Oportun Financial (FRA:4L0) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 27, 2026)


FRA:4L0 Oportun Financial Corp FRA:4L0
50 GF Score
Price €4.70
GF Value €3.52
! 3 Warning Signs
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What is Oportun Financial Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Oportun Financial's Predictability Rank is Not Rated. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

FRA:4L0 vs MFIN, JFIN, LPRO: Margin of Safety % (DCF FCF Based) Comparison

For the Credit Services subindustry, Oportun Financial's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Oportun Financial's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Oportun Financial's Margin of Safety % (DCF FCF Based) falls into.


FRA:4L0
50GF Score
Oportun Financial Corp FRA:4L0
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Oportun Financial (FRA:4L0) Overvalued in 2026?

Based on GuruFocus' analysis, Oportun Financial stock appears to be overvalued. The current stock price of €4.70 is trading 33.5% above its estimated GF Value™ of €3.52.

Key valuation signals for FRA:4L0:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: €3.52 vs. price of €4.70 (33.5% above fair value)
  • GF Score™: 50/100 with 3 warning signs

No single metric tells the full story. See the FRA:4L0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Oportun Financial Business Description

Other Exchanges OPRT:USA
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.
50GF Score

Get the complete analysis for FRA:4L0

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.70
Price
€3.52
GF Value