OPRT's Quality Score fell 2 points on Fri, Oct 30, to 14. Buying volume slipped off its 20-day high (2 chart checks stopped).
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Up 93% in a year while the S&P 500 rose 12%.
“The increase was due to the higher net revenue and lower operating expenses.”
| Since its Nov 2021 high | Down 64% |
| Its score | Up:Above Average or better for 42 days in a row |
| Latest filing | 10-Q, Aug 6 |
ReportReports tomorrow, after the close. Every 3 months, a company tells everyone how much it sold and earned. It rose after 2 and fell after 2 of its last 4 reports, +7.3% on average. Past reports ›
After its last 4 reports it closed +7.3% on average, higher 2 of 4 times.
Above Averagefor quality, not price, 6 of 14 chart checks firingWhat the Quality Score means
OPRT is #1 of 10 by Quality Score among Consumer Finance & Fintech.
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Reports Tue Nov 3, after the close (tomorrow). Confirmed.
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
The figures are not read from the release yet.
“Adjusted EBITDA grew 56% to $49 million, up from $31 million in the prior-year quarter, primarily driven by lower interest expense and Adjusted Operating Expense.”
OPRT's results filing gives no sales by line in a table we read.
| Measure | Figure |
|---|---|
| GAAP operating expenses | substantially flat |
“Management continues to expect to grow originations in the mid-single-digits range over the course of full year 2026.”
From its results filing (SEC filing · Aug 5)
Sales grew 10% a year over 5 years, fiscal 2020 to 2025.
Its share count grew 12% a year over 5 years.
| Reported | Gap | Reaction | 5 sessions |
|---|---|---|---|
| Aug 5, 2026 | +11.2% | +32.8% | +24.1% |
| May 7, 2026 | -4.2% | -0.1% | -6.4% |
| Feb 26, 2026 | -7.3% | -5.1% | -3.5% |
Sales grew in four of the last seven years, to $957M in 2025. It turned a profit in 2025 after a loss in 2024.
2 insiders sold $55K across 3 filings in the last 6 months. No open-market buys on record. The newest:
Officers and directors with a Form 4 in the last 12 months.
In ETFs: OPRT is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.
Oportun Financial Corp is engaged in providing financial services to people who either do not have a credit score or who may have a limited credit history. The company offers Personal Loans, Auto Loans, unsecured personal loans, and secured personal loans, and provides deposit accounts, debit card services, and other transaction services to its customers. Its product offerings include small-dollar, unsecured installment loans and other products and services.
“In consumer finance, we compete with other consumer finance companies, financial technology companies and financial institutions, as well as other nonbank lenders serving consumers who do not have access to mainstream credit, including online marketplace lenders, point-of-sale lending, payday lenders, and auto title lenders and pawn shops focused on underserved borrowers.”
OPRT scores 14 today, which Breakaway calls Above Average. It is #1 of 10 in Consumer Finance & Fintech by Quality Score, with 6 of 14 chart checks firing. Up 93% in a year while the S&P 500 rose 12%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
OPRT scores 14 today, which Breakaway calls Above Average (11 to 14). That is #1 of 10 in Consumer Finance & Fintech by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind OPRT's 14.
2 insiders sold $55K across 3 filings in the last 6 months. No open-market buys on record. The newest is Kathleen I. Layton, Chief Legal Officer, who sold $33K on Sep 10. Every filing, with the scored weight, for Pro members.
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