Oportun FinancialOPRT +0.35%46 OCF Yield % is 158.79 as of Jun. 28, 2026, which is 23% above its 10-year median of 129.46. 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 540 Credit Services companies, Oportun Financial ranks better than 96.67% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Oportun Financial OCF Yield % Related Terms
Oportun Financial OCF Yield % Historical Data
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The historical data trend for Oportun Financial's OCF Yield % 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 Yield %, along with its competitors' market caps and OCF Yield % 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 Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Oportun Financial's OCF Yield % 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 Yield % of 158.79 as of Jun. 28, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Oportun Financial and its competitors. This is 23% above median its historical median of 129.46. Over the past decade, Oportun Financial's OCF Yield % has ranged from 13.85 to 473.84. According to the industry distribution chart, Oportun Financial ranks #18 out of 540 companies in the Credit Services industry, placing it in the top 3.3%.
Is Oportun Financial's OCF Yield % too high?
Oportun Financial's current OCF Yield % of 158.79 is 23% above median its 10-year median of 129.46. Over the past 10 years, this metric has ranged from a low of 13.85 to a high of 473.84. Based on the distribution chart, Oportun Financial ranks #18 out of 540 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 Yield % compare to MFIN and JFIN?
According to the Credit Services industry distribution chart, Oportun Financial ranks #18 out of 540 companies for OCF Yield %. This places Oportun Financial in the top 3% of its industry — outperforming the majority of peers. Historically, Oportun Financial's own OCF Yield % has ranged from 13.85 to 473.84 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Yield % for a Credit Services company?
A good OCF Yield % depends on the Credit Services industry context. However, OCF Yield % 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Oportun Financial and its competitors. Oportun Financial's current OCF Yield % is 158.79, which is 23% above median its own 10-year median of 129.46. 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 Yield % is 158.79, which is 23% above median its 10-year median of 129.46. 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 Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Oportun Financial (OPRT), the current OCF Yield % is 158.79 as of Jun. 28, 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 Yield %: 158.79 (23% above median its 10-year median of 129.46)
GF Value™: $4.29 vs. price of $5.73 (33.6% above fair value)
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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