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Oportun Financial has the Profitability Rank of 3. It has had trouble to make a profit.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:
1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Oportun Financial Profitability Rank Related Terms
OPRT vs MFIN, PMTS, TROO: Profitability Rank Comparison
For the Credit Services subindustry, Oportun Financial's Profitability Rank, along with its competitors' market caps and Profitability 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 Profitability Rank vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's Profitability Rank distribution charts can be found below:
* The bar in red indicates where Oportun Financial's Profitability Rank falls into.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Oportun Financial has the Profitability Rank of 3. It has had trouble to make a profit.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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 Profitability Rank of 3 as of Mar. 2026. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Oportun Financial and its competitors. This is near median its historical median of 3.00. Over the past decade, Oportun Financial's Profitability Rank has ranged from 1.00 to 4.00.
Is Oportun Financial's Profitability Rank too high?
Oportun Financial's current Profitability Rank of 3 is near 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 4.00. 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 Profitability Rank compare to MFIN and PMTS?
Oportun Financial's Profitability Rank of 3 can be compared against companies in the Credit Services industry. Historically, Oportun Financial's own Profitability Rank has ranged from 1.00 to 4.00 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 Profitability Rank for a Credit Services company?
A good Profitability Rank depends on the Credit Services industry context. However, Profitability 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Oportun Financial and its competitors. Oportun Financial's current Profitability Rank is 3, which is near 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 $7.00, compared to a current price of $5.77 — trading 17.6% below its estimated fair value. The current Profitability Rank is 3, which is near median its 10-year median of 3.00. Oportun Financial's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Profitability Rank is 3 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 undervalued.
The current stock price of $5.77 is trading 17.6% below its estimated GF Value™ of $7.00.
GuruFocus considers Oportun Financial to be Modestly Undervalued.
Key valuation signals for OPRT:
Profitability Rank: 3 (near median its 10-year median of 3.00)
GF Value™: $7.00 vs. price of $5.77 (17.6% below 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.
54GF Score
Get the complete analysis for OPRT
Profitability Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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