Oportun FinancialOPRT 46 Return-on-Tangible-Equity is 2.91% as of Mar. 2026. 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 525 Credit Services companies, Oportun Financial ranks worse than 53.9% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Oportun Financial's annualized net income for the quarter that ended in Mar. 2026 was $9.4 Mil. Oportun Financial's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $322.6 Mil. Therefore, Oportun Financial's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 2.91%.
The historical rank and industry rank for Oportun Financial's Return-on-Tangible-Equity or its related term are showing as below:
OPRT'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -51.6 Med: -4.84 Max: 44.7
Current: 5.8
During the past 10 years, Oportun Financial's highest Return-on-Tangible-Equity was 44.70%. The lowest was -51.60%. And the median was -4.84%.
OPRT's Return-on-Tangible-Equity is ranked worse than 53.9% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs OPRT: 5.80
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Oportun Financial Return-on-Tangible-Equity Related Terms
Oportun Financial Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Oportun Financial's Return-on-Tangible-Equity 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-Equity Comparison
For the Credit Services subindustry, Oportun Financial's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Oportun Financial's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 2.91% mean?
Oportun Financial (OPRT) has a Return-on-Tangible-Equity of 2.91% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Oportun Financial and its competitors. According to the industry distribution chart, Oportun Financial ranks #283 out of 525 companies in the Credit Services industry, placing it in the top 53.9%.
Is Oportun Financial's Return-on-Tangible-Equity too high?
Oportun Financial's current Return-on-Tangible-Equity is 2.91%. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Oportun Financial's value of 2.91% is 58.5% below this industry median. Based on the distribution chart, Oportun Financial ranks #283 out of 525 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 Return-on-Tangible-Equity compare to MFIN and PMTS?
According to the Credit Services industry distribution chart, Oportun Financial ranks #283 out of 525 companies for Return-on-Tangible-Equity. This places Oportun Financial in the lower half of its industry. The industry median Return-on-Tangible-Equity is 7.01. Oportun Financial's value of 2.91% is 58.5% 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-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current Return-on-Tangible-Equity of 2.91% is 58.5% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current Return-on-Tangible-Equity is 2.91%. 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 Return-on-Tangible-Equity is 2.91% and 58.5% below the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Return-on-Tangible-Equity is 2.91% 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:
Return-on-Tangible-Equity: 2.91%
GF Value™: $4.29 vs. price of $5.73 (33.6% above fair value)
Industry Position: 58.5% below the Credit Services median (#283 of 525)
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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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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