Oportun Financial (FRA:4L0) Tariff Resilience Score: 8/10 (As of Jul. 13, 2026)


FRA:4L0 Oportun Financial Corp FRA:4L0
53 GF Score
Price €4.74
GF Value €3.36
! 3 Warning Signs
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What is Oportun Financial Tariff Resilience Score?

Oportun Financial FRA:4L0 +6.28% 53 Tariff Resilience Score is 8 as of Jul. 13, 2026. GuruFocus rates FRA:4L0 with a GF Score™ of 53/100 and a GF Value™ of €3.36. The stock has 3 warning signs investors should review. Among 565 Credit Services companies, Oportun Financial ranks better than 95.58% on this metric.

Oportun Financial has the Tariff Resilience Score of 8, which implies that the company might have Highly Resilient.

Oportun Financial has Primarily a domestic financial services provider with limited direct exposure to tariffs. Indirect effects could arise from economic changes due to tariffs impacting clients' financial health.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Oportun Financial might have Highly Resilient.

Oportun Financial  (FRA:4L0) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Oportun Financial Tariff Resilience Score Related Terms

FRA:4L0 vs MFIN, PMTS, TROO: Tariff Resilience Score Comparison

For the Credit Services subindustry, Oportun Financial's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Oportun Financial's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Oportun Financial's Tariff Resilience Score falls into.


FRA:4L0
53GF Score
Oportun Financial Corp FRA:4L0
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 8 mean?
Oportun Financial (FRA:4L0) has a Tariff Resilience Score of 8 as of Jul. 13, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Oportun Financial ranks #25 out of 565 companies in the Credit Services industry, placing it in the top 4.4%.
Is Oportun Financial's Tariff Resilience Score too high?
Oportun Financial's current Tariff Resilience Score is 8. Based on the distribution chart, Oportun Financial ranks #25 out of 565 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. 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 Tariff Resilience Score compare to MFIN and PMTS?
According to the Credit Services industry distribution chart, Oportun Financial ranks #25 out of 565 companies for Tariff Resilience Score. This places Oportun Financial in the top 4% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Credit Services company?
A good Tariff Resilience Score depends on the Credit Services industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Oportun Financial's current Tariff Resilience Score is 8. 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 Tariff Resilience Score of 8. The stock's GF Value™ is €3.36, compared to a current price of €4.74 — trading 41.1% above its estimated fair value. The current Tariff Resilience Score is 8. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Oportun Financial (FRA:4L0), the current Tariff Resilience Score is 8 as of Jul. 13, 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 €4.74 is trading 41.1% above its estimated GF Value™ of €3.36.

Key valuation signals for FRA:4L0:

  • Tariff Resilience Score: 8
  • GF Value™: €3.36 vs. price of €4.74 (41.1% above 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

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

€4.74
Price
€3.36
GF Value