Oportun Financial (OPRT) Q3 2026 earnings — TrendMatrix coverage
Reported
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Full disclosure · Editorial policy
Key numbers
- Adjusted EPS
- $0.51
- Estimate
- $0.45
- Surprise
- +13.8%
- Score today
- 5.8/10
Revenue for this quarter isn’t shown: the reported figure hasn’t cleared TrendMatrix’s freshness and sanity checks yet, and consensus revenue isn’t tracked. EPS above is the available figure.
How the report landed
Oportun Financial (OPRT) beat the $0.45 estimate with adjusted EPS of $0.51 — a large 13.8% upside surprise.
Coverage in the report window
- Oportun Financial Q3 2026 Earnings Call Transcript — benzinga, 2026-11-03
- Oportun Financial Corporation Reports Third Quarter 2026 Financial Results — fiscal.ai, 2026-11-03
- Oportun Financial Sees Q4 Sales $247.000M-$252.000M vs $247.042M Est — benzinga, 2026-11-03
Where TrendMatrix's rating stands now
TrendMatrix currently rates OPRT Sell at 5.8/10; no pre/post engine snapshot brackets this report.
4 of the last 4 quarters beat the estimate; this quarter's +13.8% surprise compares with a +19.9% four-quarter average.
What supports the rating
- Sector modifier (Financial Services): +1.0
- Strong earnings beat streak (4/4)
What argues against it
- Concentration risk — Counterparty: Pathward loan originations (98.0%)
- Concentration risk — Loan Portfolio: interest on member loans revenue (90.0%)
- Analyst target reached - limited upside remaining
This section and the ones below it reflect TrendMatrix’s latest engine read — they update after the report date and are not frozen to it.
The levels TrendMatrix's engine tracks
- Current price
- $10.04
- Stop
- $9.34
The stock trades at 25.1× trailing but 5.1× forward earnings — consensus estimates already build in a substantial earnings recovery.
Risk check: RSI 76 — a level conventionally read as overbought; gains at these levels often lean on momentum.
Model outputs from TrendMatrix’s engine as of 2026-11-04 — shown for context, not personalized investment advice.
OPRT at TrendMatrix's latest read
For financials, the EPS print is only half the story: credit costs, reserve builds, and rate sensitivity decide how a quarter actually lands.
- Industry
- Credit Services
- Market cap
- $461.7M
- P/E (fwd)
- 5.1
- P/E (ttm)
- 25.1
- 52-week range
- $4.03–$10.28
- Off 52-week high
- 2.3%
- RSI (14)
- 76
- Volume vs avg
- 0.88×
- Score today
- 5.8/10