Oportun Financial (NASDAQ:OPRT) Updates Q4 2025 Earnings Guidance

Oportun Financial (NASDAQ:OPRT) issued an update on its fourth quarter 2025 earnings guidance on Wednesday morning. The company provided earnings per share guidance of 0.230-0.270 for the period, compared to the consensus earnings per share estimate of 0.250. The company issued revenue guidance of $246.0 million-$248.0 million, compared to the consensus revenue estimate of $241.8 million. Oportun Financial also updated its FY 2025 guidance to 1.320-1.360 EPS.

Analyst Ratings Changes

OPRT has been the subject of several research analyst reports. Weiss Ratings restated a “sell (d+)” rating on shares of Oportun Financial in a report on Monday, December 29th. Wall Street Zen downgraded Oportun Financial from a “strong-buy” rating to a “buy” rating in a research report on Tuesday. Zacks Research cut shares of Oportun Financial from a “strong-buy” rating to a “hold” rating in a research report on Monday, October 6th. Finally, JPMorgan Chase & Co. upgraded shares of Oportun Financial from an “underweight” rating to a “neutral” rating and set a $5.50 price objective for the company in a research report on Monday, January 12th. Two research analysts have rated the stock with a Buy rating, four have assigned a Hold rating and one has given a Sell rating to the company’s stock. According to data from MarketBeat, Oportun Financial has a consensus rating of “Hold” and a consensus target price of $8.50.

Oportun Financial Price Performance

Shares of Oportun Financial stock traded down $0.01 on Wednesday, reaching $4.84. The company had a trading volume of 744,220 shares, compared to its average volume of 260,107. The firm has a market cap of $213.59 million, a price-to-earnings ratio of 7.33 and a beta of 1.21. The firm’s 50-day moving average price is $5.18 and its two-hundred day moving average price is $5.76. Oportun Financial has a 1 year low of $3.67 and a 1 year high of $9.24.

Oportun Financial (NASDAQ:OPRT) last issued its quarterly earnings results on Wednesday, November 5th. The company reported $0.39 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $0.26 by $0.13. The company had revenue of $238.69 million during the quarter, compared to the consensus estimate of $238.52 million. Oportun Financial had a return on equity of 17.61% and a net margin of 3.19%. As a group, analysts anticipate that Oportun Financial will post 0.94 EPS for the current year.

Hedge Funds Weigh In On Oportun Financial

Several hedge funds have recently added to or reduced their stakes in OPRT. Cannell Capital LLC increased its holdings in Oportun Financial by 7,067.0% during the 2nd quarter. Cannell Capital LLC now owns 1,601,244 shares of the company’s stock worth $11,465,000 after purchasing an additional 1,578,902 shares during the period. Vanguard Group Inc. grew its position in shares of Oportun Financial by 30.4% during the 3rd quarter. Vanguard Group Inc. now owns 2,106,640 shares of the company’s stock worth $12,998,000 after buying an additional 490,608 shares in the last quarter. Geode Capital Management LLC increased its stake in shares of Oportun Financial by 131.6% during the second quarter. Geode Capital Management LLC now owns 776,844 shares of the company’s stock valued at $5,563,000 after buying an additional 441,392 shares during the period. Millennium Management LLC increased its stake in shares of Oportun Financial by 28.9% during the first quarter. Millennium Management LLC now owns 1,936,797 shares of the company’s stock valued at $10,633,000 after buying an additional 433,827 shares during the period. Finally, Invesco Ltd. raised its holdings in shares of Oportun Financial by 246.5% in the second quarter. Invesco Ltd. now owns 484,492 shares of the company’s stock valued at $3,469,000 after acquiring an additional 344,659 shares in the last quarter. 82.70% of the stock is currently owned by institutional investors.

About Oportun Financial

Oportun Financial Corporation (NASDAQ: OPRT) is a financial technology company that provides consumer lending products aimed at serving the underbanked and credit-invisible population in the United States. Headquartered in Redwood City, California, Oportun operates a digital platform that enables borrowers to access credit through unsecured personal installment loans, secured credit-builder loans and a proprietary mobile wallet. The company leverages machine learning and alternative data sources to assess creditworthiness, extending financial services to customers with limited or no traditional credit history.

The company’s core offerings include fixed-term installment loans designed to help individuals cover unexpected expenses, consolidate debt or build credit.