OPRT
Oportun Financial
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: OPRT
- PE Ratio
The current PE ratio for Oportun Financial stock as of Jul 24, 2026 is 14.71. This is calculated based on the TTM EPS of $0.38 and the stock price of $5.59 per share.
OPRT PE ratio history
The average historical PE ratio of Oportun Financial for the last seven years is 17.95. The current P/E ratio of 14.71 is 18% lower than the historical average. Looking back at the last seven years, OPRT's PE ratio peaked in the Dec 2019 quarter at 51.74, when the price was $23.8 and the EPS was $0.46. The lowest point was in the Jun 2022 quarter, when it reached 3.38 with a price of $8.27 and an EPS of $2.45.
Oportun Financial PE ratio by year
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 9.8 | N/A | $5.29 | $0.54 |
| 2024 | N/A | N/A | $3.88 | -$1.95 |
| 2023 | N/A | N/A | $3.91 | -$4.88 |
| 2022 | N/A | N/A | $5.51 | -$2.37 |
| 2021 | 12.05 | N/A | $20.25 | $1.68 |
| 2020 | N/A | N/A | $19.37 | -$1.65 |
| 2019 | 51.74 | N/A | $23.8 | $0.46 |
| 2018 | N/A | N/A | N/A | $6.42 |
| 2017 | N/A | N/A | N/A | -$4.22 |
| 2016 | N/A | N/A | N/A | $1.83 |
Oportun Financial PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 12.13 | 23.78% | $4.61 | $0.38 |
| Dec 2025 | 9.8 | 15.98% | $5.29 | $0.54 |
| Sep 2025 | 8.45 | N/A | $6.17 | $0.73 |
| Jun 2025 | N/A | N/A | $7.16 | -$0.13 |
| Mar 2025 | N/A | N/A | $5.49 | -$1.06 |
| Dec 2024 | N/A | N/A | $3.88 | -$1.95 |
| Sep 2024 | N/A | N/A | $2.81 | -$3.29 |
| Jun 2024 | N/A | N/A | $2.9 | -$3.09 |
| Mar 2024 | N/A | N/A | $2.43 | -$2.72 |
| Dec 2023 | N/A | N/A | $3.91 | -$4.88 |
| Sep 2023 | N/A | N/A | $7.22 | -$4.21 |
| Jun 2023 | N/A | N/A | $5.97 | -$6.87 |
| Mar 2023 | N/A | N/A | $3.86 | -$6.74 |
| Dec 2022 | N/A | N/A | $5.51 | -$2.37 |
| Sep 2022 | N/A | N/A | $4.37 | -$1.58 |
OPRT Price vs fair value
OPRT average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
The current PE ratio of OPRT is higher than its 5-year average.
PE comparison
With a price to earnings (P/E) of 14.71, OPRT ranks higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 13.51, Oportun Financial's price to earnings (P/E) is 9% higher.
OPRT PE vs peers
OPRT's PE ratio stands higher than its peer stock RM.
| Stock name | PE ratio | Market cap |
|---|---|---|
| RM Regional Management Corp | 7.96 | $383.52M |
| OPRT Oportun Financial Corp | 14.71 | $255.68M |
Frequently asked questions
What is Oportun Financial's PE ratio?
The price to earnings ratio for OPRT stock as of Jul 24, 2026, stands at 14.71.
What is the 5-year average PE ratio for Oportun Financial (OPRT)?
Over the last 5 years, the average price to earnings ratio for OPRT stock is 9.6.
What is the highest PE ratio for OPRT?
The highest quarterly PE ratio in the last seven years has been 51.74 and it was in the Dec 2019 quarter.
How does the current PE ratio for OPRT compare to its historical average?
The current PE ratio of OPRT is 18% lower than the 7-year historical average.
How is OPRT's PE ratio calculated (Oportun Financial PE ratio formula)?
The P/E ratio is obtained by dividing the latest price of a stock by its trailing twelve months EPS. As of today (Jul 24, 2026), Oportun Financial's share price is $5.59. The company's earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $0.38. Therefore, Oportun Financial's PE ratio for today is 14.71. PE RATIO(14.71) = STOCK PRICE($5.59) / TTM EPS($0.38)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.