OPFI vs OPRT
OPFI: A fintech-powered lending platform partnering with community banks to provide fair, transparent installment credit and financial education to everyday Americans underserved by mainstream finance. OPRT: Oportun is a digital financial inclusion platform that provides AI-driven personal loans and automated savings solutions to underserved Americans excluded from traditional banking.
Side-by-side fundamentals
| Metric | OPFI | OPRT | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $9.42 | $5.63 | |
| Market cap as of 2026-07-31 | $1.4B | $258M | |
| P/E as of 2026-07-31 | 20.53 | 15.20 | OPRT lower |
| Net margin as of 2026-07-31 | +10.9% | +4.5% | OPFI higher |
| Gross margin as of 2026-07-31 | +98.9% | n/a | |
| Operating margin as of 2026-07-31 | +26.2% | +8.7% | OPFI higher |
| ROE as of 2026-07-31 | +134.3% | +4.6% | OPFI higher |
| ROA as of 2026-07-31 | +9.2% | +0.6% | OPFI higher |
| Debt / equity as of 2026-07-31 | 3.76 | 6.83 | OPFI lower |
| Revenue growth (YoY) as of 2026-07-31 | +12.9% | +22.7% | OPRT higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +0.1% | |
| Dividend yield as of 2026-07-31 | +0.5% | n/a | |
| Dividend streak (yrs) SEC XBRL | 2 | n/a | |
| Beta as of 2026-07-31 | 1.84 | 1.55 | |
| 1-year return as of 2026-07-27 close | -16.4% | -8.9% | OPRT higher |
Fundamentals: market data, as of 2026-07-31. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.