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Oportun Financial (OPRT)

Market Price (2/5/2026): $5.455 | Market Cap: $254.8 Mil
Sector: Financials | Industry: Consumer Finance

Oportun Financial (OPRT)

Market Price (2/5/2026): $5.455
Market Cap: $254.8 Mil
Sector: Financials
Industry: Consumer Finance

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.9%, FCF Yield is 146%		 Weak multi-year price returns
3Y Excs Rtn is -90%		 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 1035%
1 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 49%		  Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -6.5%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 97%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 91%		  Key risks
OPRT key risks include [1] the underperformance of its AI underwriting model in predicting loan performance and credit losses, Show more.
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and Artificial Intelligence. Themes include Online Banking & Lending, and AI-Powered Credit Underwriting. 		  
0 Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 7.9%, FCF Yield is 146%
1 Strong revenue growth
Rev Chg LTMRevenue Change % Last Twelve Months (LTM) is 49%
2 Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 97%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 91%
3 Megatrend and thematic drivers
Megatrends include Fintech & Digital Payments, and Artificial Intelligence. Themes include Online Banking & Lending, and AI-Powered Credit Underwriting.
4 Weak multi-year price returns
3Y Excs Rtn is -90%
5 Debt is significant
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 1035%
6 Weak revenue growth
Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -6.5%
7 Key risks
OPRT key risks include [1] the underperformance of its AI underwriting model in predicting loan performance and credit losses, Show more.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

AI Analysis | Feedback

Oportun Financial (OPRT) stock has remained largely at the same level since 10/31/2025 because of the following key factors:

1. Oportun Financial reported strong third-quarter 2025 financial results and subsequently raised its full-year guidance. The company announced adjusted earnings per share (EPS) of $0.39, surpassing analyst estimates of $0.28, and revenue of $239 million, slightly above the anticipated $238.8 million. This marked Oportun's fourth consecutive quarter of GAAP profitability. Additionally, Oportun increased its full-year adjusted EPS guidance for 2025 to $1.30–$1.40 and committed to cutting full-year operating expenses by $10 million.

2. The company released preliminary fourth-quarter and full-year 2025 results that exceeded its previous guidance. On January 21, 2026, Oportun announced it expects to meet or outperform its year-end 2025 guidance metrics. Preliminary fourth-quarter total revenue was projected at $246-$248 million, exceeding the guidance of $241-$246 million. The annualized net charge-off rate for the fourth quarter was 12.3%, better than the projected 12.45%. For the full year 2025, total revenue is expected between $955-$957 million, above the guidance of $950-$955 million, and the annualized net charge-off rate of 12.0% outperformed the 12.1% guidance. Adjusted EBITDA for the fourth quarter was also projected significantly higher at $40-$42 million compared to the $31-$37 million guidance. This positive preliminary report caused the stock to jump 7.4% in after-hours trading.

Show more

Stock Movement Drivers

Fundamental Drivers

The 2.4% change in OPRT stock from 10/31/2025 to 2/4/2026 was primarily driven by a 11.6% change in the company's Total Revenues ($ Mil).
(LTM values as of)103120252042026Change
Stock Price ($)5.335.462.4%
Change Contribution By: 
Total Revenues ($ Mil)36640911.6%
P/S Multiple0.70.6-7.9%
Shares Outstanding (Mil)4747-0.3%
Cumulative Contribution2.4%

LTM = Last Twelve Months as of date shown

Market Drivers

10/31/2025 to 2/4/2026
ReturnCorrelation
OPRT2.4% 
Market (SPY)0.6%38.5%
Sector (XLF)3.0%37.9%

Fundamental Drivers

The -10.9% change in OPRT stock from 7/31/2025 to 2/4/2026 was primarily driven by a -28.0% change in the company's P/S Multiple.
(LTM values as of)73120252042026Change
Stock Price ($)6.135.46-10.9%
Change Contribution By: 
Total Revenues ($ Mil)32240927.0%
P/S Multiple0.90.6-28.0%
Shares Outstanding (Mil)4547-2.6%
Cumulative Contribution-10.9%

LTM = Last Twelve Months as of date shown

Market Drivers

7/31/2025 to 2/4/2026
ReturnCorrelation
OPRT-10.9% 
Market (SPY)8.9%43.1%
Sector (XLF)3.4%42.6%

Fundamental Drivers

The 18.7% change in OPRT stock from 1/31/2025 to 2/4/2026 was primarily driven by a 49.2% change in the company's Total Revenues ($ Mil).
(LTM values as of)13120252042026Change
Stock Price ($)4.605.4618.7%
Change Contribution By: 
Total Revenues ($ Mil)27440949.2%
P/S Multiple0.70.6-7.0%
Shares Outstanding (Mil)4047-14.4%
Cumulative Contribution18.7%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2025 to 2/4/2026
ReturnCorrelation
OPRT18.7% 
Market (SPY)15.0%40.5%
Sector (XLF)5.9%42.3%

Fundamental Drivers

The -22.1% change in OPRT stock from 1/31/2023 to 2/4/2026 was primarily driven by a -37.8% change in the company's Total Revenues ($ Mil).
(LTM values as of)13120232042026Change
Stock Price ($)7.015.46-22.1%
Change Contribution By: 
Total Revenues ($ Mil)658409-37.8%
P/S Multiple0.40.677.3%
Shares Outstanding (Mil)3347-29.3%
Cumulative Contribution-22.1%

LTM = Last Twelve Months as of date shown

Market Drivers

1/31/2023 to 2/4/2026
ReturnCorrelation
OPRT-22.1% 
Market (SPY)75.1%25.6%
Sector (XLF)54.3%28.5%

Return vs. Risk

Price Returns Compared

 202120222023202420252026Total [1]
Returns
OPRT Return5%-73%-29%-1%36%2%-72%
Peers Return87%-49%93%56%27%-9%234%
S&P 500 Return27%-19%24%23%16%1%84%

Monthly Win Rates [3]
OPRT Win Rate50%25%67%42%50%50% 
Peers Win Rate50%28%55%53%57%10% 
S&P 500 Win Rate75%42%67%75%67%50% 

Max Drawdowns [4]
OPRT Max Drawdown-20%-80%-61%-46%-7%-9% 
Peers Max Drawdown-17%-58%-15%-26%-26%-10% 
S&P 500 Max Drawdown-1%-25%-1%-2%-15%-1% 

[1] Cumulative total returns since the beginning of 2021
[2] Peers: OMF, UPST, LC, OPFI, ENVA.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/4/2026 (YTD)

How Low Can It Go

Unique KeyEventOPRTS&P 500
2022 Inflation Shock2022 Inflation Shock  
2022 Inflation Shock% Loss% Loss-92.2%-25.4%
2022 Inflation Shock% Gain to Breakeven% Gain to Breakeven1190.2%34.1%
2022 Inflation ShockTime to BreakevenTime to BreakevenNot Fully Recovered days464 days
2020 Covid Pandemic2020 Covid Pandemic  
2020 Covid Pandemic% Loss% Loss-77.8%-33.9%
2020 Covid Pandemic% Gain to Breakeven% Gain to Breakeven350.8%51.3%
2020 Covid PandemicTime to BreakevenTime to Breakeven469 days148 days

Compare to OMF, UPST, LC, OPFI, ENVA

In The Past

Oportun Financial's stock fell -92.2% during the 2022 Inflation Shock from a high on 11/12/2021. A -92.2% loss requires a 1190.2% gain to breakeven.

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Asset Allocation

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About Oportun Financial (OPRT)

Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.

AI Analysis | Feedback

Here are 1-3 brief analogies for Oportun Financial (OPRT):

  • Capital One for the underbanked
  • A Chime for personal loans and credit building
  • A specialized version of Discover Bank for emerging credit consumers

AI Analysis | Feedback

  • Personal Loans: Provides small-dollar, affordable installment loans designed to help customers manage expenses and build credit history.
  • Credit Cards: Offers credit cards aimed at individuals seeking to build or rebuild their credit score with manageable credit limits.
  • Savings Accounts: Provides savings accounts designed to help customers save money and work towards their financial goals.
  • Checking Accounts: Offers checking accounts, providing a convenient way for customers to manage their everyday finances.

AI Analysis | Feedback

Oportun Financial (OPRT) sells primarily to **individuals** rather than other companies. The company focuses on providing financial services to underserved populations who often lack access to mainstream credit.

The categories of customers that Oportun Financial serves include:

  • Underserved and Underbanked Individuals: This category encompasses individuals who may have limited access to traditional banking services and credit products, often due to various factors such as a lack of credit history or their income levels.
  • Individuals with Limited or No Credit History ("Thin-File" Customers): Oportun specifically targets consumers who are considered "credit invisibles" or have a very limited credit file, making it difficult for them to obtain credit from mainstream lenders.
  • Low to Moderate-Income Earners: The company aims to provide responsible and affordable credit solutions, such as personal loans and credit cards, to individuals who may not meet the eligibility requirements of traditional financial institutions due to their income levels.

AI Analysis | Feedback

  • Salesforce.com, Inc. (CRM)
  • Twilio Inc. (TWLO)
  • TransUnion (TRU)
  • Equifax Inc. (EFX)

AI Analysis | Feedback

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Raul Vazquez

Chief Executive Officer

Raul Vazquez has served as Oportun's CEO since 2012. Under his leadership, Oportun transformed into a publicly traded financial services provider. Prior to joining Oportun, Mr. Vazquez held senior leadership roles at Walmart, including President and CEO of Walmart.com, and Executive Vice President and President of Walmart West. He holds a BS and MS from Stanford University in Industrial Engineering and an MBA from the Wharton School of Business.

Joseph Schueller

Chief Financial Officer

Joseph Schueller was appointed Principal Financial Officer and Principal Accounting Officer of Oportun Financial on July 22, 2025. He joined Oportun as Senior Vice President, Finance – Controller, after having previously worked with the company in a consulting capacity. Prior to Oportun, Mr. Schueller served as SVP, CFO, and Treasurer at North Shore Bank from 2022 to 2025, and as SVP, CFO and Treasurer of Hills Bank & Trust from 2021 to 2022. He has held senior finance positions at several other financial institutions including Cognition Financial Corporation, Santander Bank, N.A., Admirals Bank, and State Street Corporation. Mr. Schueller is a Certified Public Accountant and began his career at PricewaterhouseCoopers. He holds a B.S. in Business – Accounting from the University of Minnesota.

Gonzalo Palacio

Chief Marketing Officer

Gonzalo Palacio serves as Oportun's Chief Marketing Officer. He has extensive experience in designing and scaling financial products. Before joining Oportun, Mr. Palacio served as the CMO for a Fenway Summer credit card startup. His experience also includes 15 years at Capital One, where he held multiple positions including head of consumer deposit products.

Deepak Rao

Chief Technology Officer

Deepak Rao joined Oportun as Chief Technology Officer in 2023. Prior to Oportun, he served as VP of Engineering at SoFi. He also spent nearly two decades at Microsoft in various technology and executive roles. Mr. Rao holds a Master's degree in Computer Engineering and a Bachelor's degree in Computer Engineering from Case Western Reserve University, and is an inventor on 16 patent applications.

Patrick Kirscht

Chief Credit Officer

Patrick Kirscht has led Oportun's risk strategy for over a decade, serving as Chief Credit Officer since October 2015. Previously, he helped facilitate Metris Companies' IPO as head of planning and analysis. After HSBC's acquisition of Metris Companies, he transitioned into risk management at HSBC, becoming senior vice president and managing policy for large credit card portfolios. Mr. Kirscht received a B.S. in Economics with a minor in Statistics, a B.S. in Business, and an M.B.A. from the University of Minnesota.

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AI Analysis | Feedback

The key risks to Oportun Financial (OPRT) include:

  1. Credit Risk and Loan Performance: Oportun Financial faces significant exposure to increases in loan non-payments, delinquencies, and charge-offs, which directly impact its financial health. The company's profitability is sensitive to its ability to manage credit losses, and the effectiveness of its AI model in underwriting and predicting loan performance is crucial to mitigating this risk.
  2. Macroeconomic Conditions and Interest Rate Fluctuations: The company is vulnerable to broader macroeconomic conditions, including fluctuating inflation and market interest rates. A decline in Oportun's interest rate spread or disruptions in credit markets could adversely affect its operations and financial results. Its cost of debt and debt-to-equity ratios have also been subject to increases.
  3. Regulatory and Compliance Risk, and Competitive Landscape: Oportun operates within a highly competitive financial services industry, contending with other fintech firms, traditional banks, credit unions, and payday lenders. The company is also subject to a complex regulatory framework, and changes in laws, regulations, or a failure to comply with existing requirements could lead to adverse consequences and increased regulatory burden, particularly concerning its bank partnership products.

AI Analysis | Feedback

The increasing prominence and product expansion of digital-first neobanks and fintech platforms specifically targeting the underserved and credit-invisible populations. These companies are building primary banking relationships (checking, savings) with this demographic and are increasingly offering small-dollar credit products, such as secured credit cards, small advances, and credit-builder loans. This directly competes with Oportun's core personal loan and credit card offerings for the same customer segment. Their lower-cost digital operating models and ability to deepen customer relationships through primary banking services pose a significant threat to Oportun's customer acquisition and retention strategies, potentially disrupting its specialized lending model by offering a more integrated financial solution.

AI Analysis | Feedback

Oportun Financial Addressable Markets

Oportun Financial (OPRT) primarily focuses on providing personal loans to individuals. The addressable market for Oportun's personal loan products in the U.S. includes an estimated 100 million adults who either have no credit score or have been mis-scored.

AI Analysis | Feedback

Here are the expected drivers of future revenue growth for Oportun Financial (OPRT) over the next 2-3 years:
  1. Growth in Loan Originations: Oportun is poised for a return to growth in its core lending business. The company expects loan originations to increase by approximately 10% year-over-year in Q4 2024 and anticipates higher originations throughout 2025. This signals a strategic shift towards expanding its loan portfolio, which is a primary source of revenue.
  2. Expansion and Diversification of Product Offerings: Oportun plans to broaden its product suite, including personal loans, secured personal loans, and "lending as a service" partnership programs. Notably, secured personal loans have demonstrated significantly lower losses and approximately 75% higher revenue per loan due to larger average loan sizes, suggesting a strategic focus on more profitable loan types.
  3. Improved Portfolio Yield and Optimized Pricing Strategy: The company has seen its portfolio yield increase, indicating an improved pricing strategy on its loans. A sustained focus on optimizing loan pricing will directly contribute to higher revenue generated from its lending activities.
  4. Expansion of Customer Base and Financial Inclusion: As a mission-driven fintech, Oportun focuses on providing financial services to underserved communities, expanding its customer base, and advancing financial inclusion through innovative lending solutions. This commitment is expected to drive organic growth by reaching new customers and leveraging technology to reduce customer acquisition costs.
  5. Technological Advancements and Digital Transformation: Oportun's continued investment in digital transformation and technology-driven solutions, including the use of AI and Machine Learning, is anticipated to enhance operational efficiency, reduce costs, and enable the company to capture new market opportunities through innovative offerings.

AI Analysis | Feedback

Share Repurchases

  • Oportun Financial has not made significant share repurchases over the last 3-5 years.
  • The company reported no retirement or re-issuance of treasury stock for the years ended December 31, 2024, 2023, 2022, and 2021.
  • As of September 2025, Oportun Financial's 1-Year Share Buyback Ratio was -22.60%, indicating no buybacks or potential share issuance.

Share Issuance

  • The number of outstanding shares has steadily increased, from 27.67 million in 2020 to 44.01 million as of November 2025.
  • In 2021, Oportun issued approximately $98.5 million in common stock and/or restricted stock units as part of the consideration for the acquisition of Digit.
  • Annual increases in outstanding shares were 4.1% in 2021, 15.34% in 2022, 15.81% in 2023, 11% in 2024, and 3.02% in 2025 (as of November).

Inbound Investments

  • Oportun has engaged in significant asset-backed securitization offerings, including approximately $538 million in two-year revolving fixed rate asset-backed notes in August 2025.
  • The company completed a $441 million asset-backed securitization in October 2025.
  • In November 2024, Oportun Financial secured senior secured term loans under a new Credit Agreement.

Outbound Investments

  • In 2021, Oportun Financial acquired Hello Digit, a neobanking platform, for approximately $213 million.
  • The acquisition price for Digit was composed of approximately $112.6 million in cash and about $98.5 million in Oportun common stock and/or restricted stock units.
  • This acquisition aimed to expand Oportun's AI and digital capabilities by integrating Digit's automated savings, investing, and banking tools.

Trade Ideas

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Unique Key

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Peer Comparisons

Peers to compare with:

Financials

OPRTOMFUPSTLCOPFIENVAMedian
NameOportun .OneMain Upstart LendingC.OppFi Enova In. 
Mkt Price5.4663.2037.9216.039.10155.7226.98
Mkt Cap0.37.53.71.80.33.92.8
Rev LTM4094,8699599505743,042954
Op Inc LTM----358381369
FCF LTM3723,019-385-2,1513601,705366
FCF 3Y Avg3662,716-153-1,9383121,387339
CFO LTM3963,019-367-2,0093791,751387
CFO 3Y Avg3932,716-139-1,8543251,432359

Growth & Margins

OPRTOMFUPSTLCOPFIENVAMedian
NameOportun .OneMain Upstart LendingC.OppFi Enova In. 
Rev Chg LTM49.2%9.3%73.6%25.7%9.6%21.1%23.4%
Rev Chg 3Y Avg-6.5%5.2%10.8%-4.8%10.3%23.5%7.7%
Rev Chg Q67.8%9.5%70.9%31.9%13.5%16.3%24.1%
QoQ Delta Rev Chg LTM11.6%2.3%13.6%7.3%3.3%3.8%5.6%
Op Mgn LTM----62.3%12.5%37.4%
Op Mgn 3Y Avg----55.9%11.8%33.9%
QoQ Delta Op Mgn LTM----1.2%0.6%0.9%
CFO/Rev LTM96.9%62.0%-38.3%-211.5%66.1%57.6%59.8%
CFO/Rev 3Y Avg117.5%60.0%-16.7%-224.6%61.0%56.6%58.3%
FCF/Rev LTM90.9%62.0%-40.2%-226.5%62.8%56.1%59.0%
FCF/Rev 3Y Avg109.7%60.0%-18.8%-233.9%58.6%54.7%56.7%

Valuation

OPRTOMFUPSTLCOPFIENVAMedian
NameOportun .OneMain Upstart LendingC.OppFi Enova In. 
Mkt Cap0.37.53.71.80.33.92.8
P/S0.61.53.81.90.41.31.4
P/EBIT----0.710.25.5
P/E8.310.6113.817.766.213.315.5
P/CFO0.62.5-10.0-0.90.72.20.7
Total Yield12.0%16.1%0.9%5.6%26.9%7.5%9.8%
Dividend Yield0.0%6.7%0.0%0.0%25.4%0.0%0.0%
FCF Yield 3Y Avg209.0%40.7%-4.3%-106.1%212.1%53.8%47.2%
D/E10.83.00.50.01.31.11.2
Net D/E10.32.90.4-0.41.11.11.1

Returns

OPRTOMFUPSTLCOPFIENVAMedian
NameOportun .OneMain Upstart LendingC.OppFi Enova In. 
1M Rtn4.2%-9.9%-25.2%-20.9%-13.3%-4.1%-11.6%
3M Rtn4.8%5.7%-9.2%-16.3%-8.5%21.7%-1.8%
6M Rtn-13.9%14.0%-43.5%2.2%-19.7%49.3%-5.9%
12M Rtn1.9%24.1%-40.1%21.6%-37.4%37.9%11.7%
3Y Rtn-28.6%87.0%71.6%58.9%314.8%192.2%79.3%
1M Excs Rtn4.5%-9.6%-24.9%-20.6%-13.1%-3.8%-11.3%
3M Excs Rtn1.4%4.3%-20.7%-9.3%-9.9%26.7%-3.9%
6M Excs Rtn-23.0%5.2%-63.4%-8.3%-18.2%40.6%-13.2%
12M Excs Rtn3.4%10.2%-54.8%8.9%-46.6%25.7%6.1%
3Y Excs Rtn-90.3%22.5%30.8%-2.0%258.1%178.8%26.7%

Comparison Analyses

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Financials

Segment Financials

Revenue by Segment
$ Mil20242023202220212020
Single Segment281641530335442
Total281641530335442


Price Behavior

Price Behavior
Market Price$5.46 
Market Cap ($ Bil)0.3 
First Trading Date09/26/2019 
Distance from 52W High-37.2% 
   50 Days200 Days
DMA Price$5.32$5.91
DMA Trendindeterminateup
Distance from DMA2.5%-7.6%
 3M1YR
Volatility65.6%71.6%
Downside Capture230.85196.95
Upside Capture242.93171.44
Correlation (SPY)37.3%40.6%
OPRT Betas & Captures as of 1/31/2026

 1M2M3M6M1Y3Y
Beta2.591.892.112.111.501.46
Up Beta5.003.611.802.400.841.09
Down Beta0.820.911.671.992.252.02
Up Capture309%226%258%187%254%155%
Bmk +ve Days11223471142430
Stock +ve Days8192959121357
Down Capture330%181%216%210%132%109%
Bmk -ve Days9192754109321
Stock -ve Days12212962123372

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with OPRT
OPRT5.6%72.4%0.37-
Sector ETF (XLF)6.4%19.1%0.2043.7%
Equity (SPY)15.9%19.2%0.6441.8%
Gold (GLD)76.1%24.5%2.27-3.7%
Commodities (DBC)9.3%16.5%0.3616.7%
Real Estate (VNQ)4.6%16.5%0.1026.3%
Bitcoin (BTCUSD)-24.7%40.5%-0.6013.7%

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Based On 5-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with OPRT
OPRT-21.6%78.4%0.05-
Sector ETF (XLF)14.7%18.7%0.6432.6%
Equity (SPY)14.2%17.0%0.6631.9%
Gold (GLD)21.5%16.8%1.043.4%
Commodities (DBC)12.1%18.9%0.529.1%
Real Estate (VNQ)5.0%18.8%0.1727.1%
Bitcoin (BTCUSD)18.0%57.4%0.5216.7%

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Based On 10-Year Data
Annualized
Return		Annualized
Volatility		Sharpe
Ratio		Correlation
with OPRT
OPRT-11.3%78.7%0.12-
Sector ETF (XLF)14.2%22.2%0.5937.9%
Equity (SPY)15.7%17.9%0.7535.9%
Gold (GLD)15.6%15.5%0.843.5%
Commodities (DBC)8.3%17.6%0.3913.4%
Real Estate (VNQ)5.9%20.8%0.2533.0%
Bitcoin (BTCUSD)69.3%66.5%1.0917.9%

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Short Interest

Short Interest: As Of Date1152026
Short Interest: Shares Quantity1.4 Mil
Short Interest: % Change Since 12312025-0.7%
Average Daily Volume0.3 Mil
Days-to-Cover Short Interest4.5 days
Basic Shares Quantity46.7 Mil
Short % of Basic Shares3.1%

Earnings Returns History

Expand for More
 Forward Returns
Earnings Date1D Returns5D Returns21D Returns
1/21/2026   
11/4/20251.6%-7.6%3.9%
8/6/2025-7.3%-1.4%3.6%
5/8/20259.1%12.5%10.7%
2/12/20258.3%34.7%-6.6%
10/29/202410.0%2.3%52.5%
8/8/20246.2%7.9%-9.0%
3/12/2024-9.2%-35.8%-42.0%
...
SUMMARY STATS   
# Positive141312
# Negative8910
Median Positive9.4%12.5%16.9%
Median Negative-8.2%-7.6%-18.6%
Max Positive30.3%48.4%120.3%
Max Negative-49.0%-56.9%-53.5%

SEC Filings

Expand for More
Report DateFiling DateFiling
09/30/202511/05/202510-Q
06/30/202508/07/202510-Q
03/31/202505/09/202510-Q
12/31/202402/20/202510-K
09/30/202411/12/202410-Q
06/30/202408/09/202410-Q
03/31/202405/10/202410-Q
12/31/202303/15/202410-K
09/30/202311/09/202310-Q
06/30/202308/09/202310-Q
03/31/202305/10/202310-Q
12/31/202203/14/202310-K
09/30/202211/08/202210-Q
06/30/202208/09/202210-Q
03/31/202205/10/202210-Q
12/31/202103/01/202210-K

Insider Activity

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#OwnerTitleHoldingActionFiling DatePriceSharesTransacted
Value		Value of
Held Shares		Form
1Layton, Kathleen IChief Legal OfficerDirectSell91120256.644,21427,9811,056,982Form
2Mueller, CaseyGlobal Controller and PAODirectSell31220255.9926,247157,2201,028,441Form
3Kirscht, PatrickChief Credit OfficerDirectSell31220255.9945,341271,5931,725,234Form
4Layton, Kathleen IChief Legal OfficerDirectSell31220255.9912,71776,175538,309Form

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