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Oportun Financial Corp Stock: price and insider trades · United States
No insider purchase over the last 90 days. The latest was filed 13 Dec 2024.
Oportun Financial Corp: what insiders have been doing
Oportun Financial Corp, classified in the Finance & Banking sector, is a listed company. Its insiders report their share dealings to SEC (Form 4). From 18 October 2025 to 18 October 2026, the disclosure feed for Oportun Financial Corp logged 22 filings by 16 insiders.
No insider bought on the market over the period, while 3 insiders filed 5 sales totalling €104k. One trade stands out by size: a sale of €51k from Kirscht Patrick, disclosed on 12 March 2026.
Compared with its exchange (5,814 companies, median 19 filings), a count of 22 filings is above the norm. Since 2021, the database holds 8 purchases and 20 sales by insiders of the company. The 10-K for the year ended 31 December 2025 shows 956.7 m USD of revenue and 25.2 m USD of net income.
Typically, a trade is published a median of 2 days after it takes place. For comparison, the SEC allows two business days to file a Form 4. Selling is not necessarily a view on the stock: liquidity needs and diversification are common motives.
For comparison within the same sector, see the insider buying recorded at First Guaranty Bancshares, Inc. and BCB Bancorp Inc. These figures are compiled from regulatory filings published by SEC (Form 4). They describe what insiders did and are not a recommendation.
Insider Decl.
242
Thresholds
n/a
Buy Volume
€722,550
8 ops. · all time
Sell Volume
€4M
20 ops. · all time
Who traded when
BuySaleKathleen I. Layton4 sales
Kirscht Patrick3 sales
Joseph Andrew Schueller2 sales
Mueller Casey2 sales
Carlos Minetti1 buy
Coblentz Jonathan Aaron1 buy
+3 other insiders
Since the insiders bought
- +40.7%Entry US$3.88 · Close at T+365 US$5.46
- +40.7%Entry US$3.88 · Close at T+365 US$5.46
- +43.9%Entry US$3.87 · Close at T+365 US$5.57
Entry is the close on the day after publication, the first price a reader could act on. Prices in the listing currency. Past moves are not a forecast.
Analyst consensus: bullish or bearish?
Analysts rate Oportun Financial Corp Buy (bullish), based on 4 analysts. Average price target: US$11.50.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
Fundamental score
Ranked 4,517 of 24,148 companies
67.6
score / 100
Value85
Quality50
FCF yld93%
Earn yld6.0%
EV/EBITDA·
ROE5.0%
Gross mgn·
Net mgn6.2%
Debt/EBITDA·
Pillars2/3
Transparent value + quality ranking, distinct from the insider signal.
Financial data
as of FY 2025FY ended December 2025 · cache
US$9.17
Analyst consensus
4 analystsBuy
US$9.00Target US$11.50(+25%)US$13.00
Income statement
RevenueUS$405.8M
Net incomeUS$25.2M2.6% margin
Valuation
PER (trailing)22.9x
PER (forward)4.7x
P/Book1.0x
Beta1.26
Balance sheet & cash
Market capUS$421.7M
Total debtUS$2.8B
Free Cash FlowUS$389.1M
Debt / Equity654%
Profitability & ownership
ROE5.0%
ROA0.6%
% insiders8.3%
% institutions84.7%
Last declaration on 14 September 2026
Declarations242 total
382,653 sharesCommon StockSEC:0001538716-26-000106:0
4,223 shares@ US$7.800.0083% mcap29.4% of flowCommon StockSEC:0001538716-26-000108:0
2,831 shares@ US$7.800.0055% mcap33.1% of flowCommon StockSEC:0001538716-26-000110:0
28 shares@ US$7.800.0001% mcap0.3% of flowCommon StockSEC:0001538716-26-000110:1
2,859 shares@ US$7.79750.0056% mcap33.4% of flowCommonSEC144:0001921094-26-001007
4,223 shares@ US$7.79710.0083% mcap29.4% of flowCommonSEC144:0001921094-26-001005
2,831 shares@ US$7.79760.0055% mcap33.1% of flowCommonSEC144:0001921094-26-001006
20,869 sharesCommon StockSEC:0001538716-26-000088:0
20,869 sharesCommon StockSEC:0001538716-26-000076:0
20,869 sharesCommon StockSEC:0001538716-26-000078:0
25,042 sharesCommon StockSEC:0001739286-26-000004:0
20,869 sharesCommon StockSEC:0001538716-26-000072:0
20,869 sharesCommon StockSEC:0001538716-26-000080:0
25,000 shares@ US$7.50750.047% mcap23.5% of flowCommonSEC144:0001921094-26-000841
463,822 sharesCommon StockSEC:0001538716-26-000044:0
1,398 shares@ US$4.906.1% of flowCommon StockSEC:0001985638-26-000006:0
12,099 shares@ US$4.907.4% of flowCommon StockSEC:0001538716-26-000023:0
18,190 sharesCommon StockSEC:0001578544-26-000002:0
86,043 sharesCommon StockSEC:0001985638-26-000002:0
45,890 sharesCommon StockSEC:0001853965-26-000002:0
95,603 sharesCommon StockSEC:0001786250-26-000002:0
28,090 sharesCommon StockSEC:0001538716-25-000096:0
4,214 shares@ US$6.6424.9% of flowCommon StockSEC:0001538716-25-000094:0
3,644 sharesCommon StockSEC:0001538716-25-000091:0
25 of 242 declarations
About Oportun Financial Corp
Oportun Financial Corp (ticker: OPRT) is a U.S. consumer finance company listed on the Nasdaq market in the United States. Headquartered in San Carlos, California, Oportun was founded in 2006 with a mission to expand financial inclusion by providing accessible credit and savings tools to consumers who are often underserved by traditional banks. Over time, the company has built a technology-enabled lending platform that uses a combination of traditional and alternative data to underwrite borrowers and help them establish credit history, manage liquidity, and improve financial resilience. ([investor.oportun.com](https://investor.oportun.com/company-information/faq?utm_source=openai))
Today, Oportun’s core business is centered on three main product categories: unsecured personal loans, secured personal loans, and savings products through its Set & Save offering. The company previously operated a credit card business, but it sold its credit card receivables portfolio in November 2024, reflecting a broader effort to simplify the platform and focus on products that better support profitability and risk-adjusted returns. Management has recently emphasized tighter credit discipline, stronger unit economics, and a more efficient operating model as the company works to rebuild growth on a more durable foundation. ([investor.oportun.com](https://investor.oportun.com/sec-filings/all-sec-filings/content/0001538716-24-000123/0001538716-24-000123.pdf?utm_source=openai))
Read moreShow less
From a competitive standpoint, Oportun occupies a specialized niche in U.S. consumer lending: serving borrowers with limited or mid-tier credit profiles. This segment is highly competitive and sensitive to underwriting accuracy, funding costs, and macroeconomic conditions, but it also offers meaningful addressable demand. Oportun differentiates itself through its data-driven credit model, long operating history in inclusive finance, and product set designed to meet everyday borrowing and savings needs rather than compete as a full-scale universal bank. The company has repeatedly framed itself as a mission-driven financial services provider rather than a generalist lender. ([investor.oportun.com](https://investor.oportun.com/sec-filings/annual-reports/content/0001538716-24-000032/0001538716-24-000032.pdf?utm_source=openai))
Geographically, Oportun operates primarily in the United States, with its business concentrated in domestic consumer credit markets. Recent disclosures show secured personal loans available in multiple states, including California, Texas, Florida, Arizona, New Jersey, and Illinois, underscoring that the company’s growth is tied to U.S. state-by-state lending availability rather than international expansion. That domestic focus limits geographic complexity, but it also makes Oportun’s performance highly dependent on U.S. interest rates, consumer credit trends, and funding-market conditions. ([oportun.com](https://oportun.com/news/oportun-reports-fourth-quarter-and-full-year-2024-financial-results/?utm_source=openai))
Recent corporate developments have been notable. Oportun reported fourth-quarter and full-year 2024 results in February 2025, highlighting improved profitability and a return to year-over-year originations growth in the quarter. In 2025 and early 2026, the company also marked its 20th anniversary and continued to reference funding transactions such as securitizations and warehouse facilities as part of its capital-management strategy. For investors, OPRT remains a focused U.S. listed consumer finance name on Nasdaq, with a business model built around responsible lending, savings, and balance-sheet optimization. ([investor.oportun.com](https://investor.oportun.com/news-events/press-releases/detail/148/oportun-reports-fourth-quarter-and-full-year-2024-financial?utm_source=openai))
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