Question 1

Is Oportun Financial Corp. overvalued or undervalued?

Accepted Answer

As of 7 November 2022, the valuation grade for Oportun Financial Corp. has moved from attractive to risky, indicating a shift in the company's perceived value. Based on the available metrics, Oportun appears to be overvalued given the lack of relevant valuation ratios and its current classification as risky. The company has shown impressive returns over the past year, with a stock return of 147.04% compared to the S&P 500's 17.14%, but this strong performance is overshadowed by its long-term underperformance, particularly over the 5-year and 10-year periods, where it has returned -49.36% compared to the S&P's 96.61% and 231.64%, respectively. The absence of valuation ratios such as P/E, EV/EBITDA, and PEG further complicates the assessment, but the drastic change in valuation grade suggests caution.

Question 2

Is Oportun Financial Corp. technically bullish or bearish?

Accepted Answer

As of 5 September 2025, the technical trend for Oportun Financial Corp. has changed from bullish to mildly bullish. The weekly MACD is mildly bearish, while the monthly MACD is bullish, indicating mixed signals across time frames. The Bollinger Bands are bullish on both weekly and monthly charts, and the daily moving averages are bullish, supporting a positive short-term outlook. However, the KST shows a mildly bearish stance weekly and bullish monthly, and the Dow Theory indicates a mildly bullish weekly but mildly bearish monthly trend. The OBV is showing no trend weekly and mildly bearish monthly. In terms of performance, Oportun Financial Corp. has significantly outperformed the S&P 500 over the past year with a return of 147.04% compared to the S&P 500's 17.14%, and it has also shown strong returns year-to-date at 82.73% versus 12.22% for the S&P 500. Overall, the current technical stance is mildly bullish, driven by strong daily moving averages and consistent bullish signals from Bollinger Bands, despite some mixed indicators in the longer-term metrics.

Oportun Financial Corp.

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Is Oportun Financial Corp. overvalued or undervalued?

Is Oportun Financial Corp. technically bullish or bearish?

Dashboard

Positive results in Sep 25

With ROA of 0.92%, it has a very attractive valuation with a 0.51 Price to Book Value

High Institutional Holdings at 94.9%

Below par performance in long term as well as near term

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