Core Viewpoint - Oportun Financial Corporation (OPRT) has shown a significant price increase of 21.1% over the past four weeks, with a mean price target of $8.55 indicating a potential upside of 31.7% from the current price of $6.49 [1] Price Target Analysis - The average price target consists of five estimates ranging from a low of $6.50 to a high of $11, with a standard deviation of $2.03, suggesting variability in analyst predictions [2] - The lowest estimate indicates a minimal increase of 0.2%, while the highest estimate suggests a substantial upside of 69.5% [2] - A low standard deviation indicates a higher agreement among analysts regarding the stock's price movement [7] Earnings Estimates and Analyst Sentiment - Analysts have shown increasing optimism about OPRT's earnings prospects, with a strong consensus in revising EPS estimates higher, which correlates with potential stock price increases [9] - The Zacks Consensus Estimate for the current year has risen by 20.8% over the past month, with three estimates increasing and no negative revisions [10] - OPRT holds a Zacks Rank 1 (Strong Buy), placing it in the top 5% of over 4,000 ranked stocks based on earnings estimate factors, indicating strong potential for upside [11] Caution on Price Targets - Solely relying on consensus price targets for investment decisions may not be prudent, as analysts' ability to set accurate targets has been questioned [3][5] - Analysts often set optimistic price targets influenced by business relationships, which can lead to inflated estimates [6] - While price targets should not be ignored, they should be approached with skepticism, as they may not reliably indicate actual stock price movements [8]

Since its establishment in 2005, Oportun Financial Corporation (NASDAQ: OPRT ) has maintained its mission-driven focus to deliver responsible and affordable credit solutions to low- and moderate-income borrowers. Oportun received Community Development Financial Institution (CDFI) recognition through its distribution ofThe mission of Grassroots Trading rests on the following principles: providing objective, unbiased, and balanced research, backed by solid data and completely void of emotional influences or p ...

Company Performance - Oportun Financial Corporation (OPRT) shares have increased by 116.8% over the past month, reaching a new 52-week high of $9.25 [1] - The stock has gained 112.4% since the beginning of the year, outperforming the Zacks Finance sector's 6.4% and the Zacks Financial - Miscellaneous Services industry's 4.9% [1] Earnings and Revenue Expectations - For the current fiscal year, Oportun Financial is projected to report earnings of $1.18 per share on revenues of $963.09 million, reflecting a 63.89% increase in EPS and a -3.86% change in revenues [3] - For the next fiscal year, earnings are expected to rise to $1.67 per share on $1.03 billion in revenues, indicating a year-over-year change of 41.25% in EPS and 7.45% in revenues [3] Valuation Metrics - Oportun Financial has a Value Score of A, a Growth Score of A, and a Momentum Score of F, resulting in a combined VGM Score of A [6] - The stock currently trades at 7X current fiscal year EPS estimates, below the peer industry average of 10.3X, and at 5X trailing cash flow compared to the peer group's average of 9.7X [7] Zacks Rank - Oportun Financial holds a Zacks Rank of 1 (Strong Buy) due to favorable earnings estimate revisions from analysts [8] - The stock meets the criteria for selection, as it carries a Zacks Rank of 1 or 2 and Style Scores of A or B, indicating potential for future growth [9] Industry Comparison - The Financial - Miscellaneous Services industry is performing well, with Oportun Financial and peers like Globe Life Inc. showing strong fundamentals [12] - Globe Life Inc. has a Zacks Rank of 2 (Buy) and is expected to post earnings of $13.87 per share on revenues of $6.08 billion for the current fiscal year [11]

Employee Statistics and Engagement - As of December 31, 2024, the company had 2,312 full-time and 117 part-time employees worldwide, including 361 corporate employees in the United States[61] - Approximately 75% of employees participated in the 2024 engagement survey, with 80% reporting satisfaction and 84% expressing pride in working at the company[64] - The company has been recognized as a Greater Bay Area Top Workplace for the past six years due to its employee engagement efforts[64] Cost-Saving Measures - The company reduced its corporate staff by approximately 47% in the United States, India, and Mexico as part of cost-saving measures[61] Diversity and Inclusion - The company has nine employee resource groups focused on various underrepresented communities, reflecting its commitment to diversity and inclusion[64] Cybersecurity and Business Continuity - The company maintains a comprehensive cybersecurity program, including mandatory employee training and real-time monitoring of security events[54] - The company has implemented disaster recovery and business continuity plans to ensure service availability across critical functions[55] Intellectual Property - The company has no patent applications on its proprietary risk model or underwriting process, considering them trade secrets[57] - The company has trademark rights in its name and logo, with registrations in the United States and other jurisdictions[58] Compensation and Benefits - The company regularly reviews its compensation against market practices to ensure competitiveness, offering various benefits including annual bonuses and a 401(k) plan[64]

Singular Research Reports on Oportun Financial's Q4 and Full Year 2024 ResultsFebruary 14, 2025 5:02 PM EST | Source: Singular ResearchLos Angeles, California--(Newsfile Corp. - February 14, 2025) - Singular Research, a leading provider of independent research on small-cap companies, today released its analysis of Oportun Financial Corporation's (NASDAQ: OPRT) fourth quarter and full year 2024 financial results.A link to the report is available here: https://files.constantcontact.com/1683279a6 ...

Oportun Financial Corporation (NASDAQ:OPRT) Q4 2024 Earnings Conference Call February 12, 2025 5:00 PM ET Company Participants Dorian Hare - SVP, IR Raul Vazquez - CEO Jonathan Coblentz - CFO & CAO Conference Call Participants Rick Shane - JP Morgan John Hecht - Jefferies Hal Goetsch - B. Riley Securities Gowshi Sri - Singular Research Brendan McCarthy - Sidoti Vincent Caintic - BTIG Operator Good afternoon, and welcome to Oportun Financial's Fourth Quarter 2024 Earnings Call. At this time, all participants ...

4Q 2024 Earnings Presentation February 12, 2025 1 Forward-looking statements This presentation and the accompanying oral presentation contain forward-looking statements. All statements other than statements of historical fact contained in this presentation and the accompanying oral presentation, including statements as to future performance, results of operations and financial position; achievement of our strategic priorities and goals; our expectations regarding loan origination growth; our expectation reg ...

Oportun Reports Fourth Quarter and Full Year 2024 Financial Results Returned to GAAP profitability with net income of $9 million in fourth quarter Fourth Quarter and Full Year 2024 Results | Metric | GAAP | | | | Adjusted | 1 | | | --- | --- | --- | --- | --- | --- | --- | --- | | | 4Q24 | 4Q23 | FY24 | FY23 | 2 4Q24 4Q23 | FY24 | 2 FY23 | | Total revenue | $251 | $263 | $1,002 | $1,057 | | | | | Net income (loss) | $9 | $(42) | ($79) | ($180) | $22 $(8.2) | $29 | $(71) | | Diluted EPS | $0.20 | $(1.09) | ( ...

Returned to GAAP profitability with net income of $9 million in fourth quarter Adjusted EBITDA of $41 million, up 315% year-over-year Quarterly annualized net charge-off rate of 11.7%, lowest since third quarter of 2022 Total quarterly operating expenses of $89 million, reduced 31% year-over-year Raising full year 2025 expectations   SAN CARLOS, Calif., Feb. 12, 2025 (GLOBE NEWSWIRE) -- Oportun Financial Corporation (NASDAQ:OPRT) ("Oportun", or the "Company") reported financial results today for the fourth ...

SAN CARLOS, Calif., Jan. 29, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, will release financial results for its fourth quarter 2024 on Wednesday, February 12, 2025, after market close. Oportun will host a conference call and earnings webcast to discuss results on Wednesday, February 12, 2025, at 5:00 pm ET / 2:00 pm PT. A live webcast of the call will be accessible from Oportun’s investor relations website at investor.oportun.com, and a webcast replay of the ...