As of 2025-05-31, the Fair Value of Oportun Financial Corp (OPRT) is -5.66 USD. This value is based on the Peter Lynch's Fair Value formula. With the current market price of 6.65 USD, the upside of Oportun Financial Corp is -185.16%.
With the market price of 6.65 USD and our fair value calculation, Oportun Financial Corp (OPRT) is not a good investment. Investing in OPRT stocks now will result in a potential loss of 185.16%.
Note: valuation result may not be accurate due to the company's negative EPS.
Peter Lynch's formula is:
The earnings growth rate we use in the formula is the average growth rate of net income/earnings over the last 5 years. If the average growth rate is smaller than 5%, we set it to 5%. If it is larger than 25%, we set it to 25%. If the TTM EPS is negative, Peter Lynch Fair Value's result can be unreliable.
| Historical Earnings | ||||||
| 2020-12-31 | 2021-12-31 | 2022-12-31 | 2023-12-31 | 2024-12-31 | 5Y Avg | |
| Net income | -45.10 | 47.40 | -77.70 | -179.95 | -78.68 | -66.81 |
| YoY growth | -173.21% | 205.10% | -263.92% | -131.60% | 56.28% | -61.47% |
| Market Cap (mil) | 249.37 |
| P/E | |
| Forward P/E |
| EPS | -1.13 |
| Avg earnings growth rate | -61.47% |
| TTM earnings | -42.48 |