Oportun Financial (FRA:4L0) ROC %: % (As of Mar. 2026)


FRA:4L0 Oportun Financial Corp FRA:4L0
50 GF Score
Price €4.70
GF Value €3.52
! 3 Warning Signs
View Full Analysis

What is Oportun Financial ROC %?

Oportun Financial FRA:4L0 -2.89% 50 ROC % is % as of Mar. 2026. GuruFocus rates FRA:4L0 with a GF Score™ of 50/100 and a GF Value™ of €3.52. The stock has 3 warning signs investors should review.

ROC %does not apply to banks.

FRA:4L0
50GF Score
Oportun Financial Corp FRA:4L0
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Oportun Financial (FRA:4L0) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Oportun Financial and its competitors.
Is Oportun Financial's ROC % too high?
Oportun Financial's current ROC % is %. Overall, Oportun Financial has a GF Score™ of 50/100, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's ROC % compare to MFIN and JFIN?
Oportun Financial's ROC % of % can be compared against companies in the Credit Services industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Credit Services company?
The median ROC % among Credit Services companies is 1.98, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current ROC % 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?
Oportun Financial (FRA:4L0) has a current ROC % of %. The stock's GF Value™ is €3.52, compared to a current price of €4.70 — trading 33.5% above its estimated fair value. The current ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Oportun Financial (FRA:4L0), the current ROC % 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 (FRA:4L0) Overvalued in 2026?

Based on GuruFocus' analysis, Oportun Financial stock appears to be overvalued. The current stock price of €4.70 is trading 33.5% above its estimated GF Value™ of €3.52.

Key valuation signals for FRA:4L0:

  • ROC %: %
  • GF Value™: €3.52 vs. price of €4.70 (33.5% above fair value)
  • GF Score™: 50/100 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.
50GF Score

Get the complete analysis for FRA:4L0

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

€4.70
Price
€3.52
GF Value