Oportun Financial Corp
F:4L0
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Oportun Financial Corp
F:4L0
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CD Projekt SA
F:7CD0
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Intrinsic Value
The intrinsic value of 
Oportun Financial Corp (4L0) under the Base Case is 3.2 EUR per share.
Compared with the current market price of 7.6 EUR, the stock appears
Overvalued by 58% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Oportun Financial Does
Oportun Financial Corp is a consumer finance company that helps people with limited or no credit history borrow money and build credit. It mainly offers unsecured personal loans, credit cards, and savings products aimed at everyday consumers who may not qualify easily for traditional bank lending. Its services are sold through digital channels and retail partnerships, and the company uses its underwriting system to decide who gets credit and on what terms.
- Headquarters
- United States of America US
- Employees
- 1 783
- IPO date
- Sep 26, 2019
Revenue & Expenses Breakdown
Oportun Financial Corp
Earnings Waterfall
Oportun Financial Corp
The intrinsic value for Oportun Financial Corp (4L0) under the Base Case is 3.2 EUR.
Compared with the current market price of 7.6 EUR, the stock appears Overvalued by 58% .