-27%

est. 2Y upside i

FinTechSeries D+

Rank

#2897

Sector

Fintech

Est. Liquidity

~3Y

Data Quality

Data: Medium

Given the negative revenue growth (-4.5% YoY) and high preference overhang ($538M on a $262M valuation), the expected equity upside over 2 years is -26.7%.

Last updated: July 3, 2026

Bull (15%)+100%

Revenue stabilizes at ~$957M, multiple expands to ~1.1x as turnaround succeeds, yielding common value of $524M after preferred. Upside capped at 100% per stage constraint.

Base (30%)+44%

Revenue declines to ~$872M, multiple improves to 0.75x, exit value $654M, common gets $116M after $538M pref, upside 44.3%.

Bear (55%)-100%

Revenue declines to $800M, multiple compresses to 0.3x, exit value $240M below $538M preferred, common stock worthless.

Est. time to liquidity~3.0 years

Preference Stack Risk

severe

Funding Intensity

205%

Total preferred stock of $538M far exceeds the $262M common valuation, creating a 205% overhang that requires a large exit for common to recover value.

Dilution Risk

low

Company is profitable and not expected to raise capital in the next 2 years, so dilution is minimal.

Secondary Liquidity

moderate

There is a recent secondary market indication ($262M valuation), suggesting some liquidity, but volume may be limited for employees.

Other — 51 roles

View all 51 open roles at Oportun →

Last updated: February 22, 2026

Questions to Ask at the Interview

Strategic questions based on Oportun's data — designed to show you've done your homework.

  • 1

    “How would you help Oportun reverse its revenue decline and gain market share against incumbents?”

  • 2

    “How sustainable is the loan origination model given rising defaults?”

  • 3

    “What is your required return on equity and how does this grant compare to a public company offer?”

Community

Valuation Sentiment

Our model estimates -27% upside. What do you think?

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Disclaimer: This analysis is AI-generated and does not constitute financial or career advice. Always conduct your own due diligence.