Oportun FinancialFRA:4L0 -2.89%50 Net Margin % is 2.47% as of Mar. 2026, which is 60% above its 10-year median of 1.54. GuruFocus rates FRA:4L0 with a GF Score™ of 50/100 and a GF Value™ of €3.52. The stock has 3 warning signs investors should review. Among 534 Credit Services companies, Oportun Financial ranks worse than 71.16% on this metric.
The historical rank and industry rank for Oportun Financial's Net Margin % or its related term are showing as below:
FRA:4L0'
s Net Margin % Range Over the Past 10 Years
Min: -64.12 Med: 1.54 Max: 26.06
Current: 4.51
FRA:4L0's Net Margin % is ranked worse than 71.16% of 534
companies
in the Credit Services industry
Industry Median: 14.52
vs FRA:4L0: 4.51
Oportun Financial (FRA:4L0) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Oportun Financial Net Margin % Related Terms
Oportun Financial Net Margin % Historical Data
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The historical data trend for Oportun Financial's Net Margin % 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.
FRA:4L0 vs MFIN, JFIN, LPRO: Net Margin % Comparison
For the Credit Services subindustry, Oportun Financial's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Oportun Financial's Net Margin % 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 (FRA:4L0) has a Net Margin % of 2.47% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Oportun Financial and its competitors. This is 60% above median its historical median of 1.54. According to the industry distribution chart, Oportun Financial ranks #380 out of 534 companies in the Credit Services industry, placing it in the top 71.2%.
Is Oportun Financial's Net Margin % too high?
Oportun Financial's current Net Margin % of 2.47% is 60% above median its 10-year median of 1.54. The Credit Services industry median Net Margin % is 14.52. Oportun Financial's value of 2.47% is 83% below this industry median. Based on the distribution chart, Oportun Financial ranks #380 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, Oportun Financial has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's Net Margin % compare to MFIN and JFIN?
According to the Credit Services industry distribution chart, Oportun Financial ranks #380 out of 534 companies for Net Margin %. This places Oportun Financial in the lower half of its industry. The industry median Net Margin % is 14.52. Oportun Financial's value of 2.47% is 83% below this benchmark. While the company's 10-year median is 1.54 vs. the industry median of 14.52, Oportun Financial has consistently been below 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 Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 14.52, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current Net Margin % of 2.47% is 83% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median Net Margin % is 14.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current Net Margin % is 2.47%, which is 60% above median its own 10-year median of 1.54. 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?
Oportun Financial (FRA:4L0) has a current Net Margin % of 2.47%. The stock's GF Value™ is €3.52, compared to a current price of €4.70 — trading 33.5% above its estimated fair value. The current Net Margin % is 2.47%, which is 60% above median its 10-year median of 1.54 and 83% below the Credit Services industry median of 14.52. Oportun Financial's overall GF Score™ is 50/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Oportun Financial (FRA:4L0), the current Net Margin % is 2.47% 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 (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:
Net Margin %: 2.47% (60% above median its 10-year median of 1.54)
GF Value™: €3.52 vs. price of €4.70 (33.5% above fair value)
Industry Position: 83% below the Credit Services median (#380 of 534)
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 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
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