026 A | 25,392 | 0 | 0 | $0 |
| Carlos Minetti | Director | Aug. 11, 2026 A | 88,463 | 0 | 0 | $0 |
| WILCOX WARREN | Director | Aug. 11, 2026 A | 38,910 | 0 | 0 | $0 |
| Sandra Adele Smith | Director | July 18, 2025 A | 80,740 | 0 | 0 | $0 |
| Jo Ann Barefoot | Director | July 18, 2025 A | 95,643 | 0 | 0 | $0 |
| Neil R Williams | Director | Dec. 11, 2024 P | 140,338 | 0 | 0 | $0 |
| Scott T Parker | Director | June 26, 2024 A | 50,104 | 0 | 0 | $0 |
| Carl Pascarella | Director | Dec. 31, 2023 A | 200,829 | 0 | 0 | $0 |
| Frederic Welts | Director | June 30, 2023 A | 30,601 | 0 | 0 | $0 |
| David N Strohm | Director | June 30, 2023 A | 51,342 | 0 | 0 | $0 |
| Roy Banks | Director | June 6, 2023 A | 35,963 | 0 | 0 | $0 |
| Aida Alvarez | Director | June 14, 2022 A | 31,425 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 20 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| VFVA · VANGUARD WELLINGTON FUND | 0.09% | 127,634 SH | Aug. 19, 2026 | Daily |
| IWC · iShares Trust | 0.08% | 141,917 SH | Sept. 11, 2026 | Daily |
| HAPS · Harbor ETF Trust | 0.04% | 13,256 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 36,436 SH | Aug. 19, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.02% | 65,383 SH | Oct. 1, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.02% | 224,126 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 1,109,228 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 240,926 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 224,631 NS | July 31, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 19,946 NS | July 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 147,287 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 5,916 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 78,034 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 2,843 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 6,091 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 507,616 SH | Aug. 19, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 1,194,820 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 2,836 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 16 NS | July 31, 2026 | N-PORT |
| IWN · iShares Trust | · | 385,487 SH | Sept. 11, 2026 | Daily |
OPRT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 12 analysts
BUY
Median target
$10.00
+19.8%
4 33.3%
Strong Buy
4 33.3%
Buy
4 33.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
4 analysts · 2026-09-29Mean target $9.75 +16.8%
Now
Current price $8.35
Low$6.00
Mean$9.75
High$13.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| OPRT | · | 10.0 | -4.5% | · | · | · |
| WRLD | · | 19.6 | 3.7% | · | · | · |
| PRAA | $680M | -2.3 | 7.8% | -25.4% | -28.9% | · |
| GDOT | · | · | 20.7% | · | · | · |
| NRDS | $966M | 21.2 | 21.7% | 5.8% | 12.7% | · |
| OPFI | · | 10.6 | · | · | 57.7% | · |
| KPLT | · | · | · | · | · | · |
| TREE | $731M | 4.9 | 24.1% | 13.5% | 74.7% | 31.5% |
| RM | $370M | 8.7 | 9.7% | 6.9% | 12.1% | · |
| MFIN | · | · | · | · | · | · |
| CPSS | $204M | 11.7 | 10.4% | 4.5% | 12.5% | · |
Latest News Recent headlines mentioning this company
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
Your selection is saved and follows you across all tickers.
Source: SEC 10-Q filed Aug 6, 2026