OPRT (Oportun Financial) ROC (Joel Greenblatt) %: % (As of Mar. 2026)


OPRT Oportun Financial Corp OPRT
46 GF Score
Price $5.90
GF Value $4.28
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Oportun Financial ROC (Joel Greenblatt) %?

Oportun Financial OPRT -0.17% 46 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates OPRT with a GF Score™ of 46/100 and a GF Value™ of $4.28 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 413 Credit Services companies, Oportun Financial ranks worse than 242130.51% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

OPRT
46GF Score
Oportun Financial Corp OPRT
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a ROC (Joel Greenblatt) % of % mean?
Oportun Financial (OPRT) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Oportun Financial and its competitors. According to the industry distribution chart, Oportun Financial ranks #999999 out of 413 companies in the Credit Services industry.
Is Oportun Financial's ROC (Joel Greenblatt) % too high?
Oportun Financial's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Oportun Financial ranks #999999 out of 413 companies in the Credit Services industry, which is in the bottom quartile relative to peers. 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 ROC (Joel Greenblatt) % compare to MFIN and PMTS?
According to the Credit Services industry distribution chart, Oportun Financial ranks #999999 out of 413 companies for ROC (Joel Greenblatt) %. This places Oportun Financial in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.19, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current ROC (Joel Greenblatt) % is %. 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 $4.28, compared to a current price of $5.90 — trading 37.9% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Oportun Financial (OPRT), the current ROC (Joel Greenblatt) % is % 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 $5.90 is trading 37.9% above its estimated GF Value™ of $4.28. GuruFocus considers Oportun Financial to be Significantly Overvalued.

Key valuation signals for OPRT:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $4.28 vs. price of $5.90 (37.9% above fair value)
  • GF Score™: 46/100 with 3 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.
46GF Score

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.90
Price
$4.28
GF Value