Oportun FinancialOPRT -0.17%50 5-Year Yield-on-Cost % is 0.00 as of Jul. 05, 2026. GuruFocus rates OPRT with a GF Score™ of 50/100 and a GF Value™ of $4.28 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 211 Credit Services companies, Oportun Financial ranks worse than 473933.18% on this metric.
Oportun Financial's yield on cost for the quarter that ended in Mar. 2026 was 0.00.
The historical rank and industry rank for Oportun Financial's 5-Year Yield-on-Cost % or its related term are showing as below:
OPRT's 5-Year Yield-on-Cost % is not ranked *
in the Credit Services industry.
Industry Median: 4.55 * Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Oportun Financial 5-Year Yield-on-Cost % Related Terms
OPRT vs MFIN, PMTS, TROO: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Oportun Financial's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Oportun Financial's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Oportun Financial's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Oportun Financial (OPRT) has a 5-Year Yield-on-Cost % of 0.00 as of Jul. 05, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Oportun Financial and its competitors. According to the industry distribution chart, Oportun Financial ranks #999999 out of 211 companies in the Credit Services industry.
Is Oportun Financial's 5-Year Yield-on-Cost % too high?
Oportun Financial's current 5-Year Yield-on-Cost % is 0.00. Based on the distribution chart, Oportun Financial ranks #999999 out of 211 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Oportun Financial has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oportun Financial's 5-Year Yield-on-Cost % compare to MFIN and PMTS?
According to the Credit Services industry distribution chart, Oportun Financial ranks #999999 out of 211 companies for 5-Year Yield-on-Cost %. This places Oportun Financial in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.55. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.55, based on 211 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Oportun Financial and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oportun Financial's current 5-Year Yield-on-Cost % is 0.00. 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 $4.28, compared to a current price of $5.90 — trading 37.9% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.00. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Oportun Financial (OPRT), the current 5-Year Yield-on-Cost % is 0.00 as of Jul. 05, 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 $5.90 is trading 37.9% above its estimated GF Value™ of $4.28.
GuruFocus considers Oportun Financial to be Significantly Overvalued.
Key valuation signals for OPRT:
5-Year Yield-on-Cost %: 0.00
GF Value™: $4.28 vs. price of $5.90 (37.9% above fair value)
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.
50GF Score
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