Oportun Financial Corp Stock Buy Hold or Sell Recommendation
| OPRT Stock | USD 6.94 0.25 3.48% |
Given the investment horizon of 90 days and your complete indifference towards market risk, our recommendation regarding Oportun Financial Corp is 'Buy'. A buy or sell recommendation is an automated directive regarding whether to purchase or sell Oportun Financial Corp given historical horizon and risk tolerance. When we issue a 'buy' or 'sell' recommendation for Oportun Financial Corp, the advice is generated through an automated system that utilizes algorithms and statistical models.
Check out Oportun Financial Analyst Recommendation to compare Macroaxis Buy or Sell Recommendation with the current analyst consensus. To check ratings for multiple equity instruments, please use the Instant Ratings tool. Note, we conduct extensive research on individual companies such as Oportun and provide practical buy, sell, or hold advice based on investors' constraints. Oportun Financial Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in metropolitan statistical area.
Oportun |
Execute Oportun Financial Buy or Sell Advice
The Oportun recommendation should be used to complement the buy-or-sell advice compiled from the current analysts' consensus on Oportun Financial Corp. Macroaxis does not own or have any residual interests in Oportun Financial Corp or other equities on which the buy-or-sell advice is provided. Please provide your input below to execute Oportun Financial's advice using the current market data and latest reported fundamentals.
Time Horizon
Risk Tolerance
 |  |
Buy
Market Performance | Solid | Details | |
Volatility | Moderately volatile | Details | |
Hype Condition | Under hyped | Details | |
Current Valuation | Overvalued | Details | |
Odds Of Distress | Below Average | Details | |
Economic Sensitivity | Almost mirrors the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Possible Manipulator | Details |
Oportun Financial Trading Alerts and Improvement Suggestions
| Oportun Financial is way too risky over 90 days horizon | |
| Oportun Financial appears to be risky and price may revert if volatility continues | |
| The company reported the previous year's revenue of 1 B. Net Loss for the year was (78.7 M) with profit before overhead, payroll, taxes, and interest of 726.77 M. | |
| About 67.0% of the company shares are owned by institutional investors | |
| Latest headline from finance.yahoo.com: Oportun Financial Corporation Soars to 52-Week High, Time to Cash Out |
Oportun Financial Returns Distribution Density
The distribution of Oportun Financial's historical returns is an attempt to chart the uncertainty of Oportun Financial's future price movements. The chart of the probability distribution of Oportun Financial daily returns describes the distribution of returns around its average expected value. We use Oportun Financial Corp price's Value At Risk and its Upside Potential as a relative measure of the distribution. The graph of the distribution of Oportun Financial returns is essential to provide solid investment advice for Oportun Financial.
| Mean Return | 1.37 | Value At Risk | -5.29 | Potential Upside | 12.20 | Standard Deviation | 5.11 |
Return Density |
| Distribution |
Investment risk management requires an estimate of the probability of extreme price changes. Therefore, the correct representation of the distribution of Oportun Financial historical returns presented in an easy-to-digest graphical form helps investors and money managers understand the risk-reward trade-off of different investement strategies.
Oportun Stock Institutional Investors
The Oportun Financial's institutional investors refer to entities that pool money to purchase Oportun Financial's securities or originate loans. These institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds.
| Shares | Madrone Advisors Llc | 2024-12-31 | 540.6 K | Union Square Park Capital Management, Llc | 2024-12-31 | 532.9 K | Two Sigma Advisers, Llc | 2024-12-31 | 508.5 K | Renaissance Technologies Corp | 2024-12-31 | 424.6 K | Kennedy Capital Management Inc | 2024-09-30 | 345.8 K | Geode Capital Management, Llc | 2024-12-31 | 317.1 K | Two Sigma Investments Llc | 2024-12-31 | 312.6 K | Marshall Wace Asset Management Ltd | 2024-12-31 | 290.3 K | Bridgeway Capital Management, Llc | 2024-12-31 | 237.7 K | Findell Capital Management Llc | 2024-12-31 | 3.5 M | Long Focus Capital Management, Llc | 2024-12-31 | 1.7 M |
Oportun Financial Cash Flow Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Investments | 43.0M | (884.8M) | (1.1B) | (445.0M) | (193.7M) | (203.4M) | |
| Change In Cash | 32.5M | 24.4M | 10.8M | 2.2M | 8.6M | 15.9M | |
| Net Borrowings | 225.0M | (135.3M) | 748.9M | 943.2M | 1.1B | 1.1B | |
| Free Cash Flow | 126.3M | 136.9M | 199M | 361.5M | 374.3M | 197.3M | |
| Depreciation | 20.2M | 27.1M | 47.5M | 54.9M | 51.2M | 27.6M | |
| Other Non Cash Items | 207.1M | 64.0M | 314.7M | 520.3M | 451.3M | 473.9M | |
| Capital Expenditures | 26.6M | 26.5M | 48.9M | 31.3M | 19.2M | 25.8M | |
| Net Income | (45.1M) | 47.4M | (77.7M) | (180.0M) | (78.7M) | (74.8M) | |
| End Period Cash Flow | 168.6M | 193M | 203.8M | 206.0M | 214.6M | 160.0M | |
| Change To Netincome | 127.6M | 22.6M | 102.7M | 166.8M | 191.9M | 201.4M |
Oportun Financial Greeks
Most traded equities are subject to two types of risk - systematic (i.e., market) and unsystematic (i.e., nonmarket or company-specific) risk. Unsystematic risk is the risk that events specific to Oportun Financial or Consumer Finance sector will adversely affect the stock's price. This type of risk can be diversified away by owning several different stocks in different industries whose stock prices have shown a small correlation to each other. On the other hand, systematic risk is the risk that Oportun Financial's price will be affected by overall stock market movements and cannot be diversified away. So, no matter how many positions you have, you cannot eliminate market risk. However, you can measure a Oportun stock's historical response to market movements and buy it if you are comfortable with its volatility direction. Beta and standard deviation are two commonly used measures to help you make the right decision.
α | Alpha over Dow Jones | 1.35 | |
β | Beta against Dow Jones | 1.12 | |
σ | Overall volatility | 5.17 | |
Ir | Information ratio | 0.26 |
Oportun Financial Volatility Alert
Oportun Financial Corp shows above-average downside volatility for the selected time horizon. Understanding different market volatility trends often help investors to time the market. Properly using volatility indicators enable traders to measure Oportun Financial's stock risk against market volatility during both bullish and bearish trends. The higher level of volatility that comes with bear markets can directly impact Oportun Financial's stock price while adding stress to investors as they watch their shares' value plummet. This usually forces investors to rebalance their portfolios by buying different financial instruments as prices fall.Oportun Financial Fundamentals Vs Peers
Comparing Oportun Financial's fundamentals to the average values of its peers is one of the most widely used and accepted methods of equity analyses. It helps to analyze Oportun Financial's direct or indirect competition across all of the common fundamentals between Oportun Financial and the related equities. This way, we can detect undervalued stocks with similar characteristics as Oportun Financial or determine the stocks which would be an excellent addition to an existing portfolio. Peer analysis of Oportun Financial's fundamental indicators could also be used in its relative valuation, which is a method of valuing Oportun Financial by comparing valuation metrics with those of similar companies.
| Better Than Average | Worse Than Average | Compare Oportun Financial to competition |
| Fundamentals | Oportun Financial | Peer Average |
| Return On Equity | -0.21 | -0.31 |
| Return On Asset | -0.0237 | -0.14 |
| Profit Margin | (0.10) % | (1.27) % |
| Operating Margin | 0.04 % | (5.51) % |
| Current Valuation | 3.02 B | 16.62 B |
| Shares Outstanding | 36.13 M | 571.82 M |
| Shares Owned By Insiders | 9.09 % | 10.09 % |
| Shares Owned By Institutions | 66.57 % | 39.21 % |
| Number Of Shares Shorted | 126.94 K | 4.71 M |
| Price To Earning | 4.23 X | 28.72 X |
| Price To Book | 0.77 X | 9.51 X |
| Price To Sales | 0.34 X | 11.42 X |
| Revenue | 1 B | 9.43 B |
| Gross Profit | 726.77 M | 27.38 B |
| EBITDA | 176.25 M | 3.9 B |
| Net Income | (78.7 M) | 570.98 M |
| Cash And Equivalents | 66.71 M | 2.7 B |
| Cash Per Share | 2.03 X | 5.01 X |
| Total Debt | 18.2 M | 5.32 B |
| Debt To Equity | 4.01 % | 48.70 % |
| Current Ratio | 41.01 X | 2.16 X |
| Book Value Per Share | 9.80 X | 1.93 K |
| Cash Flow From Operations | 393.52 M | 971.22 M |
| Short Ratio | 0.59 X | 4.00 X |
| Earnings Per Share | (1.95) X | 3.12 X |
| Price To Earnings To Growth | (1.04) X | 4.89 X |
| Target Price | 8.5 | |
| Number Of Employees | 2.31 K | 18.84 K |
| Beta | 1.17 | -0.15 |
| Market Capitalization | 259.81 M | 19.03 B |
| Total Asset | 3.23 B | 29.47 B |
| Retained Earnings | (252.53 M) | 9.33 B |
| Net Asset | 3.23 B |
Note: Acquisition by Minetti Carlos of 15000 shares of Oportun Financial at 3.89 subject to Rule 16b-3 [view details]
Oportun Financial Market Momentum
Traders often use several daily momentume indicators to supplement a more traditional technical analysis when analyzing securities such as Oportun . With many different options, investors must choose the best indicators for them and familiarize themselves with how they work. We suggest combining traditional momentum indicators with more near-term forms of technical analysis such as Accumulation Distribution or Daily Balance Of Power. With their quantitative nature, daily value technical indicators can also be incorporated into your automated trading systems.
| Accumulation Distribution | 21264.28 | |||
| Daily Balance Of Power | (0.71) | |||
| Rate Of Daily Change | 0.97 | |||
| Day Median Price | 7.11 | |||
| Day Typical Price | 7.05 | |||
| Price Action Indicator | (0.29) | |||
| Period Momentum Indicator | (0.25) | |||
| Relative Strength Index | 78.07 |
About Oportun Financial Buy or Sell Advice
When is the right time to buy or sell Oportun Financial Corp? Buying financial instruments such as Oportun Stock isn't very hard. However, what challenging for most investors is doing it at the right time to beat the market. Proper market timing is something most people cannot do without sophisticated tools, which help to isolate the right opportunities. Macroaxis provides hands-on modules to deliver winning trades and diversify your portfolios on a daily basis. Most of our advising modules are very easy to use and apply.
Please read more on our stock advisor page.
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Business Supplies
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Additional Tools for Oportun Stock Analysis
When running Oportun Financial's price analysis, check to measure Oportun Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Oportun Financial is operating at the current time. Most of Oportun Financial's value examination focuses on studying past and present price action to predict the probability of Oportun Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Oportun Financial's price. Additionally, you may evaluate how the addition of Oportun Financial to your portfolios can decrease your overall portfolio volatility.