Oportun FinancialOPRT +0.35%46 Pretax Margin % is 3.75% as of Mar. 2026, which is 6% above its 10-year median of 3.55. 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 533 Credit Services companies, Oportun Financial ranks worse than 67.35% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Oportun Financial Pretax Margin % Related Terms
Oportun Financial Pretax Margin % Historical Data
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The historical data trend for Oportun Financial's Pretax 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.
OPRT vs MFIN, JFIN, LPRO: Pretax Margin % Comparison
For the Credit Services subindustry, Oportun Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Oportun Financial's Pretax 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 Pretax Margin % of 3.75% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oportun Financial and its competitors. This is near median its historical median of 3.55. According to the industry distribution chart, Oportun Financial ranks #359 out of 533 companies in the Credit Services industry, placing it in the top 67.4%.
Is Oportun Financial's Pretax Margin % too high?
Oportun Financial's current Pretax Margin % of 3.75% is near median its 10-year median of 3.55. The Credit Services industry median Pretax Margin % is 20.02. Oportun Financial's value of 3.75% is 81.3% below this industry median. Based on the distribution chart, Oportun Financial ranks #359 out of 533 companies in the Credit Services industry, which is below 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 Pretax Margin % compare to MFIN and JFIN?
According to the Credit Services industry distribution chart, Oportun Financial ranks #359 out of 533 companies for Pretax Margin %. This places Oportun Financial in the lower half of its industry. The industry median Pretax Margin % is 20.02. Oportun Financial's value of 3.75% is 81.3% below this benchmark. While the company's 10-year median is 3.55 vs. the industry median of 20.02, 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 Pretax Margin % for a Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current Pretax Margin % of 3.75% is 81.3% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current Pretax Margin % is 3.75%, which is near median its own 10-year median of 3.55. 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 Pretax Margin % is 3.75%, which is near median its 10-year median of 3.55 and 81.3% below the Credit Services industry median of 20.02. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Pretax Margin % is 3.75% 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:
Pretax Margin %: 3.75% (near median its 10-year median of 3.55)
GF Value™: $4.29 vs. price of $5.73 (33.6% above fair value)
Industry Position: 81.3% below the Credit Services median (#359 of 533)
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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