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Oportun FinancialOPRT -0.14%52 3-Year EPS without NRI Growth Rate is -13.30% as of Jun. 2026. GuruFocus rates OPRT with a GF Score™ of 52/100 and a GF Value™ of $4.55 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 430 Credit Services companies, Oportun Financial ranks worse than 80% on this metric.
During the past 12 months, Oportun Financial's average EPS without NRI Growth Rate was 5.70% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -13.30% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 10 years, the highest 3-Year average EPS without NRI Growth Rate of Oportun Financial was 10.60% per year. The lowest was -54.80% per year. And the median was -6.20% per year.
Oportun Financial (NAS:OPRT) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Oportun Financial 3-Year EPS without NRI Growth Rate Related Terms
OPRT vs PMTS, RM, MFIN: 3-Year EPS without NRI Growth Rate Comparison
For the Credit Services subindustry, Oportun Financial's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Oportun Financial's 3-Year EPS without NRI Growth Rate falls into.
Oportun Financial 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -13.30% mean?
Oportun Financial (OPRT) has a 3-Year EPS without NRI Growth Rate of -13.30% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Oportun Financial and its competitors. According to the industry distribution chart, Oportun Financial ranks #344 out of 430 companies in the Credit Services industry, placing it in the top 80%.
Is Oportun Financial's 3-Year EPS without NRI Growth Rate too high?
Oportun Financial's current 3-Year EPS without NRI Growth Rate is -13.30%. Based on the distribution chart, Oportun Financial ranks #344 out of 430 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Oportun Financial has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's 3-Year EPS without NRI Growth Rate compare to PMTS and RM?
According to the Credit Services industry distribution chart, Oportun Financial ranks #344 out of 430 companies for 3-Year EPS without NRI Growth Rate. This places Oportun Financial in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 11.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Credit Services company?
The median 3-Year EPS without NRI Growth Rate among Credit Services companies is 11.50, based on 430 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Oportun Financial and its competitors. For the Credit Services industry, the median 3-Year EPS without NRI Growth Rate is 11.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current 3-Year EPS without NRI Growth Rate is -13.30%. 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 Significantly Overvalued. The stock's GF Value™ is $4.55, compared to a current price of $7.35 — trading 61.5% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -13.30%. Oportun Financial's overall GF Score™ is 52/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Oportun Financial (OPRT), the current 3-Year EPS without NRI Growth Rate is -13.30% as of Jun. 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 overvalued.
The current stock price of $7.35 is trading 61.5% above its estimated GF Value™ of $4.55.
GuruFocus considers Oportun Financial to be Significantly Overvalued.
Key valuation signals for OPRT:
3-Year EPS without NRI Growth Rate: -13.30%
GF Value™: $4.55 vs. price of $7.35 (61.5% above fair value)
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.
52GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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