OPRT (Oportun Financial) Growth Rank: 2 (As of Jul. 25, 2026) — 33% Below Median

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OPRT Oportun Financial Corp OPRT
54 GF Score
Price $5.59
GF Value $7.06
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Oportun Financial Growth Rank?

Oportun Financial OPRT +5.57% 54 Growth Rank is 2 as of Jul. 25, 2026, which is 33% below its 10-year median of 3.00. GuruFocus rates OPRT with a GF Score™ of 54/100 and a GF Value™ of $7.06 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Oportun Financial has the Growth Rank of 2.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Oportun Financial Growth Rank Related Terms

OPRT vs MFIN, PMTS, TROO: Growth Rank Comparison

For the Credit Services subindustry, Oportun Financial's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Oportun Financial's Growth Rank distribution charts can be found below:

* The bar in red indicates where Oportun Financial's Growth Rank falls into.


OPRT
54GF Score
Oportun Financial Corp OPRT
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 2 mean?
Oportun Financial (OPRT) has a Growth Rank of 2 as of Jul. 25, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Oportun Financial and its competitors. This is 33% below median its historical median of 3.00. Over the past decade, Oportun Financial's Growth Rank has ranged from 1.00 to 6.00.
Is Oportun Financial's Growth Rank too high?
Oportun Financial's current Growth Rank of 2 is 33% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 6.00. Overall, Oportun Financial has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's Growth Rank compare to MFIN and PMTS?
Oportun Financial's Growth Rank of 2 can be compared against companies in the Credit Services industry. Historically, Oportun Financial's own Growth Rank has ranged from 1.00 to 6.00 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 Growth Rank for a Credit Services company?
A good Growth Rank depends on the Credit Services industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Oportun Financial and its competitors. Oportun Financial's current Growth Rank is 2, which is 33% below median its own 10-year median of 3.00. 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 Modestly Undervalued. The stock's GF Value™ is $7.06, compared to a current price of $5.59 — trading 20.8% below its estimated fair value. The current Growth Rank is 2, which is 33% below median its 10-year median of 3.00. Oportun Financial's overall GF Score™ is 54/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Growth Rank is 2 as of Jul. 25, 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 undervalued. The current stock price of $5.59 is trading 20.8% below its estimated GF Value™ of $7.06. GuruFocus considers Oportun Financial to be Modestly Undervalued.

Key valuation signals for OPRT:

  • Growth Rank: 2 (33% below median its 10-year median of 3.00)
  • GF Value™: $7.06 vs. price of $5.59 (20.8% below fair value)
  • GF Score™: 54/100 with 2 warning signs

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 Business Description

Address 1825 South Grant Street, Suite 850, San Mateo, CA, USA, 94402
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.
54GF Score

Get the complete analysis for OPRT

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.59
Price
$7.06
GF Value