Added to YB: 2026-05-06
Pitch date: 2026-05-01
OPRT [neutral]
Oportun Financial Corporation
-0.35%
current return
Author Info
Investors use DuDil Shorts to identify under-the-radar shorts, hedge long portfolios, & avoid no-touch stocks. Sign up for the newsletter.
Company Info
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards.
Market Cap
$255.0M
Pitch Price
$5.72
Price Target
N/A
Dividend
N/A
EV/EBITDA
N/A
P/E
10.81
EV/Sales
N/A
Sector
Consumer Finance
Category
value
Oportun Inflates Adjusted Profit With New Methodology as Chargeoffs Spike
OPRT (overview): Changed Adjusted EBITDA calc, lifting 2023 by $16.9M (+1,013%). Net charge-offs spiked to 12% vs 7-10% historical avg despite claimed tighter underwriting. Exec bonuses tied to Adjusted EBITDA. $285M mkt cap implies 15% sales CAGR '27-'33 (vs 12.5% 3yr avg), 6% NOPAT margin (vs -9.36% est), 10.2% ROIC (vs -2.82% est). Priced for $3.2B sales vs $963M '25 est.
Read full article (1 min)