What is the intrinsic value of OPRT?
As of 2025-12-26, the Intrinsic Value of Oportun Financial Corp (OPRT) is
3.46 USD. This OPRT valuation is based on the model Peter Lynch Fair Value.
With the current market price of 5.41 USD, the upside of Oportun Financial Corp is
-35.96%.
Is OPRT undervalued or overvalued?
Based on its market price of 5.41 USD and our intrinsic valuation, Oportun Financial Corp (OPRT) is overvalued by 35.96%.
OPRT Intrinsic Value - Valuation Summary
|
Range |
Selected |
Upside |
| a |
| DCF (Growth 5y) |
(2,275.99) - (128.44) |
(189.83) |
-3608.9% |
| DCF (Growth 10y) |
(189.14) - (5,458.14) |
(335.11) |
-6294.2% |
| DCF (EBITDA 5y) |
(168.08) - (307.48) |
(1,234.50) |
-123450.0% |
| DCF (EBITDA 10y) |
(241.79) - (710.44) |
(1,234.50) |
-123450.0% |
| Fair Value |
3.46 - 3.46 |
3.46 |
-35.96% |
| P/E |
6.53 - 12.75 |
10.08 |
86.4% |
| EV/EBITDA |
(34.89) - 26.76 |
(7.59) |
-240.2% |
| EPV |
(68.93) - (92.00) |
(80.47) |
-1587.4% |
| DDM - Stable |
1.54 - 3.38 |
2.46 |
-54.5% |
| DDM - Multi |
(17.69) - (33.01) |
(23.28) |
-530.3% |
OPRT Intrinsic Value - Key Valuation Metrics
| Market Cap (mil) |
238.74 |
| Beta |
1.88 |
| Outstanding shares (mil) |
44.13 |
| Enterprise Value (mil) |
2,864.65 |
| Market risk premium |
4.60% |
| Cost of Equity |
28.94% |
| Cost of Debt |
14.55% |
| WACC |
12.16% |