Oportun Financial Corporation (OPRT) Fair Value 2026

OPRT · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.9 /10

32 fundamental signals · 3 models active

Value Trap Risk

LOW (30/100)

Quick Summary — As of 2026-08-28, Oportun Financial Corporation (OPRT) trades at $7.36, versus a $21.59 median fair value across its 3 active models — 193.3% above the current price. QOC: 7.9/10. Value Trap Risk: 30/100 (LOW). 3/13 models active.

Key Facts

Ticker
OPRT
Price
$7.36
Quality Score
7.9/10
Value Trap Risk
30/100
Models Active
3/13
Last Updated
Strength: Regime Cross-Sectional suggests +246.6% upside with 40% confidence
Risk: Limited model coverage (3/13) may reduce confidence

Is Oportun Financial Corporation (OPRT) Undervalued or Overvalued in 2026?

According to CirclFi’s 3-model valuation engine, Oportun Financial Corporation (OPRT) appears undervalued as of : the median of 3 independent fair value estimates is $21.59, 193.3% above the current price of $7.36. Estimates range from $2.96 to $25.51. OPRT scores 7.9/10 on fundamental quality and 30/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. OPRT’s +193.3% gap is wider than that market norm, and the Credit Services sector median is +15.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Oportun Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give OPRT?

3 Intrinsic Value Models vs. Current Price ($7.36)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $2.96 -59.8%
Relative · Medium Conviction
 $25.51 +246.6%
Relative · Low Conviction
 $21.59 +193.3%

All Models Active

All 3 models are displayed above.

What Is OPRT's Fair Value Range?

Spread across 3 independent models · $2.96 to $25.51

CirclFi's 3 active models place Oportun Financial Corporation (OPRT) between $2.96 and $25.51 per share, a spread of 104% of the median. The median of that range — $21.59 — is the fair value CirclFi publishes for OPRT, against a current price of $7.36.

Low · ML-RIVHigh · Regime Cross
$2.96median $21.59$25.51
Where the range comes from
Most bearish modelML Residual Income$2.96
Most bullish modelRegime Cross-Sectional$25.51
Model agreement2 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for OPRT. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on OPRT, not a CirclFi price target. How each model works →

What Is Oportun Financial Corporation (OPRT) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Oportun Financial Corporation's intrinsic value is estimated at a median fair value of $21.59. While the stock appears modestly undervalued at $7.36 (implied upside of +193.3%), our analysis suggests a thinner margin of safety across 2 of 3 bullish models. Notably, Regime Cross sees the most upside at +246.6% (fair value: $25.51), while ML-RIV is the most conservative at -59.8% ($2.96). The spread between these extremes — +306.4% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About OPRT?

3 of 13 models are currently active for OPRT. Of these, 2 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for OPRT is $21.59 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does OPRT Rank in Credit Services?

Among 54 Credit Services stocks, OPRT ranks #18 by Quality of Company score. CirclFi's QOC score of 7.9/10 evaluates 32 fundamental signals. A score of 7.9 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

As a financial institution, Oportun Financial Corporation operates in a sector where non-performing loan ratio is a critical driver of valuation. Investors evaluating OPRT should weigh these sector-specific dynamics alongside our model-derived fair values.

Is OPRT a Value Trap?

CirclFi's Value Trap algorithm assigns OPRT a score of 30/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

3 of 13 models are active for Oportun Financial Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Oportun Financial Corporation's fundamental quality profile registers 7.9/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +306.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every OPRT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across OPRT's 3 active models, average confidence is 34%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Oportun Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

ENVAEnova International, Inc.QOC 7.9CACCCredit Acceptance CorporationQOC 7.8BFHBread Financial Holdings, Inc.QOC 8.0ECPGEncore Capital Group, Inc.QOC 7.8MFINMedallion Financial Corp.QOC 8.1SPFXStandard Premium Finance Holdings, Inc.QOC 7.7AFRMAffirm Holdings, Inc.QOC 7.4FOAFinance of America Companies Inc.QOC 5.6VVisa Inc.QOC 9.0JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: ENVA · CACC · BFH · ECPG · MFIN · SPFX · AFRM · FOA · V · JFIN · MA

Which Other Stocks Have a Similar Quality Score to OPRT?

7 companies across all industries closest to OPRT’s Quality of Company score of 7.9/10.

AROCArchrock, Inc.QOC 7.9TPCTutor Perini CorporationQOC 7.9LEATLeatt CorporationQOC 7.9MDBMongoDB, Inc.QOC 7.9CIThe Cigna GroupQOC 7.9UVVUniversal CorporationQOC 7.9NVDANVIDIA CorporationQOC 10.0

Read investment analysis: AROC · TPC · LEAT · MDB · CI · UVV · NVDA

Where Does OPRT Sit in CirclFi's Credit Services Rankings?

OPRT is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Oportun Financial Corporation’s Valuation?

What is Oportun Financial Corporation's intrinsic value in 2026?

CirclFi puts Oportun Financial Corporation (OPRT)'s intrinsic value at $21.59 — the median of 3 independent model estimates as of 2026-08-28, ranging from $2.96 to $25.51. The Quality of Company score is 7.9/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is OPRT overvalued or undervalued right now?

At $7.36, 2 of 3 active models suggest OPRT may be undervalued, while 1 indicate potential overvaluation. The median of all 3 fair value estimates is $21.59, 193.3% above the current price of $7.36 — a consensus view that OPRT is undervalued. The assessment depends on which methodology best fits Oportun Financial Corporation's business model in Credit Services.

What does a Quality of Company score of 7.9 mean for OPRT?

Oportun Financial Corporation's QOC of 7.9/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on OPRT?

CirclFi analyzes OPRT with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 3 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on OPRT?

Of the 3 models currently active on OPRT, Regime Cross-Sectional is the most bullish at $25.51 per share, and ML Residual Income is the most bearish at $2.96. CirclFi's published fair value for OPRT is the median of that range, $21.59, not either extreme. The gap between the two ends equals 104% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is OPRT a value trap in 2026?

Oportun Financial Corporation's Value Trap score is 30/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 3-model valuation engine, Oportun Financial Corporation (OPRT) has a median fair value of $21.59 — 193.3% above the current price of $7.36 — as of 2026-08-28.” Source: circlfi.com/stock/OPRT/ · Methodology
Primary sources for this OPRT valuation
  • Financial statements: Oportun Financial Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0001538716) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for OPRT as of ; valuations recomputed .