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Oportun FinancialOPRT -0.27%50 3-1 Month Momentum % is 22.88% as of Sep. 04, 2026. GuruFocus rates OPRT with a GF Score™ of 50/100 and a GF Value™ of $4.54 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 564 Credit Services companies, Oportun Financial ranks better than 86.7% on this metric.
3-1 Month Momentum % is the total return of the stock from 3-month ago to 1-month ago. As of today (2026-09-04), Oportun Financial's 3-1 Month Momentum % is 22.88%.
The industry rank for Oportun Financial's 3-1 Month Momentum % or its related term are showing as below:
OPRT's 3-1 Month Momentum % is ranked better than 86.7% of 564
companies
in the Credit Services industry
Industry Median: 0.68
vs OPRT: 22.88
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 3-1 Month Momentum % measures the total return to a stock over the past three months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
Oportun Financial 3-1 Month Momentum % Related Terms
OPRT vs PMTS, RM, MFIN: 3-1 Month Momentum % Comparison
For the Credit Services subindustry, Oportun Financial's 3-1 Month Momentum %, along with its competitors' market caps and 3-1 Month Momentum % 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 3-1 Month Momentum % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's 3-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where Oportun Financial's 3-1 Month Momentum % 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 3-1 Month Momentum % of 22.88% as of Sep. 04, 2026. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Oportun Financial and its competitors. According to the industry distribution chart, Oportun Financial ranks #75 out of 564 companies in the Credit Services industry, placing it in the top 13.3%.
Is Oportun Financial's 3-1 Month Momentum % too high?
Oportun Financial's current 3-1 Month Momentum % is 22.88%. The Credit Services industry median 3-1 Month Momentum % is 0.68. Oportun Financial's value of 22.88% is 3264.7% above this industry median. Based on the distribution chart, Oportun Financial ranks #75 out of 564 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 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's 3-1 Month Momentum % compare to PMTS and RM?
According to the Credit Services industry distribution chart, Oportun Financial ranks #75 out of 564 companies for 3-1 Month Momentum %. This places Oportun Financial in the top 13% of its industry — outperforming the majority of peers. The industry median 3-1 Month Momentum % is 0.68. Oportun Financial's value of 22.88% is 3264.7% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-1 Month Momentum % for a Credit Services company?
The median 3-1 Month Momentum % among Credit Services companies is 0.68, based on 564 companies in the industry. Companies in the top quartile (top 25%) have a 3-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 3-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current 3-1 Month Momentum % of 22.88% is 3264.7% 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 3-1 Month Momentum % mean?
A high 3-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 3-1 Month Momentum measures the total return of the stock from 3-month ago to 1-month ago. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median 3-1 Month Momentum % is 0.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current 3-1 Month Momentum % is 22.88%. 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 $4.54, compared to a current price of $7.41 — trading 63.2% above its estimated fair value. The current 3-1 Month Momentum % is 22.88% and 3264.7% above the Credit Services industry median of 0.68. Oportun Financial's overall GF Score™ is 50/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-1 Month Momentum % calculated?
3-1 Month Momentum % is calculated from a company's financial statements. For Oportun Financial (OPRT), the current 3-1 Month Momentum % is 22.88% as of Sep. 04, 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 $7.41 is trading 63.2% above its estimated GF Value™ of $4.54.
GuruFocus considers Oportun Financial to be Significantly Overvalued.
Key valuation signals for OPRT:
3-1 Month Momentum %: 22.88%
GF Value™: $4.54 vs. price of $7.41 (63.2% above fair value)
Industry Position: 3264.7% above the Credit Services median (#75 of 564)
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.
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