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Oportun FinancialOPRT -6.98%54 Debt-to-Equity is 6.86 as of Mar. 2026, which is 59% above its 10-year median of 4.31. GuruFocus rates OPRT with a GF Score™ of 54/100 and a GF Value™ of $6.93 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 455 Credit Services companies, Oportun Financial ranks worse than 93.19% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Oportun Financial's Debt-to-Equity or its related term are showing as below:
OPRT'
s Debt-to-Equity Range Over the Past 10 Years
Min: 3.02 Med: 4.31 Max: 8.72
Current: 6.86
During the past 10 years, the highest Debt-to-Equity Ratio of Oportun Financial was 8.72. The lowest was 3.02. And the median was 4.31.
OPRT's Debt-to-Equity is ranked worse than 93.19% of 455
companies
in the Credit Services industry
Industry Median: 1.23
vs OPRT: 6.86
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Oportun Financial Debt-to-Equity Related Terms
Oportun Financial Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Oportun Financial's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
OPRT vs MFIN, PMTS, TROO: Debt-to-Equity Comparison
For the Credit Services subindustry, Oportun Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Oportun Financial Debt-to-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Oportun Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Oportun Financial (OPRT) has a Debt-to-Equity of 6.86 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Oportun Financial and its competitors. This is 59% above median its historical median of 4.31. Over the past decade, Oportun Financial's Debt-to-Equity has ranged from 3.02 to 8.72. According to the industry distribution chart, Oportun Financial ranks #424 out of 455 companies in the Credit Services industry, placing it in the top 93.2%.
Is Oportun Financial's Debt-to-Equity too high?
Oportun Financial's current Debt-to-Equity of 6.86 is 59% above median its 10-year median of 4.31. Over the past 10 years, this metric has ranged from a low of 3.02 to a high of 8.72. The Credit Services industry median Debt-to-Equity is 1.23. Oportun Financial's value of 6.86 is 457.7% above this industry median. Based on the distribution chart, Oportun Financial ranks #424 out of 455 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Oportun Financial has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's Debt-to-Equity compare to MFIN and PMTS?
According to the Credit Services industry distribution chart, Oportun Financial ranks #424 out of 455 companies for Debt-to-Equity. This places Oportun Financial in the lower half of its industry. The industry median Debt-to-Equity is 1.23. Oportun Financial's value of 6.86 is 457.7% above this benchmark. Historically, Oportun Financial's own Debt-to-Equity has ranged from 3.02 to 8.72 over the past decade. While the company's 10-year median is 4.31 vs. the industry median of 1.23, Oportun Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.23, based on 455 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current Debt-to-Equity of 6.86 is 457.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current Debt-to-Equity is 6.86, which is 59% above median its own 10-year median of 4.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oportun Financial stock overvalued right now?
Based on GuruFocus' analysis, Oportun Financial (OPRT) is currently considered Modestly Undervalued. The stock's GF Value™ is $6.93, compared to a current price of $5.99 — trading 13.6% below its estimated fair value. The current Debt-to-Equity is 6.86, which is 59% above median its 10-year median of 4.31 and 457.7% above the Credit Services industry median of 1.23. Oportun Financial's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Debt-to-Equity is 6.86 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Oportun Financial (OPRT) Overvalued in 2026?
Based on GuruFocus' analysis, Oportun Financial stock appears to be undervalued.
The current stock price of $5.99 is trading 13.6% below its estimated GF Value™ of $6.93.
GuruFocus considers Oportun Financial to be Modestly Undervalued.
Key valuation signals for OPRT:
Debt-to-Equity: 6.86 (59% above median its 10-year median of 4.31)
GF Value™: $6.93 vs. price of $5.99 (13.6% below fair value)
Industry Position: 457.7% above the Credit Services median (#424 of 455)
No single metric tells the full story. See the OPRT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oportun Financial Corp is engaged in providing financial services to people who either do not have a credit score or who may have a limited credit history. The company offers Personal Loans, Auto Loans, unsecured personal loans, and secured personal loans, and provides deposit accounts, debit card services, and other transaction services to its customers. Its product offerings include small-dollar, unsecured installment loans and other products and services.
54GF Score
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