Oportun FinancialOPRT -1.02%50 Return-on-Tangible-Asset is 0.30% as of Mar. 2026. GuruFocus rates OPRT with a GF Score™ of 50/100 and a GF Value™ of $4.27 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 543 Credit Services companies, Oportun Financial ranks worse than 69.06% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Oportun Financial's annualizedNet Income for the quarter that ended in Mar. 2026 was $9.4 Mil. Oportun Financial's average total tangible assets for the quarter that ended in Mar. 2026 was $3,142.1 Mil. Therefore, Oportun Financial's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.30%.
The historical rank and industry rank for Oportun Financial's Return-on-Tangible-Asset or its related term are showing as below:
OPRT'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -5.32 Med: -0.84 Max: 8.38
Current: 0.57
During the past 10 years, Oportun Financial's highest Return-on-Tangible-Asset was 8.38%. The lowest was -5.32%. And the median was -0.84%.
OPRT's Return-on-Tangible-Asset is ranked worse than 69.06% of 543
companies
in the Credit Services industry
Industry Median: 1.94
vs OPRT: 0.57
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Oportun Financial Return-on-Tangible-Asset Related Terms
Oportun Financial Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Oportun Financial's Return-on-Tangible-Asset 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, PMTS, TROO: Return-on-Tangible-Asset Comparison
For the Credit Services subindustry, Oportun Financial's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Oportun Financial's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.30% mean?
Oportun Financial (OPRT) has a Return-on-Tangible-Asset of 0.30% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Oportun Financial and its competitors. According to the industry distribution chart, Oportun Financial ranks #375 out of 543 companies in the Credit Services industry, placing it in the top 69.1%.
Is Oportun Financial's Return-on-Tangible-Asset too high?
Oportun Financial's current Return-on-Tangible-Asset is 0.30%. The Credit Services industry median Return-on-Tangible-Asset is 1.94. Oportun Financial's value of 0.30% is 84.5% below this industry median. Based on the distribution chart, Oportun Financial ranks #375 out of 543 companies in the Credit Services industry, which is below the industry midpoint. 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 Return-on-Tangible-Asset compare to MFIN and PMTS?
According to the Credit Services industry distribution chart, Oportun Financial ranks #375 out of 543 companies for Return-on-Tangible-Asset. This places Oportun Financial in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.94. Oportun Financial's value of 0.30% is 84.5% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Credit Services company?
The median Return-on-Tangible-Asset among Credit Services companies is 1.94, based on 543 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current Return-on-Tangible-Asset of 0.30% is 84.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median Return-on-Tangible-Asset is 1.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current Return-on-Tangible-Asset is 0.30%. 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 $4.27, compared to a current price of $5.84 — trading 36.8% above its estimated fair value. The current Return-on-Tangible-Asset is 0.30% and 84.5% below the Credit Services industry median of 1.94. Oportun Financial's overall GF Score™ is 50/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Return-on-Tangible-Asset is 0.30% 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 $5.84 is trading 36.8% above its estimated GF Value™ of $4.27.
GuruFocus considers Oportun Financial to be Significantly Overvalued.
Key valuation signals for OPRT:
Return-on-Tangible-Asset: 0.30%
GF Value™: $4.27 vs. price of $5.84 (36.8% above fair value)
Industry Position: 84.5% below the Credit Services median (#375 of 543)
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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