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Oportun FinancialOPRT -1.60%56 Earnings per Share (Diluted) is $0.37 as of Mar. 2026. GuruFocus rates OPRT with a GF Score™ of 56/100 and a GF Value™ of $7.24 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 433 Credit Services companies, Oportun Financial ranks worse than 78.98% on this metric.
Oportun Financial's EPS (Basic) for the
three
months ended in Mar. 2026 was $0.05.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $0.38.
During the past 12 months, Oportun Financial's average EPS without NRIGrowth Rate was 19.20% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -13.30% per year.
During the past 10 years, Oportun Financial's highest 3-Year average EPS without NRI Growth Rate was 10.60% per year. The lowest was -54.80% per year. And the median was -6.20% per year.
Oportun Financial (NAS:OPRT) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Oportun Financial Earnings per Share (Diluted) Related Terms
Oportun Financial Earnings per Share (Diluted) Historical Data
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The historical data trend for Oportun Financial's Earnings per Share (Diluted) 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.
Oportun Financial Earnings per Share (Diluted) Chart
OPRT vs TROO, LX, MFIN: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Oportun Financial's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's PE Ratio distribution charts can be found below:
* The bar in red indicates where Oportun Financial's PE Ratio falls into.
Oportun Financial Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Oportun Financial's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.37
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $0.37 mean?
Oportun Financial (OPRT) has a Earnings per Share (Diluted) of $0.37 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Oportun Financial and its competitors. According to the industry distribution chart, Oportun Financial ranks #342 out of 433 companies in the Credit Services industry, placing it in the top 79%.
Is Oportun Financial's Earnings per Share (Diluted) too high?
Oportun Financial's current Earnings per Share (Diluted) is $0.37. The Credit Services industry median Earnings per Share (Diluted) is 11.40. Oportun Financial's value of $0.37 is 96.8% below this industry median. Based on the distribution chart, Oportun Financial ranks #342 out of 433 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Oportun Financial has a GF Score™ of 56/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's Earnings per Share (Diluted) compare to TROO and LX?
According to the Credit Services industry distribution chart, Oportun Financial ranks #342 out of 433 companies for Earnings per Share (Diluted). This places Oportun Financial in the lower half of its industry. The industry median Earnings per Share (Diluted) is 11.40. Oportun Financial's value of $0.37 is 96.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.40, based on 433 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current Earnings per Share (Diluted) of $0.37 is 96.8% below 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current Earnings per Share (Diluted) is $0.37. 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 $7.24, compared to a current price of $5.54 — trading 23.5% below its estimated fair value. The current Earnings per Share (Diluted) is $0.37 and 96.8% below the Credit Services industry median of 11.40. Oportun Financial's overall GF Score™ is 56/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Earnings per Share (Diluted) is $0.37 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 $5.54 is trading 23.5% below its estimated GF Value™ of $7.24.
GuruFocus considers Oportun Financial to be Modestly Undervalued.
Key valuation signals for OPRT:
Earnings per Share (Diluted): $0.37
GF Value™: $7.24 vs. price of $5.54 (23.5% below fair value)
Industry Position: 96.8% below the Credit Services median (#342 of 433)
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.
56GF Score
Get the complete analysis for OPRT
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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