OPRT (Oportun Financial) Scaled Net Operating Assets: 0.92 (As of Mar. 2026)


OPRT Oportun Financial Corp OPRT
46 GF Score
Price $5.73
GF Value $4.29
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Oportun Financial Scaled Net Operating Assets?

Oportun Financial OPRT +0.35% 46 Scaled Net Operating Assets is 0.92 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Oportun Financial's operating assets for the quarter that ended in Mar. 2026 was $3,037.2 Mil. Oportun Financial's operating liabilities for the quarter that ended in Mar. 2026 was $53.6 Mil. Oportun Financial's Total Assets for the quarter that ended in Dec. 2025 was $3,257.9 Mil. Therefore, Oportun Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.92.

OPRT
46GF Score
Oportun Financial Corp OPRT
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Oportun Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Oportun Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3152.331-56.811)/3227.103
=0.96

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3257.856 - 105.525
=3152.331

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2867.774 - 2810.963 - 0
=56.811

Oportun Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3037.154-53.604)/3257.856
=0.92

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3167.538 - 130.384
=3037.154

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2771.255 - 2717.651 - 0
=53.604

* 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.

What does a Scaled Net Operating Assets of 0.92 mean?
Oportun Financial (OPRT) has a Scaled Net Operating Assets of 0.92 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Oportun Financial and its competitors.
Is Oportun Financial's Scaled Net Operating Assets too high?
Oportun Financial's current Scaled Net Operating Assets is 0.92. 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 Scaled Net Operating Assets compare to MFIN and JFIN?
Oportun Financial's Scaled Net Operating Assets of 0.92 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Credit Services company?
A good Scaled Net Operating Assets depends on the Credit Services industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Oportun Financial and its competitors. Oportun Financial's current Scaled Net Operating Assets is 0.92. 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 Scaled Net Operating Assets is 0.92. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Oportun Financial (OPRT), the current Scaled Net Operating Assets is 0.92 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:

  • Scaled Net Operating Assets: 0.92
  • GF Value™: $4.29 vs. price of $5.73 (33.6% 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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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.73
Price
$4.29
GF Value