Oportun Financial (OPRT) vs PayPal (PYPL)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 10, 2026.
Summary
Oportun Financial (OPRT) has outperformed PayPal (PYPL) over the past year, gaining 65.5% versus a loss of 26.7%. Over five years, OPRT leads with a -64.7% price change compared with -79.3% for PYPL. PayPal is the larger company by market cap ($47.50 billion vs $410.2 million), about 115.8 times the size.
On valuation, Oportun Financial trades at a lower forward P/E (4.6x vs 9.6x for PayPal). PayPal pays a dividend yielding 1.01%, while Oportun Financial does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | OPRT | PYPL |
|---|---|---|
| Share price | $8.92 | $55.53 |
| Market cap | $410.21M | $47.50B |
| 1-day change | +3.00% | +0.93% |
| YTD return | +68.62% | -4.88% |
| 1-year return | +65.49% | -26.69% |
| 5-year return | -64.69% | -79.31% |
| P/E ratio (TTM) | 22.30 | 10.40 |
| Forward P/E | 4.57 | 9.61 |
| EPS (TTM) | $0.40 | $5.34 |
| Dividend yield | 0.00% | 1.01% |
| Annual dividend | $0.00 | $0.56 |
| Revenue (latest FY) | — | $33.17B |
| Revenue growth (YoY) | — | +4.32% |
| Net income (latest FY) | — | $5.23B |
| Operating margin | — | 18.28% |
| Net margin | — | 15.78% |
| 52-week high | $9.07 | $79.22 |
| 52-week low | $4.03 | $38.46 |
| Distance from 52-week high | -1.65% | -29.90% |
| Analyst consensus | buy | hold |
| Avg. price target upside | +17.71% | +2.45% |
| Average volume | 540.63K | 14.14M |
| Shares outstanding | 45.99M | 855.46M |
| Employees | 2,405 | 23,800 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- PayPal is about 115.8 times larger than Oportun Financial by market value ($47.50B vs $410.21M).
- OPRT has outperformed PYPL by 92.2 percentage points over the past year.
- Oportun Financial trades at a higher earnings multiple (22.3x vs 10.4x trailing P/E).
- PayPal offers a meaningfully higher dividend yield (1.01% vs 0.00%).
About Oportun Financial
OPRT stock →Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards.
Financial Services · Credit Services · 2,405 employees
About PayPal
PYPL stock →PayPal Holdings, Inc. operates a technology platform that enables digital payments for merchants and consumers worldwide.
Financial Services · Credit Services · 23,800 employees
OPRT vs PYPL FAQ
Which is bigger, Oportun Financial or PayPal?
PayPal (PYPL) is larger, with a market capitalization of $47.50B compared with $410.21M for Oportun Financial (OPRT).
Which stock has performed better over the past year, OPRT or PYPL?
OPRT returned +65.49% over the past 12 months, compared with -26.69% for PYPL (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, OPRT or PYPL?
PYPL has the lower trailing P/E at 10.4, versus 22.3 for OPRT. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Oportun Financial or PayPal?
PayPal pays a dividend yielding 1.01%, while Oportun Financial does not currently pay a regular dividend.
Are Oportun Financial and PayPal in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.