Findell Capital Partners, a significant investor in Oportun Financial (OPRT, Financial), has released a critical response to address inaccuracies in the company's presentation dated June 18th. The firm aims to correct what it describes as false and misleading statements shared during that presentation. This move highlights ongoing tensions and the importance of transparent communication between large shareholders and the management of Oportun Financial.

Based on the one-year price targets offered by 5 analysts, the average target price for Oportun Financial Corp (OPRT, Financial) is $9.40 with a high estimate of $11.00 and a low estimate of $6.50. The average target implies an upside of 37.83% from the current price of $6.82. More detailed estimate data can be found on the Oportun Financial Corp (OPRT) Forecast page.

Based on the consensus recommendation from 6 brokerage firms, Oportun Financial Corp's (OPRT, Financial) average brokerage recommendation is currently 2.2, indicating "Outperform" status. The rating scale ranges from 1 to 5, where 1 signifies Strong Buy, and 5 denotes Sell.

Based on GuruFocus estimates, the estimated GF Value for Oportun Financial Corp (OPRT, Financial) in one year is $2.31, suggesting a downside of 66.13% from the current price of $6.82. GF Value is GuruFocus' estimate of the fair value that the stock should be traded at. It is calculated based on the historical multiples the stock has traded at previously, as well as past business growth and the future estimates of the business' performance. More detailed data can be found on the Oportun Financial Corp (OPRT) Summary page.

OPRT Key Business Developments

Release Date: May 08, 2025

For the complete transcript of the earnings call, please refer to the full earnings call transcript.

Positive Points 

Oportun Financial Corp (OPRT, Financial) achieved GAAP profitability for the second consecutive quarter with a net income of $9.8 million.The company reported a significant year-over-year improvement in net income, with a $36 million increase.Originations grew by 39% year-over-year, reaching $469 million, driven by secured personal loans.Operating expenses were reduced by 15% year-over-year, demonstrating effective cost management.The annualized net charge-off rate was at the low end of guidance at 12.2%, indicating improved credit performance.

Negative Points 

Total revenue declined by 6% year-over-year, primarily due to the absence of credit card revenue from the prior year.The company has moderated its full-year 2025 originations growth outlook to approximately 10%, down from the previous 10-15% range.There is ongoing macroeconomic uncertainty, including potential higher unemployment and inflation, impacting future outlook.The back book of loans, although diminishing, still accounted for 14% of gross charge-offs.Interest expenses increased by $3 million year-over-year due to the paydown of pandemic-era ABS issuances.

OPRT: Findell Capital Partners Challenges Oportun Financial's Recent Claims | OPRT Stock News

Findell Capital Partners, a major investor in Oportun Financial, has criticized the company's recent presentation for inaccuracies, highlighting tensions between shareholders and management. Oportun reported consecutive quarterly profitability, a 39% year-over-year increase in loan originations, and reduced operating expenses. Analysts project a 37.83% upside from current stock prices, though GuruFocus estimates suggest a 66.13% downside. The company faces macroeconomic uncertainties impacting its 2025 outlook.