Is Oportun Financial Corp. overvalued or undervalued?

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.