Oportun Financial (FRA:4L0) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:4L0 Oportun Financial Corp FRA:4L0
54 GF Score
Price €4.42
GF Value €5.61
! 3 Warning Signs
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What is Oportun Financial Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Oportun Financial Quality Rank Related Terms

FRA:4L0
54GF Score
Oportun Financial Corp FRA:4L0
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Oportun Financial (FRA:4L0) Overvalued in 2026?

Based on GuruFocus' analysis, Oportun Financial stock appears to be undervalued. The current stock price of €4.42 is trading 21.2% below its estimated GF Value™ of €5.61.

Key valuation signals for FRA:4L0:

  • Quality Rank:
  • GF Value™: €5.61 vs. price of €4.42 (21.2% below fair value)
  • GF Score™: 54/100 with 3 warning signs

No single metric tells the full story. See the FRA:4L0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Oportun Financial Business Description

Other Exchanges OPRT:USA
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 FRA:4L0

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

€4.42
Price
€5.61
GF Value