Oportun Financial (FRA:4L0) Stock Based Compensation: €10.3 Mil (TTM As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:4L0 Oportun Financial Corp FRA:4L0
53 GF Score
Price €4.76
GF Value €6.01
! 3 Warning Signs
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What is Oportun Financial Stock Based Compensation?

Oportun Financial FRA:4L0 -4.80% 53 Stock Based Compensation is €10.3 Mil as of Mar. 2026. GuruFocus rates FRA:4L0 with a GF Score™ of 53/100 and a GF Value™ of €6.01. The stock has 3 warning signs investors should review.

Oportun Financial's Stock Based Compensation for the three months ended in Mar. 2026 was €3.6 Mil. Its Stock Based Compensation for the trailing twelve months (TTM) ended in Mar. 2026 was €10.3 Mil.

Oportun Financial Stock Based Compensation Related Terms

Oportun Financial Stock Based Compensation Historical Data

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The historical data trend for Oportun Financial's Stock Based Compensation 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.

Oportun Financial Stock Based Compensation Chart

Oportun Financial Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Stock Based Compensation
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.69 26.07 17.05 12.40 9.13

Oportun Financial Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Stock Based Compensation Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.62 2.35 2.12 2.27 3.58
FRA:4L0
53GF Score
Oportun Financial Corp FRA:4L0
Stock Based Compensation is just one metric. See GF Score™, valuation, warning signs, and more.
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Oportun Financial Stock Based Compensation Calculation

Stock Based Compensation is a way corporations use stock options to reward employees. It provides executives and employees the opportunity to share in the growth of the company and, if structured properly, can align their interests with the interests of the company's shareholders and investors, without burning the company's cash on hand.

Stock Based Compensation for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €10.3 Mil.

What does a Stock Based Compensation of €10.3 Mil mean?
Oportun Financial (FRA:4L0) has a Stock Based Compensation of €10.3 Mil as of Mar. 2026. Stock based compensation is the amount of company stock issued as employee benefits. View historical data for Oportun Financial and its competitors.
Is Oportun Financial's Stock Based Compensation too high?
Oportun Financial's current Stock Based Compensation is €10.3 Mil. Overall, Oportun Financial has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's Stock Based Compensation compare to MFIN and PMTS?
Oportun Financial's Stock Based Compensation of €10.3 Mil 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 Stock Based Compensation for a Credit Services company?
A good Stock Based Compensation depends on the Credit Services industry context. However, Stock Based Compensation 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 Stock Based Compensation mean?
A high Stock Based Compensation can signal that a stock is expensive relative to its fundamentals. Stock based compensation is the amount of company stock issued as employee benefits. View historical data for Oportun Financial and its competitors. Oportun Financial's current Stock Based Compensation is €10.3 Mil. 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 Stock Based Compensation of €10.3 Mil. The stock's GF Value™ is €6.01, compared to a current price of €4.76 — trading 20.8% below its estimated fair value. The current Stock Based Compensation is €10.3 Mil. Oportun Financial's overall GF Score™ is 53/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Stock Based Compensation calculated?
Stock Based Compensation is calculated from a company's financial statements. For Oportun Financial (FRA:4L0), the current Stock Based Compensation is €10.3 Mil 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 undervalued. The current stock price of €4.76 is trading 20.8% below its estimated GF Value™ of €6.01.

Key valuation signals for FRA:4L0:

  • Stock Based Compensation: €10.3 Mil
  • GF Value™: €6.01 vs. price of €4.76 (20.8% below fair value)
  • GF Score™: 53/100 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.
53GF Score

Get the complete analysis for FRA:4L0

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

€4.76
Price
€6.01
GF Value