OPRT
Oportun Financial Corporation Financial Services - Credit Services Investor Relations →
Oportun Financial Corporation (OPRT) closed at $8.16 as of 2026-09-18, trading 63.8% above its 200-week moving average of $4.98. The stock moved further from the line this week, up from 58.3% last week. With a 14-week RSI of 76, OPRT is in overbought territory.
A big jump in activity this week — 2.0x the usual volume, and the price went up. Significantly more people than usual decided to buy. This kind of surge, especially on a stock already below its 200-week average, can be an early sign that sentiment is shifting.
Over the past 316 weeks of data, OPRT has crossed below its 200-week moving average 4 times. On average, these episodes lasted 57 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 $375 million, OPRT is a small-cap stock. Return on equity stands at 5.0%. The stock trades at 0.9x book value.
Share count has increased 33.2% over three years, indicating dilution.
Over the past 6.2 years, a hypothetical investment of $100 in OPRT would have grown to $65, compared to $237 for the S&P 500. OPRT has returned -6.9% annualized vs 15.0% for the index, underperforming the broader market over this period.
Free cash flow has been growing at a 25% compound annual rate, with 4 consecutive years of positive cash generation.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
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 4 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.
Dislocation Scores Experimental
Each score measures deviation from OPRT's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. Each one is an analysis point, a reason to open the filings. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
OPRT has crossed below its 200-week MA 4 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% | -35.4% |
| Jan 2022 | Jan 2026 | 208 | 83.3% | -64.0% | -54.7% |
| Feb 2026 | Apr 2026 | 9 | 17.4% | N/A | +64.5% |
| Jun 2026 | Jun 2026 | 1 | 2.8% | N/A | +71.8% |
| Average | 57 | — | +19.5% | — |
Frequently Asked Questions
Is OPRT below its 200-week moving average?
No. Oportun Financial Corporation (OPRT) is currently 63.8% above its 200-week moving average of $4.98. It would need to fall to $4.98 to cross below the line.
What is OPRT's 200-week moving average price?
Oportun Financial Corporation's 200-week moving average is $4.98 as of 2026-09-18. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when OPRT drops below its 200-week moving average?
OPRT has crossed below its 200-week moving average 4 times in our data. On average, buying at that moment produced a one-year return of +19.5%. These dips have historically been decent entry points. These episodes lasted 57 weeks on average.
Is OPRT a good value right now?
Here's what our data says about OPRT as of 2026-09-18: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 76 (overbought). Return on equity is 5.0%. Price-to-book is 0.9x. This is not a buy or sell recommendation — always do your own research.
How does OPRT compare to the S&P 500?
Over the past 6.2 years, $100 invested in OPRT would have grown to $65, compared to $237 for the S&P 500. That's -6.9% annualized vs 15.0% for the index. OPRT has underperformed the broader market over this period.
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 week of 2026-09-18