OPRT (Oportun Financial) Long-Term Debt: $2,706.3 Mil (As of Mar. 2026)


OPRT Oportun Financial Corp OPRT
46 GF Score
Price $5.90
GF Value $4.28
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Oportun Financial Long-Term Debt?

Oportun Financial OPRT -0.17% 46 Long-Term Debt is $2,706.3 Mil as of Mar. 2026. GuruFocus rates OPRT with a GF Score™ of 46/100 and a GF Value™ of $4.28 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Oportun Financial's Long-Term Debt for the quarter that ended in Mar. 2026 was $2,706.3 Mil.

Oportun Financial's quarterly Long-Term Debt increased from Sep. 2025 ($2,730.5 Mil) to Dec. 2025 ($2,799.5 Mil) but then declined from Dec. 2025 ($2,799.5 Mil) to Mar. 2026 ($2,706.3 Mil).

Oportun Financial's annual Long-Term Debt declined from Dec. 2023 ($2,910.2 Mil) to Dec. 2024 ($2,804.2 Mil) and declined from Dec. 2024 ($2,804.2 Mil) to Dec. 2025 ($2,799.5 Mil).

Oportun Financial  (NAS:OPRT) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Oportun Financial Long-Term Debt Related Terms

Oportun Financial Long-Term Debt Historical Data

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The historical data trend for Oportun Financial's Long-Term Debt 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 Long-Term Debt Chart

Oportun Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,159.69 2,928.12 2,910.17 2,804.24 2,799.50

Oportun Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,790.30 2,748.53 2,730.52 2,799.50 2,706.26
OPRT
46GF Score
Oportun Financial Corp OPRT
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $2,706.3 Mil mean?
Oportun Financial (OPRT) has a Long-Term Debt of $2,706.3 Mil as of Mar. 2026.
Is Oportun Financial's Long-Term Debt too high?
Oportun Financial's current Long-Term Debt is $2,706.3 Mil. Overall, Oportun Financial has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's Long-Term Debt compare to MFIN and PMTS?
Oportun Financial's Long-Term Debt of $2,706.3 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Credit Services company?
A good Long-Term Debt depends on the Credit Services industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Oportun Financial's current Long-Term Debt is $2,706.3 Mil. 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 $4.28, compared to a current price of $5.90 — trading 37.9% above its estimated fair value. The current Long-Term Debt is $2,706.3 Mil. Oportun Financial's overall GF Score™ is 46/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Long-Term Debt is $2,706.3 Mil 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 overvalued. The current stock price of $5.90 is trading 37.9% above its estimated GF Value™ of $4.28. GuruFocus considers Oportun Financial to be Significantly Overvalued.

Key valuation signals for OPRT:

  • Long-Term Debt: $2,706.3 Mil
  • GF Value™: $4.28 vs. price of $5.90 (37.9% above fair value)
  • GF Score™: 46/100 with 3 warning signs

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 Business Description

Address 1825 South Grant Street, Suite 850, San Mateo, CA, USA, 94402
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.
46GF Score

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.90
Price
$4.28
GF Value