OPRT trades 86.3% below Wall Street's consensus target of $10.88.
Last 12 months price action with 12-month analyst target path
The base valuation assumes OPRT achieves its forward estimates and maintains a stable P/E multiple of 3.7x. This scenario reflects the blended consensus of 8 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of July 7, 2026, Oportun Financial Corporation (OPRT) has a Wall Street consensus price target of $10.88, based on estimates from 8 covering analysts. With the stock currently trading at $5.84, this represents a potential upside of +86.3%. The company has a market capitalization of $267M.
Analyst price targets range from a low of $3.50 to a high of $24.00, representing a 188% spread in expectations. The median target of $8.00 differs from the mean, suggesting potential outlier estimates. The wide target spread reflects significant disagreement on fair value.
The current analyst consensus rating is Hold, with 3 analysts rating the stock as a Buy or Strong Buy,5 rating it Hold, and 0 rating it Sell or Strong Sell. The mixed ratings reflect uncertainty about near-term direction.
From a valuation perspective, OPRT trades at a trailing P/E of 11.0x and forward P/E of 3.7x. Analysts expect EPS to grow +324.6% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $8.75, with bear and bull scenarios of $5.51 and $11.52 respectively. Model confidence stands at 55/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
ENVAEnova International, Inc. | $5.9B | $234.78 | $226.67 | -3.5% | Buy | 14.3x | 10 |
WRLDWorld Acceptance Corporation | $936M | $201.61 | — | — | Hold | 28.5x | 10 |
RMRegional Management Corp. | $394M | $41.89 | — | — | Hold | 7.5x | 16 |
PRAAPRA Group, Inc. | $699M | $18.33 | $25.00 | +36.4% | Hold | 7.3x | 13 |
LDIloanDepot, Inc. | $399M | $1.19 | $2.40 | +101.7% | Hold | — | 12 |
ATLCAtlanticus Holdings Corporation | $1.4B | $95.83 | $139.50 | +45.6% | Buy | 10.2x | 6 |
CACCCredit Acceptance Corporation | $6.9B | $657.20 | $540.00 | -17.8% | Hold | 13.6x | 18 |
NAVINavient Corporation | $789M | $8.39 | $8.67 | +3.3% | Hold | 11.7x | 24 |
SLMSLM Corporation | $5.1B | $25.53 | $30.80 | +20.6% | Buy | 8.1x | 25 |
QFINQfin Holdings, Inc. | $2.0B | $15.27 | $15.33 | +0.4% | Buy | 0.6x | 4 |
Quick answers to the most common questions about buying OPRT stock.
The consensus Wall Street price target for OPRT is $10.88, representing 86.3% upside from the current price of $5.84. With 8 analysts covering the stock, this strong upside suggests significant value not yet reflected in today's share price.
OPRT has a consensus rating of "Hold" based on 8 Wall Street analysts. The rating breakdown is mixed, with 5 Hold ratings making up the largest segment. The consensus 12-month price target of $10.88 implies 86.3% upside from current levels.
With a forward P/E of 3.7316x, OPRT trades at a relatively low valuation. The consensus target of $10.88 implies 86.3% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $24 for OPRT, while the most conservative target is $3.5. The consensus of $10.88 represents the median expectation. Our quantitative valuation model projects a bull case target of $12 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
OPRT is moderately covered, with 8 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 5 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month OPRT stock forecast based on 8 Wall Street analysts shows a consensus price target of $10.88, with estimates ranging from $3.5 (bear case) to $24 (bull case). The median consensus rating is "Hold". Our proprietary valuation model produces a base case fair value of $9, with bear/bull scenarios of $6/$12.
Our quantitative valuation model calculates OPRT's fair value at $9 (base case), with a bear case of $6 and bull case of $12. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 55/100.
OPRT trades at a forward P/E ratio of 3.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 11.0x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are very optimistic on OPRT, with a "Hold" consensus rating and $10.88 price target (86.3% upside). 3 of 8 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
OPRT analyst price targets range from $3.5 to $24, a 188% wide spread indicating significant analyst disagreement. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $10.88 consensus represents the middle ground. Our model's $6-$12 range provides an independent fundamental perspective.
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