As of 2026-03-27, the Intrinsic Value of Oportun Financial Corp (OPRT) is 27.81 USD. This OPRT valuation is based on the model Discounted Cash Flows (EBITDA Exit 10Y). With the current market price of 4.71 USD, the upside of Oportun Financial Corp is 490.40%.
The range of the Intrinsic Value is (16.51) - 120.04 USD
Based on its market price of 4.71 USD and our intrinsic valuation, Oportun Financial Corp (OPRT) is undervalued by 490.40%.
| Range | Selected | Upside | |
| a | |||
| DCF (Growth 5y) | (50.73) - 410.62 | (41.37) | -978.3% |
| DCF (Growth 10y) | (43.76) - 945.54 | (24.27) | -615.3% |
| DCF (EBITDA 5y) | (26.87) - 25.33 | (1,234.50) | -123450.0% |
| DCF (EBITDA 10y) | (16.51) - 120.04 | 27.81 | 490.4% |
| Fair Value | 2.84 - 2.84 | 2.84 | -39.77% |
| P/E | 4.16 - 22.37 | 12.45 | 164.4% |
| EV/EBITDA | (37.83) - 4.65 | (17.96) | -481.3% |
| EPV | (69.01) - (88.81) | (78.91) | -1775.4% |
| DDM - Stable | 1.37 - 4.19 | 2.78 | -41.0% |
| DDM - Multi | 3.81 - 11.49 | 6.00 | 27.3% |
| Market Cap (mil) | 209.59 |
| Beta | 1.84 |
| Outstanding shares (mil) | 44.50 |
| Enterprise Value (mil) | 2,903.57 |
| Market risk premium | 4.60% |
| Cost of Equity | 24.63% |
| Cost of Debt | 15.00% |
| WACC | 11.50% |