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 composite fair value of $12.86. While the stock appears modestly undervalued at $5.78 (implied upside of +122.6%), our analysis suggests a thinner margin of safety across 6 of 9 bullish models. Notably, CUCE sees the most upside at +484.9% (fair value: $33.81), while Regime Cross is the most conservative at -52.6% ($2.74). The spread between these extremes — +537.5% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About OPRT?
9 of 13 models are currently active for OPRT. Of these, 6 models suggest upside while 3 models suggest overvaluation. See which stocks rank higher →
How Does OPRT Rank in Finance Services?
Among 123 Finance Services stocks, OPRT ranks #29 by Quality of Company score. CirclFi's QOC score of 7.3/10 evaluates 32 fundamental signals. A score of 7.3 indicates above-average quality.
See all Most Undervalued Finance Services Stocks →
Oportun Financial Corporation operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is OPRT a Value Trap?
CirclFi's Value Trap algorithm assigns OPRT a score of 32/100 (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
9 of 13 models are active for Oportun Financial Corporation. Moderate coverage provides meaningful perspective. 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 7.3/10. This respectable 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 +537.5% — 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 9 active models, average confidence is 33%. 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 →
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