OPRT
Oportun Financial Corporation Financial Services - Credit Services Investor Relations →
Oportun Financial Corporation (OPRT) closed at $5.62 as of 2026-02-02, trading 5.4% above its 200-week moving average of $5.33. The stock moved further from the line this week, up from 0.8% last week. The 14-week RSI sits at 54, indicating neutral momentum.
Over the past 284 weeks of data, OPRT has crossed below its 200-week moving average 2 times. On average, these episodes lasted 109 weeks. Historically, investors who bought OPRT at the start of these episodes saw an average one-year return of +19.5%.
With a market cap of $248 million, OPRT is a small-cap stock. Return on equity stands at 8.6%. The stock trades at 0.7x book value.
Share count has increased 12.8% over three years, indicating dilution.
Over the past 5.6 years, a hypothetical investment of $100 in OPRT would have grown to $44, compared to $214 for the S&P 500. OPRT has returned -13.5% annualized vs 14.6% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 39.8% compound annual rate, with 4 consecutive years of positive cash generation.
Growth of $100: OPRT vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After OPRT Crosses Below the Line?
Across 2 historical episodes, buying OPRT when it crossed below its 200-week moving average produced an average return of +24.0% after 12 months (median +103.0%), compared to +11.5% for the S&P 500 over the same periods. 50% of those episodes were profitable after one year. After 24 months, the average return was -69.5% vs +13.5% for the index.
Each line shows $100 invested at the moment OPRT crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
OPRT has crossed below its 200-week MA 2 times with an average 1-year return of +19.5% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Aug 2020 | Nov 2020 | 10 | 25.6% | +102.9% | -55.5% |
| Jan 2022 | Jan 2026 | 208 | 83.3% | -64.0% | -68.8% |
| Average | 109 | — | +19.5% | — |
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of Friday close, 2026-02-02