The historical rank and industry rank for Oportun Financial's ROE % or its related term are showing as below:
OPRT'
s ROE % Range Over the Past 10 Years
Min: -37.8 Med: -4.71 Max: 43.81
Current: 4.66
During the past 10 years, Oportun Financial's highest ROE % was 43.81%. The lowest was -37.80%. And the median was -4.71%.
OPRT's ROE % is ranked worse than 56.52% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs OPRT: 4.66
Oportun Financial (NAS:OPRT) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Oportun Financial ROE % Related Terms
Oportun Financial ROE % Historical Data
* Premium members only.
The historical data trend for Oportun Financial's ROE % 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.
For the Credit Services subindustry, Oportun Financial's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's ROE % distribution charts can be found below:
* The bar in red indicates where Oportun Financial's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Oportun Financial (OPRT) has a ROE % of 2.39% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Oportun Financial and its competitors. According to the industry distribution chart, Oportun Financial ranks #299 out of 529 companies in the Credit Services industry, placing it in the top 56.5%.
Is Oportun Financial's ROE % too high?
Oportun Financial's current ROE % is 2.39%. The Credit Services industry median ROE % is 6.61. Oportun Financial's value of 2.39% is 63.8% below this industry median. Based on the distribution chart, Oportun Financial ranks #299 out of 529 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 ROE % compare to MFIN and JFIN?
According to the Credit Services industry distribution chart, Oportun Financial ranks #299 out of 529 companies for ROE %. This places Oportun Financial in the lower half of its industry. The industry median ROE % is 6.61. Oportun Financial's value of 2.39% is 63.8% 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 ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Oportun Financial's current ROE % of 2.39% is 63.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current ROE % is 2.39%. 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 ROE % is 2.39% and 63.8% below the Credit Services industry median of 6.61. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Oportun Financial (OPRT), the current ROE % is 2.39% 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:
ROE %: 2.39%
GF Value™: $4.29 vs. price of $5.73 (33.6% above fair value)
Industry Position: 63.8% below the Credit Services median (#299 of 529)
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
Get the complete analysis for OPRT
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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