What is the 13F Pro Quality Score for OPRT?

13F Pro ranks Oportun Financial Corp (OPRT) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View OPRT's current score at https://13fpro.ai/research/OPRT (free sign-up required for the full ranking).

Which hedge funds own the most OPRT stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of OPRT include Neuberger Berman Group, Forager Capital Management,, BlackRock,. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/OPRT as soon as new 13F filings post.

Where does 13F Pro source OPRT data?

All Oportun Financial Corp fundamentals and ownership data come directly from SEC EDGAR. Oportun Financial Corp files with the SEC under CIK 1538716. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is OPRT in?

Oportun Financial Corp (OPRT) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is OPRT research updated on 13F Pro?

OPRT's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Oportun Financial Corp(OPRT)Stock Analysis

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13F Pro Quality Score

50.3/100

Rank #1,462 of 2,879 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

9.7/100

Profitability

96.8/100

Balance Sheet

41.2/100

Earnings Quality

30.0/100

Free Cash Flow

99.4/100

Institutional Flow

58.0/100

Revenue Scale

5.0/100

Dilution Risk

54.4/100

OPRT Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Oportun Financial Corp (OPRT), a Financials sector company. 13F Pro's AI-powered ranking engine scores OPRT at 50.3/100 on a 32-signal composite quality model, placing it at rank #1,462 of 2,879 stocks — the bottom half of the AI-ranked universe. OPRT scores in the top quartile across free cash flow (99.4), profitability (96.8). Areas of concern include revenue scale (5.0) and revenue growth (9.7), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q1 2026), Oportun Financial Corp reports quarterly revenue of $94.9M, net income of $2.3M, free cash flow of $103.7M. Top institutional holders of OPRT by reported 13-F value include Neuberger Berman Group, Forager Capital Management,, BlackRock,, based on the most recent SEC filings. OPRT trades on the Nasdaq exchange and files with the SEC under CIK 1538716. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate OPRT daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Oportun Financial Corp directly from SEC EDGAR. Oportun Financial Corp's 13F Pro composite quality score has ranged between 31 and 59 since 2021, currently 50.3 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

✦

Fun facts about Oportun Financial Corp

Quirks, history, and lore behind OPRT — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. consumer finance company · small-cap · listed on Nasdaq · headquartered in California.
2
The Numbers
Serves roughly 2 million members with annual revenue in the range of $1 billion — big enough to matter, small enough that Wall Street mostly ignores it.
3
The History
Founded in the early 2000s with a mission to lend to people the big banks wouldn't touch — specifically, Latino and immigrant communities with thin or no credit files.
4
The Secret
It uses alternative data and machine learning to underwrite borrowers who have no traditional credit score, betting that responsibility shows up in ways FICO never measures.
5
The Lore
Its name is Spanish-inspired and means "opportunity" — a nod to the underserved Hispanic market that was its original and defining customer base.
6
The Giveaway
A mission-driven personal lender targeting credit-invisible Americans, it trades under a four-letter ticker that rhymes with "report" — and its whole pitch is that you deserve a chance.

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Revenue

Q1 2026

$94.9M

Net Income

Q1 2026

$2.3M

Free Cash Flow

Q1 2026

$103.7M

ROIC

Q1 2026

0.9%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+20.8% YoY

$640.7MFY 2022

FY16 —FY20 $335.1MFY21 $530.5MFY22 $640.7M

Net Income

-264.0% YoY

$-77.7MFY 2022

FY16 —FY20 $-45.1MFY21 $47.4MFY22 $-77.7M

EPS (Diluted)

-251.9% YoY

$-2.37FY 2022

FY16 —FY20 $-1.65FY21 $1.56FY22 $-2.37

Total Assets

+22.6% YoY

$3.61BFY 2022

FY16 —FY20 $2.01BFY21 $2.95BFY22 $3.61B

Total Debt

—FY 2022

FY16 —FY20 —FY21 $114.1MFY22 —

Op. Cash Flow

+51.7% YoY

$247.9MFY 2022

FY16 —FY20 $152.9MFY21 $163.4MFY22 $247.9M

Metric	FY 2022	FY 2021	FY 2020	FY 2016
Revenue	$640.7M +20.8%	$530.5M +58.3%	$335.1M	—
Net Income	$-77.7M -264.0%	$47.4M +205.2%	$-45.1M	—
EPS (Diluted)	$-2.37 -251.9%	$1.56 +194.5%	$-1.65	—
Total Assets	$3.61B +22.6%	$2.95B +46.7%	$2.01B	—
Total Debt	—	$114.1M	—	—
Operating Cash Flow	$247.9M +51.7%	$163.4M +6.9%	$152.9M	—

AI Insight: OPRT Ratio Trends

Oportun has returned to profitability after deep 2024 losses, but Q1 2026 marks a sharp sequential deceleration across every return metric.

• Operating margin swung from -81.9% in Q2 2024 to a positive range of 3.8%–13.6% across Q4 2024 through Q1 2026, confirming a full profitability turnaround.

• ROIC peaked at 14.8% in Q3 2025 and has since contracted sharply to 3.6% in Q1 2026, the lowest positive reading in the recovery cycle.

• ROA declined from 1.2% in Q1 2025 to 0.3% in Q1 2026, reflecting thinning asset productivity over four consecutive quarters.

⚠ Q1 2026 op margin of 3.8% is the weakest since the turnaround began — whether Q2 2026 stabilizes or falls further is the key inflection.

⚠ D/E data is absent across all periods; leverage visibility is zero, a meaningful gap for a consumer-lending balance sheet.

⚠ TTM ROIC of 8.7% masks significant intra-period deterioration; trailing averages may overstate current earnings power.

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Available Research

13F Pro tracks comprehensive data for Oportun Financial Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of OPRT

Neuberger Berman Group LLC
$17.6M3,809,912 sh
Forager Capital Management, LLC
$15.5M3,361,726 sh
BlackRock, Inc.
$14.2M3,077,660 sh
FINDELL CAPITAL MANAGEMENT LLC
$12.7M2,748,300 sh
MILLENNIUM MANAGEMENT LLC
$10.4M2,253,182 sh
VANGUARD CAPITAL MANAGEMENT LLC
$7.5M1,628,478 sh
Long Focus Capital Management, LLC
$7.0M1,515,777 sh
DIMENSIONAL FUND ADVISORS LP
$6.3M1,363,788 sh
Simcoe Capital LLC
$4.6M1,002,271 sh
TWO SIGMA INVESTMENTS, LP
$4.4M961,641 sh

Fund	Value	Shares
Neuberger Berman Group LLC	$17.6M	3,809,912
Forager Capital Management, LLC	$15.5M	3,361,726
BlackRock, Inc.	$14.2M	3,077,660
FINDELL CAPITAL MANAGEMENT LLC	$12.7M	2,748,300
MILLENNIUM MANAGEMENT LLC	$10.4M	2,253,182
VANGUARD CAPITAL MANAGEMENT LLC	$7.5M	1,628,478
Long Focus Capital Management, LLC	$7.0M	1,515,777
DIMENSIONAL FUND ADVISORS LP	$6.3M	1,363,788
Simcoe Capital LLC	$4.6M	1,002,271
TWO SIGMA INVESTMENTS, LP	$4.4M	961,641

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Is OPRT a good stock to buy?

13F Pro's AI-powered analysis of Oportun Financial Corp (OPRT) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for OPRT are available on the OPRT stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own OPRT?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling OPRT. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Oportun Financial Corp's investment landscape.