Oportun FinancialOPRT +0.35%46 PB Ratio is 0.66 as of Jun. 28, 2026, which is 12% above its 10-year median of 0.59. 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 524 Credit Services companies, Oportun Financial ranks better than 71.37% on this metric.
The historical rank and industry rank for Oportun Financial's PB Ratio or its related term are showing as below:
OPRT'
s PB Ratio Range Over the Past 10 Years
Min: 0.17 Med: 0.59 Max: 1.54
Current: 0.66
During the past 10 years, Oportun Financial's highest PB Ratio was 1.54. The lowest was 0.17. And the median was 0.59.
OPRT's PB Ratio is ranked better than 71.37% of 524
companies
in the Credit Services industry
Industry Median: 1.07
vs OPRT: 0.66
During the past 12 months, Oportun Financial's average Book Value Per Share Growth Rate was -11.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -18.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -14.70% per year.
During the past 10 years, the highest 3-Year average Book Value Per Share Growth Rate of Oportun Financial was 78.50% per year. The lowest was -19.60% per year. And the median was -11.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Oportun Financial PB Ratio Related Terms
Oportun Financial PB Ratio Historical Data
* Premium members only.
The historical data trend for Oportun Financial's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's PB Ratio distribution charts can be found below:
* The bar in red indicates where Oportun Financial's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Oportun Financial (OPRT) has a PB Ratio of 0.66 as of Jun. 28, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oportun Financial and its competitors. This is 12% above median its historical median of 0.59. Over the past decade, Oportun Financial's PB Ratio has ranged from 0.17 to 1.54. According to the industry distribution chart, Oportun Financial ranks #150 out of 524 companies in the Credit Services industry, placing it in the top 28.6%.
Is Oportun Financial's PB Ratio too high?
Oportun Financial's current PB Ratio of 0.66 is 12% above median its 10-year median of 0.59. Over the past 10 years, this metric has ranged from a low of 0.17 to a high of 1.54. The Credit Services industry median PB Ratio is 1.07. Oportun Financial's value of 0.66 is 38.3% below this industry median. Based on the distribution chart, Oportun Financial ranks #150 out of 524 companies in the Credit Services industry, which is above the industry midpoint. 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 PB Ratio compare to MFIN and JFIN?
According to the Credit Services industry distribution chart, Oportun Financial ranks #150 out of 524 companies for PB Ratio. This puts Oportun Financial in the upper half of its industry. The industry median PB Ratio is 1.07. Oportun Financial's value of 0.66 is 38.3% below this benchmark. Historically, Oportun Financial's own PB Ratio has ranged from 0.17 to 1.54 over the past decade. While the company's 10-year median is 0.59 vs. the industry median of 1.07, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.07, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current PB Ratio of 0.66 is 38.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median PB Ratio is 1.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current PB Ratio is 0.66, which is 12% above median its own 10-year median of 0.59. 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 PB Ratio is 0.66, which is 12% above median its 10-year median of 0.59 and 38.3% below the Credit Services industry median of 1.07. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Oportun Financial (OPRT), the current PB Ratio is 0.66 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:
PB Ratio: 0.66 (12% above median its 10-year median of 0.59)
GF Value™: $4.29 vs. price of $5.73 (33.6% above fair value)
Industry Position: 38.3% below the Credit Services median (#150 of 524)
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
Get the complete analysis for OPRT
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
OPRT has been successfully added to your 
