Oportun FinancialOPRT +0.35%46 OCF Margin % is 109.31% as of Mar. 2026, which is 139% above its 10-year median of 45.71. GuruFocus rates OPRT with a GF Score™ of 46/100 and a GF Value™ of $4.29 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 530 Credit Services companies, Oportun Financial ranks better than 90% on this metric.
The historical rank and industry rank for Oportun Financial's OCF Margin % or its related term are showing as below:
OPRT'
s OCF Margin % Range Over the Past 10 Years
Min: 29.22 Med: 45.71 Max: 139.94
Current: 105.38
During the past 10 years, the highest OCF Margin % of Oportun Financial was 139.94%. The lowest was 29.22%. And the median was 45.71%.
OPRT's OCF Margin % is ranked better than 90% of 530
companies
in the Credit Services industry
Industry Median: 2.405
vs OPRT: 105.38
Oportun Financial OCF Margin % Related Terms
Oportun Financial OCF Margin % Historical Data
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The historical data trend for Oportun Financial's OCF 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.
For the Credit Services subindustry, Oportun Financial's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Oportun Financial's OCF 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 (OPRT) has a OCF Margin % of 109.31% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Oportun Financial and its competitors. This is 139% above median its historical median of 45.71. Over the past decade, Oportun Financial's OCF Margin % has ranged from 29.22 to 139.94. According to the industry distribution chart, Oportun Financial ranks #53 out of 530 companies in the Credit Services industry, placing it in the top 10%.
Is Oportun Financial's OCF Margin % too high?
Oportun Financial's current OCF Margin % of 109.31% is 139% above median its 10-year median of 45.71. Over the past 10 years, this metric has ranged from a low of 29.22 to a high of 139.94. The Credit Services industry median OCF Margin % is 2.41. Oportun Financial's value of 109.31% is 4445.1% above this industry median. Based on the distribution chart, Oportun Financial ranks #53 out of 530 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 OCF Margin % compare to MFIN and JFIN?
According to the Credit Services industry distribution chart, Oportun Financial ranks #53 out of 530 companies for OCF Margin %. This places Oportun Financial in the top 10% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 2.41. Oportun Financial's value of 109.31% is 4445.1% above this benchmark. Historically, Oportun Financial's own OCF Margin % has ranged from 29.22 to 139.94 over the past decade. While the company's 10-year median is 45.71 vs. the industry median of 2.41, Oportun Financial has consistently been above 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 OCF Margin % for a Credit Services company?
The median OCF Margin % among Credit Services companies is 2.41, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current OCF Margin % of 109.31% is 4445.1% above 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median OCF Margin % is 2.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current OCF Margin % is 109.31%, which is 139% above median its own 10-year median of 45.71. 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 $4.29, compared to a current price of $5.73 — trading 33.6% above its estimated fair value. The current OCF Margin % is 109.31%, which is 139% above median its 10-year median of 45.71 and 4445.1% above the Credit Services industry median of 2.41. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Oportun Financial (OPRT), the current OCF Margin % is 109.31% 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 $5.73 is trading 33.6% above its estimated GF Value™ of $4.29.
GuruFocus considers Oportun Financial to be Significantly Overvalued.
Key valuation signals for OPRT:
OCF Margin %: 109.31% (139% above median its 10-year median of 45.71)
GF Value™: $4.29 vs. price of $5.73 (33.6% above fair value)
Industry Position: 4445.1% above the Credit Services median (#53 of 530)
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.
46GF Score
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