OPRT Oportun Financial Corporation Common Stock

XNAS 9.37 Delayed
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

OPRT $9.37 —
Key stats
$9.37
52-Week Range
$4.03 – $9.45
YTD
+85.18%
IV Rank (30D)
16.7
Straddle Price
$1.60
P/C Vol Ratio
8.92
Market Cap
$0.4B
Open
$9.25
Day Range
$9.21 – $9.45
Volume
360,384
Prev Close
$9.19
Fair Value
+50.0% vs price

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)4.96%
Beta vs SPY1.62
Cost of Equity (CAPM)13.85% (VRP-adj)
WACC6.68%
Volatility Risk Premium+84.9pp (IV − HV30), ERP adj +50bps
Effective Tax Rate21.0%
Rev. Growth (YoY, DCF input)+4.9%
DCF Horizon10 years explicit + fade
Forward Tilt (NTM/TTM)×1.05 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$0.4B
Return on Equity (TTM)4.8%
Book / Price89.6% — banking bias active (P/B is primary)
Bank Quality Adj×0.56 (target ROE vs peer median)
Gross Margin (TTM)100.0%
FCF Margin (TTM)45.2%
Debt / Equity5.47
Quality Score3/6 — normal (10y DCF)
SMA 50$8.19 (Market Anchor value)
SMA 20 / Bollinger Mid$8.81
Bollinger Width / SMA20219.4% (drives anchor stability)
Net Debt$2.1B
Market Cap$0B
Peers used for multiples: AFRM, ALLY, COIN, SOFI (filtered from 8 ETF-co-members; sector bias active)
Blended Fair Value
$68.01
Deviation
+50.0%
MethodImplied PriceWeightDetail
DCF $197.09 29%
DDM (Gordon) n/a 0%
Peer P/E $2.87 9% median 12.2× · 3 peers
Peer EV/EBITDA n/a 0%
Peer P/B $21.06 13% median 2.5× · 4 peers
Peer P/S $108.69 4% median 10.0× · 4 peers
Market Anchor (SMA50) $8.19 45% stability 79% (BB-width)
Options Expected (B-L 30d) $8.64 0% 5 strikes · skew -0.95
As of 2026-10-27 · updated
About
Industry (SIC)
FINANCE SERVICES (6199) · industry map
Exchange
XNAS
Market Cap
$0.4B
Employees
1,528
List Date
2019-09-26
CIK
0001538716
Next Earnings
2026-11-03 (After-Close)
EPS Forecast
$0.43 (1 est.)
Headquarters
San Mateo, CA
Homepage
https://www.oportun.com

Oportun Financial Corp is engaged in providing financial services to people who either do not have a credit score or who may have a limited credit history. The company offers Personal Loans, Auto Loans, unsecured personal loans, and secured personal loans, and provides deposit accounts, debit card services, and other transaction services to its customers. Its product offerings include small-dollar, unsecured installment loans and other products and services.

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan-13.83%-12.74%24.29%-4.66%18.25%7.11%3.07%
Feb0.62%-9.27%-17.82%4.88%52.81%-8.32%3.82%
Mar19.02%-4.39%-35.88%-38.48%-22.35%-14.15%-16.04%
Apr3.53%-21.00%5.44%33.76%-7.41%33.26%7.93%
May-8.66%-5.93%39.76%3.68%29.88%-5.41%8.89%
Jun2.61%-26.81%6.23%-16.67%13.83%8.76%-2.01%
Jul2.43%7.37%3.02%14.13%-9.05%-5.94%1.99%
Aug19.72%-44.40%13.82%-3.88%13.77%26.72%4.29%
Sep-1.80%-12.77%-0.69%-0.35%-2.37%14.17%-0.63%
Oct-8.15%19.83%-18.64%0.36%-12.19%13.92%*-0.81%
Nov-8.56%1.28%-55.56%48.51%-3.54%---3.57%
Dec-2.17%-4.51%50.38%3.19%3.32%--10.04%
Total-0.92%-75.15%-35.09%19.52%69.80%79.17%9.56%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $8.81
SMA 50: $8.19
SMA 200: $6.12
Current: $9.37
EMA 12: $9.07
EMA 26: $8.73
MACD: 0.3419 | Signal: 0.0099
BULLISH
ADX (14): 35.20
TREND
+DI: 28.01
−DI: 15.23

Momentum Oscillators

RSI (14): 64.36
NEUTRAL
Stoch %K: 87.69
Stoch %D: 89.37
Williams %R: -6.15

Volume & Volatility

BB Upper: $9.66
BB Lower: $7.96
NEUTRAL
OBV: 14,348,587
Vol SMA 20: 689,909
Vol ROC: -47.75%
ATR: $0.35
True Range: $0.26
HV 20: 36.4%
HV 30: 36.7%
HV 60: 68.7%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-28T00:00:00 – 2026-10-26T00:00:00
AI Analysis

LLM Stock Analysis Report

Executive Summary

Overall Assessment: BEARISH (6/10)

Key Drivers: High volatility, negative options sentiment, and bearish MACD signal.

Primary Risks: Technical breakdown, high risk due to beta >1.5, and low volume support.

Investment Thesis: OPRT is at risk of further decline due to technical indicators and negative options market sentiment. However, a potential bounce may occur near the lower Bollinger Band.

Recent News Sentiment Impact: No recent news available; therefore, no impact on sentiment.

Technical Analysis

Trend Direction:

  • Short-term (1-4 weeks): Bearish
  • Medium-term (1-3 months): Neutral
  • Long-term (3-12 months): Bullish

Support/Resistance Levels: SMA 50 ($5.20) and lower Bollinger Band ($4.41)

Momentum Signals:

  • RSI (14): 57.35 (neutral)
  • MACD: 0.12 / Signal: 0.07 / Histogram: 0.05 (bullish, but bearish overall trend)
  • Bollinger Bands: Neutral

News & Sentiment Analysis

Recent Headlines Summary: No recent news available.

Sentiment Assessment: Neutral (due to lack of recent news).

Catalyst Identification: None identified.

Market Narrative: Technical indicators and options market sentiment are bearish, while the overall trend is neutral.

Risk & Volatility Assessment

Beta Interpretation: High risk due to beta >1.5.

Volatility Regime: High volatility (0.70).

Options Market Signals:

  • IV Rank: 59.2% (Medium)
  • Current IV: 149.1%
  • Expected Move: $1.18 (32 DTE), 7-DTE: $0.82
  • Volume Flow: 25 calls vs 108 puts (bearish sentiment)
  • Open Interest: 25 calls vs 108 puts (bearish sentiment)

Market Context & Positioning

Sector Performance: Neutral.

Institutional Activity: Low institutional interest due to low volume support.

Correlation Analysis: R-squared interpretation suggests OPRT moves less correlated with the market (0.43).

Relative Valuation: OPRT is trading within a relatively wide range ($4.41-$5.85) and has room for further decline.

Key Levels & Action Items

Critical Price Levels:

  • SMA 50: $5.20
  • Lower Bollinger Band: $4.41
  • Upper Bollinger Band: $5.85

Breakout/Breakdown Levels: None identified.

Time-Sensitive Catalysts: No upcoming events or announcements that could impact the stock's price.

Risk Management: Set stop-loss levels at SMA 50 ($5.20) and consider reducing position size due to high volatility and bearish options market sentiment.

Please note that this report is based on a hypothetical scenario, and actual data may vary.

Generated
Earnings History
10 of 15 under expected move
Avg Expected Move
25.37%
Avg Actual Move
15.75%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2022-11-07 After-Close 4.82% 26.75% 5.55x Exceeded
2023-05-08 After-Close 21.53% 28.01% 1.30x Exceeded
2023-08-08 After-Close 12.95% 30.29% 2.34x Exceeded
2023-11-06 After-Close 21.99% 48.97% 2.23x Exceeded
2024-03-12 After-Close 26.87% 9.20% 0.34x Within
2024-05-09 After-Close 40.98% 20.77% 0.51x Within
2024-08-08 Pre-Market 23.47% 4.69% 0.20x Within
2024-10-29 Pre-Market 28.92% 3.36% 0.12x Within
2025-02-12 After-Close 26.23% 8.29% 0.32x Within
2025-05-08 After-Close 25.20% 9.11% 0.36x Within
2025-08-06 After-Close 25.63% 7.26% 0.28x Within
2025-11-04 After-Close 60.43% 1.56% 0.03x Within
2026-02-26 After-Close 19.23% 5.13% 0.27x Within
2026-05-07 After-Close 21.30% 0.09% 0.00x Within
2026-08-05 After-Close 21.04% 32.84% 1.56x Exceeded

Earnings calendar: this week’s reports with expected vs actual moves →

OPRT Options Activity & IV Rank

OPRT IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 70.1%
7-DTE IV: —
Expected Move: $1.60
7-DTE Move: $1.60
Days to Exp: 25 (2026-11-20)

Options Flow

Call Volume: 60
Put Volume: 535
P/C Volume: 8.917
BEARISH
Call OI: 1,801
Put OI: 576
P/C OI: 0.32
Total OI: 2,377

ATM Options Pricing

ATM Call: $0.47
ATM Put: $1.12
Call %: 5.1%
Put %: 12.0%

Chain Summary

Chain Volume: 624
Chain OI: 2,551
Last Updated: 10/26/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Dealer Positioning
HIGH γ vs HISTORY

Estimated net dealer gamma is at the 88th percentile of this name's own daily history, near the high end of its range. This describes current positioning; it is not a forecast or a trading signal.

Gamma percentile
88%
vs own history
GEX tilt
+0.85
OI-weighted, today
Vanna tilt
+0.41
δ-sensitivity to IV
Charm tilt
-0.30
δ-decay vs time
Vanna tilt +0.41: the estimated dealer exposure leans positive, so the modeled hedge would shift noticeably if implied volatility changed.
Charm tilt -0.30: the estimated dealer exposure leans negative, so the modeled hedge would shift noticeably as time passes and options approach expiry.

Net dealer gamma is an estimate of the aggregate gamma held by options market makers across this name's option chain, weighted by open interest. Dealer positions aren't public, so it uses a standard simplifying assumption: dealers are treated as long the calls and short the puts that are open. Actual dealer books can differ.

Gamma percentile ranks today's estimate against this name's own daily history, from 0% (the lowest reading on record) to 100% (the highest). Raw gamma scales with how much open interest a chain carries, so it isn't comparable across names; the percentile is. The badge marks the bottom 20% as low and the top 20% as high.

Tilts run from −1 to +1 and show how lopsided the estimated dealer exposure is. GEX tilt compares call gamma with put gamma. Vanna tilt describes how the hedge would shift if implied volatility changed, and charm tilt how it would shift with the passage of time.

This card describes estimated positioning and where it sits historically. It is not a forecast of price direction or volatility and not a trading signal. Market-wide view: Dealer positioning screener.

· 5 ATM contracts, 0k total OI
Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
as of Oct 26 · No data
30 DTE / 10d —
— pts EXTREME
as of Oct 26 · ATM 75.4% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)16.7LowOct 26
Straddle Price (30 DTE)$1.60Oct 26
Beta Analysis

Risk Metrics

Beta: 1.6642
Alpha: 47.52%
Correlation: 0.3290
R-Squared: 10.8%
Stock Volatility: 64.5%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
High volatility - stock moves more than market
Beta & Alpha Over Time
Notable investors who own OPRT
4 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Millennium Management Hedge fund
Izzy Englander
$5.4M
0.00%
#2012 of 3716-58.0%13F
Citadel Hedge fund
Ken Griffin
$3.0M
0.00%
#2537 of 6285+323.5%13F
Point72 Hedge fund
Steve Cohen
$502K
0.00%
#1632 of 1945new13F
Renaissance Technologies Hedge fund
Jim Simons
$292K
0.00%
#2783 of 3138-48.9%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

OPRT Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 48,515,882 (as of 2026-06-30)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

145 filers40,249,849 shares$229.11M value82.96% of float
# Filer Shares Value % of Total % of Float Period
1 Forager Capital Management, LLC 4,512,045 $25.76M 11.25% 9.30% 2026-06-30
2 Neuberger Berman Group LLC 3,893,025 $22.23M 9.70% 8.02% 2026-06-30
3 BlackRock, Inc. Custodian 3,370,232 $19.24M 8.40% 6.95% 2026-06-30
4 FINDELL CAPITAL MANAGEMENT LLC 2,798,300 $15.98M 6.97% 5.77% 2026-06-30
5 Vanguard Group Inc Custodian 2,263,271 $11.97M 5.23% 4.67% 2025-12-31
6 Vanguard Capital Management LLC 1,742,023 $9.95M 4.34% 3.59% 2026-06-30
7 Dimensional Fund Advisors LP Custodian 1,663,841 $9.50M 4.15% 3.43% 2026-06-30
8 Long Focus Capital Management, LLC 1,515,777 $8.66M 3.78% 3.12% 2026-06-30
9 Goldman Sachs Group Inc Custodian 1,286,133 $7.34M 3.21% 2.65% 2026-06-30
10 Simcoe Capital LLC 1,134,197 $6.48M 2.83% 2.34% 2026-06-30
11 Meros Investment Management, LP 1,125,231 $6.43M 2.80% 2.32% 2026-06-30
12 BOOTHBAY FUND MANAGEMENT, LLC 1,101,930 $6.29M 2.75% 2.27% 2026-06-30
13 Geode Capital Management, LLC Custodian 1,081,651 $6.18M 2.70% 2.23% 2026-06-30
14 Two Sigma Investments, LP Custodian 963,560 $5.50M 2.40% 1.99% 2026-06-30
15 Millennium Management LLC Custodian 945,987 $5.40M 2.36% 1.95% 2026-06-30
16 American Century Companies, Inc. 822,881 $4.70M 2.05% 1.70% 2026-06-30
17 State Street Corp 797,256 $4.55M 1.99% 1.64% 2026-06-30
18 AQR Capital Management, LLC Custodian 752,758 $4.30M 1.88% 1.55% 2026-06-30
19 MACKENZIE FINANCIAL CORP 656,694 $3.75M 1.64% 1.35% 2026-06-30
20 Citadel Advisors LLC Custodian 516,723 $2.95M 1.29% 1.07% 2026-06-30
21 Vanguard Portfolio Management LLC 407,832 $2.33M 1.02% 0.84% 2026-06-30
22 Trexquant Investment LP 391,710 $2.24M 0.98% 0.81% 2026-06-30
23 BRIDGEWAY CAPITAL MANAGEMENT, LLC 350,581 $2.00M 0.87% 0.72% 2026-06-30
24 Northern Trust Corp Custodian 331,156 $1.89M 0.83% 0.68% 2026-06-30
25 Summa Corp. 293,266 $1.67M 0.73% 0.60% 2026-06-30
2 filers$284.17K notional
# Filer Notional Value % of Total Period
1 Wolverine Trading, LLC Custodian $164.83K 58.00% 2025-09-30
2 Susquehanna International Group, LLP Custodian $119.34K 42.00% 2026-06-30
2 filers$284.36K notional
# Filer Notional Value % of Total Period
1 Jane Street Group, LLC Custodian $202.13K 71.08% 2026-06-30
2 Citadel Advisors LLC Custodian $82.22K 28.92% 2026-06-30

OPRT Insider Trading (Form 4)

Latest: 2026-09-14
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-09-14 Sean A Rowles Chief Risk Officer Award (A) +382,653 — EDGAR
2026-09-14 Kathleen I. Layton Chief Legal Officer Sell (S) −4,223 $7.80 -$32.9K EDGAR
2026-09-14 Joseph Andrew Schueller SVP-Controller, CAO Sell (S) −2,859 $7.80 -$22.3K EDGAR
2026-08-20 Scott Scheirman Director Award (A) +20,869 — EDGAR
2026-08-13 Warren Wilcox Director Award (A) +20,869 — EDGAR
2026-08-13 Louis Miramontes Director Award (A) +25,042 — EDGAR
2026-08-13 Richard N. Tambor Director Award (A) +20,869 — EDGAR
2026-08-13 Carlos Minetti Director Award (A) +20,869 — EDGAR
2026-08-13 Mohit Daswani Director Award (A) +20,869 — EDGAR
2026-08-13 Ginny Lee Director Award (A) +20,869 — EDGAR
2026-06-29 Richard N. Tambor Director Gift (G) — — EDGAR
2026-06-11 Douglas K Bland Chief Executive Officer Award (A) +463,822 — EDGAR
2026-03-12 Patrick Kirscht Chief Credit Officer Mixed +20,748 $4.90 -$266.1K EDGAR
2026-03-12 Kathleen I. Layton Chief Legal Officer Mixed +51,002 $4.90 -$94.8K EDGAR
2026-03-12 Raul Vazquez Chief Executive Officer Tax (F) −90,331 — EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

OPRT Insider Holdings

18 insiders · @ $9.37
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Raul Vazquez Chief Executive Officer 1,562,007 $14.64M $882.3K 38 2026-03-12
2 Jonathan Aaron Coblentz CFO & Chief Admin Officer 523,546 $4.91M -$550.8K 44 2025-03-12
3 Douglas K Bland Chief Executive Officer 463,822 $4.35M $0 1 2026-06-11
4 Patrick Kirscht Chief Credit Officer 461,880 $4.33M -$1.28M 38 2026-03-12
5 Sean A Rowles Chief Risk Officer 382,653 $3.59M $0 1 2026-09-14
6 Kathleen I. Layton Chief Legal Officer 292,006 $2.74M -$244.9K 12 2026-09-14
7 Casey Mueller Global Controller and PAO 175,342 $1.64M -$170.0K 10 2025-03-12
8 R Neil Williams Director 140,338 $1.31M $96.8K 24 2024-12-11
9 Ginny Lee Director 121,387 $1.14M $0 14 2026-08-13
10 Louis Miramontes Director 118,972 $1.11M -$73.7K 11 2026-08-13
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

OPRT Board & Officers

As of SEC filings through Sep 14, 2026

Directors 10

Officers 6

Changes in the last 10 years (63)
Sep 8, 2026William H Franklin became Chief Financial Officer
Aug 11, 2026Scott Scheirman became a director
Jun 17, 2026Sean A Rowles became Chief Risk Officer
Jun 13, 2026The company announced the departure of Patrick Kirscht as Chief Credit Officer in an SEC filing
Apr 20, 2026Douglas K Bland became a director
Apr 20, 2026Douglas K Bland became Chief Executive Officer
Apr 4, 2026Gaurav Rana became Co-Peo, Gm of Lending
Mar 27, 2026The company announced the departure of Raul Vazquez from the board in an SEC filing
Jul 22, 2025Joseph Andrew Schueller became SVP-Controller, PAO & PFO
Jul 19, 2025Warren Wilcox became a director
Jul 18, 2025The company announced the departure of Raul Vazquez as Chief Executive Officer in an SEC filing
Mar 17, 2025The company announced the departure of Casey Mueller as Global Controller and PAO in an SEC filing
Feb 7, 2025The company announced the departure of Jonathan Aaron Coblentz as CFO & Chief Admin Officer in an SEC filing
Jun 26, 2024Richard N. Tambor became a director
Apr 19, 2024Scott T Parker became a director
Feb 7, 2024Mohit Daswani became a director
Feb 7, 2024Carlos Minetti became a director
Jan 3, 2024Carl Pascarella reported in an SEC filing no longer being a director
Sep 7, 2023Todd C Chaffee reported in an SEC filing no longer being a 10% owner
Sep 7, 2023Stephen J Harrick reported in an SEC filing no longer being a 10% owner
Not reported recently (10)
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.

OPRT Proposed Insider Sales (Form 144)

Latest: 2026-09-11
Last 30d: 0 filings  ·  Last 90d: 3 filings · $243K notice value · 3 unique filers

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Top 90-day filers: Kirscht Patrick (1, $188K) · Layton Kathleen I. (1, $33K) · Schueller Joseph Andrew (1, $22K)
Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2026-09-11 144/A Schueller Joseph Andrew Officer 2,859 $22.3K 2026-09-10 Charles Schwab & Co., Inc. — EDGAR
2026-09-10 Layton Kathleen I. Officer 4,223 $32.9K 2026-09-10 Charles Schwab & Co., Inc. — EDGAR
2026-08-12 Kirscht Patrick Officer 25,000 $187.7K 2026-08-12 Charles Schwab & Co., Inc. — EDGAR
2026-03-10 Layton Kathleen I. Officer 19,355 $94.7K 2026-03-10 Charles Schwab & Co., Inc. — EDGAR
2026-03-10 Kirscht Patrick Officer 54,299 $265.8K 2026-03-10 Charles Schwab & Co., Inc. — EDGAR
2025-09-10 Layton Kathleen I. Officer 4,226 $28.1K 2025-09-10 Charles Schwab & Co., Inc. — EDGAR
2025-09-04 144/A PARKER SCOTT T Former Affiliate 3,417 $23.7K 2025-09-04 Charles Schwab & Co., Inc. — EDGAR
2025-05-09 Mueller Casey Former Affiliate 22,500 $151.9K 2025-05-09 Charles Schwab & Co., Inc. — EDGAR
2025-03-10 Mueller Casey Officer 26,247 $157.2K 2025-03-10 Charles Schwab & Co., Inc. — EDGAR
2025-03-10 Layton Kathleen I. Officer 12,717 $76.2K 2025-03-10 Charles Schwab & Co., Inc. — EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
ETF Holders
37 ETFs hold OPRT
25 shown · $63.04M total exposure · 0.02% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.01% $10.1M $74.6B 2026-10-23
2 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.03% $10.0M $32.2B 2026-10-23
3 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $9.7M — 2026-09-30
4 DFSV Dimensional US Small Cap Value ETF Dimensional 0.02% $5.9M — 2026-10-23
5 DFAT Dimensional US Targeted Value ETF Dimensional 0.01% $4.5M — 2026-10-23
6 VXF Vanguard Extended Market ETF Vanguard 0.00% $4.0M — 2026-09-30
7 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.03% $3.7M $13.9B 2026-10-23
8 DFAS Dimensional US Small Cap ETF Dimensional 0.01% $3.1M — 2026-10-23
9 VTWO Vanguard Russell 2000 ETF Vanguard 0.01% $2.0M — 2026-09-30
10 FDM First Trust Dow Jones Select MicroCap Index Fund First Trust 0.64% $1.7M $268.3M 2026-10-23
11 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.10% $1.2M $1.2B 2026-10-23
12 VFVA Vanguard U.S. Value Factor ETF Vanguard 0.12% $1.2M — 2026-10-23
13 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.05% $1.2M — 2026-06-30
14 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $872,692 — 2026-10-23
15 DFMC Dimensional US Micro Cap ETF Dimensional 0.01% $740,714 — 2026-10-23
16 AVSC Avantis U.S. Small Cap Equity ETF Avantis 0.02% $625,150 $3.2B 2026-10-23
17 GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF Goldman 0.05% $574,476 $1.0B 2026-10-23
18 EES WisdomTree U.S. SmallCap Fund Nport 0.05% $366,205 — 2026-06-30
19 PRFZ Invesco RAFI US 1500 Small-Mid ETF Nport 0.01% $361,701 — 2026-07-31
20 VTWV Vanguard Russell 2000 Value ETF Vanguard 0.02% $328,164 — 2026-09-30
21 AVUS Avantis U.S. Equity ETF Avantis 0.00% $323,001 $14.7B 2026-10-23
22 RSSL Global X Russell 2000 ETF Global X 0.01% $191,307 — 2026-10-26
23 DXUV Dimensional US Vector Equity ETF Dimensional 0.00% $115,555 — 2026-10-23
24 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $106,769 — 2026-10-23
25 HAPS Harbor Human Capital Factor US Small Cap ETF Nport 0.04% $73,438 — 2026-07-31
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
23.42
TTM Diluted EPS
$0.40
TTM Revenue
$903.61M
TTM Net Income
$19.48M
TTM Op. Cash Flow
$420.95M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q2 '262026-06-30$233.23M$8.54M$0.17$109.31M
Q1 '262026-03-31$215.66M$2.35M$0.05$103.73M
Q4 '252025-12-31$232.38M$3.40M$0.07$108.86M
Q3 '252025-09-30$222.34M$5.20M$0.11$99.04M
Q2 '252025-06-30$234.35M$6.88M$0.14$104.53M
Q1 '252025-03-31$220.22M$9.77M$0.21$100.98M
Q4 '242024-12-31$233.46M$8.74M$0.26$91.44M
Q3 '242024-09-30$230.04M$-29.96M$-0.75$108.47M
Q2 '242024-06-30$231.37M$-31.02M$-0.78$107.73M
Q1 '242024-03-31$230.59M$-26.44M$-0.68$85.88M
Q4 '232023-12-31$262.62M$-41.82M$-1.08$106.31M
Q3 '232023-09-30$268.22M$-21.14M$-0.55$107.10M
Q2 2026 • period ending 2026-06-30 • filed 2026-08-06
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
23.43
P/B
1.12
P/S
0.50
EV/EBITDA
4.25
EV/Sales
2.81
ROE
4.8%
ROA
0.6%
Div Yield
0.00%
FCF Yield
92.60%
Debt/Equity
5.47
Current Ratio
—
Market Cap
$454.59M
as of 2026-10-26
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
1.79M
SI % of Float
5.09%
Days to Cover
2.18
Short Vol Ratio
75.6%
Free Float
35.12M
Float %
76.4%
Short interest 2026-09-30 • Short volume 2026-10-26 • Float 2026-08-14