OPEN vs OPRT Stock Comparison
Compare OPEN and OPRT across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between OPEN and OPRT?
OPRT leads the current stock comparison as Oportun Financial Corporation, with the clearest separation coming from momentum and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Opendoor Technologies Inc. vs Oportun Financial Corporation
OPRT leads
OPRT leads by 15 AIQ points, primarily on Momentum and Value. Wall Street currently favors OPEN on target upside.
Stable: 5 of 6 evidence groups support OPRT, and its current signal state is conflicted.
Opendoor Technologies Inc.
Oportun Financial Corporation
The Algovestiq AIQ Score currently favors OPRT over OPEN, 56 versus 41 as of Sep 11, 2026. OPRT's advantage is driven primarily by stronger momentum and value. OPRT also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors OPEN. 5 of 6 covered evidence groups favor OPRT today, and the comparison is rated Stable on stability: the leader is throwing conflicting signals. OPRT lead: Stable — the AIQ differential has held near 15 points over 30 sessions. OPRT leads on all four AIQ factor dimensions. Value is itself one of those four, so a sweep is not explained by valuation alone — it deserves additional scrutiny for unmodeled catalysts, expectations or event risk.
Compare Opendoor Technologies Inc. and Oportun Financial Corporation across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare OPEN and OPRT against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Momentum25 vs 68OPRT +43
- Value65 vs 73OPRT +8
- Risk Resilience39 vs 45OPRT +6
- Quality31 vs 35OPRT +4
5 of 6 evidence groups favor OPRT. OPRT’s edge is concentrated in momentum and value.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
No factor moved materially.
New signals
- BB Lower Band Breach — bullish, volatility, short horizon
- Keltner Channel Breakdown — bearish, volatility, short horizon
Largest factor move: Momentum +2
No new signals fired.
OPRT's lead was unchanged in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — OPEN and OPRT both carry a full feed there.
The central trade-off
OPRT (Oportun Financial Corporation): the stronger current systematic profile, led by momentum and value.
OPEN (Opendoor Technologies Inc.): the counter-case, on analyst expectations — but at materially higher volatility, 57.6% against 38.4%.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
OPRTOPRT on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
OPRTOPRT on combined revenue and EPS growth.
Value
OPRTOPRT on the peer-relative Value factor, by 8 points.
Momentum
OPRTOPRT on the Momentum factor, by 43 points.
Lower downside
OPRTOPRT on Risk Resilience, by 6 points.
Analyst upside
OPENOPEN on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors OPRT, analyst targets favor OPEN. That disagreement is the most useful thing on this page.
| Measure | OPEN | OPRT | Note |
|---|---|---|---|
| Implied upside to target | +112.2% | +1.7% | OPEN has more room |
| Target dispersion | +63.3% | 0% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 3 | 1 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
5 of 6 covered evidence groups favor OPRT. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | OPRT | 41 vs 56 |
| Fundamentals | OPRT | revenue growth 22.6% vs 63.3%; EPS growth 5.6% vs 240%; TTM ROE -165.1% vs 4.9%; gross margin 8.3% vs 70.2%; operating margin -16% vs 5.8% |
| Valuation | OPRT | Value 65 vs 73 |
| Technicals | OPRT | Price vs 50-day -27.8% vs 17.8%; vs 200-day -40.8% vs 36.8% |
| Risk Resilience | OPRT | Risk Resilience 39 vs 45 |
| Analyst expectations | OPEN | Target upside 112.2% vs 1.7% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of OPEN and OPRT and are excluded from the count.
AIQ Decision Stability
The conclusion rests on a wide gap and broad agreement. It is unlikely to turn on a single session.
- The AIQ gap is wide at 15 points. (supports the conclusion holding)
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on OPRT.
How the comparison changed
119 daily snapshots · May 4 – Sep 10OPRT lead: Stable — the AIQ differential has held near 15 points over 30 sessions.
- Today
- OPRT +15
- 41 vs 56
- 7 sessions ago
- OPRT +14
- 42 vs 56
- 30 sessions ago
- OPRT +14
- 44 vs 58
- 90 sessions ago
- OPRT +9
- 49 vs 58
The lead changed hands 2 times in this window, most recently on Jun 5 when OPRT moved ahead of OPEN.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 5 bearish / 1 neutral, conflicted
- Death Cross Active — bearish, trend, long horizon (29.64%)
- BB Lower Band Breach — bullish, volatility, short horizon
- Keltner Channel Breakdown — bearish, volatility, short horizon
3 bullish / 1 bearish / 1 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (19.30%)
- EMA Ribbon Expansion Bullish — bullish, trend, medium horizon
- Uptrend Structure Active — bullish, trend, long horizon
OPRT leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.36%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +2.74%, AIQ 0 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1OPEN closes the Momentum gap — currently 43 points behind, the largest single contributor to OPRT's edge.
- 2OPEN's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3OPRT's conflicting signal state resolves bearish — it currently carries 3 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
OPRT leads on balance| Metric | OPEN | OPRT |
|---|---|---|
| Revenue growth (YoY) | 22.6% | 63.3% |
| EPS growth (YoY) | 5.6% | 240% |
| Gross margin | 8.3% | 70.2% |
| Operating margin | -16% | 5.8% |
| Return on equity (TTM) | -165.1% | 4.9% |
| Debt to equity | 0.21 | 6.54 |
Performance
OPRT leads 6 of 6 windows| Metric | OPEN | OPRT |
|---|---|---|
| 1 week (5 sessions) | -9.4% | 3.1% |
| 1 month (20 sessions) | -19.8% | 1.9% |
| 3 months (63 sessions) | -37.5% | 56.3% |
| 6 months (126 sessions) | -46.9% | 57.4% |
| Year to date | -47.3% | 44.8% |
| 1 year (252 sessions) | -52.1% | 14.8% |
Technicals
OPRT has the stronger structure| Metric | OPEN | OPRT |
|---|---|---|
| RSI (14) | 25.2 | 58.2 |
| ADX (14) | 31.4 | 29.7 |
| Price vs 50-day | -27.8% | 17.8% |
| Price vs 200-day | -40.8% | 36.8% |
| Volatility (1M, annualized) | 57.6% | 38.4% |
Risk
OPRT is the more resilient| Metric | OPEN | OPRT |
|---|---|---|
| Beta | 3.26 | 1.7 |
| Sharpe ratio | -0.17 | 0.46 |
| Sortino ratio | -0.4 | 0.9 |
| Max drawdown | -72.5% | -41.8% |
| Current drawdown | -72.5% | -5.3% |
| Annualized volatility | 118.3% | 65.2% |
| Value at risk (95%) | -8.7% | -5.2% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, OPEN or OPRT?
On the Algovestiq AIQ Score, OPRT is the stronger of the two as of Sep 11, 2026, scoring 56 against OPEN's 41. The edge comes from momentum and value. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is OPEN or OPRT the better buy right now?
OPRT carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Stable — 5 of 6 covered evidence groups agree. A Stable rating means the gap is wide and the evidence is broad, so the conclusion is unlikely to turn on a single session.
Why does the AIQ Score favor OPRT over OPEN?
The composite weights Quality, Value, Momentum and Risk Resilience. OPRT leads Momentum by 43 points; OPRT leads Value by 8 points; OPRT leads Risk Resilience by 6 points. OPRT leads on all four AIQ factor dimensions. Value is itself one of those four, so the sweep is not explained by OPEN simply being cheaper — it warrants extra scrutiny for unmodeled catalysts, forward expectations or event risk the factors do not capture.
Which has more analyst upside, OPEN or OPRT?
Analyst price targets imply +112.2% upside for OPEN and +1.7% for OPRT, so the Street currently favors OPEN. That points the opposite way to the AIQ Score, which favors OPRT. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, OPEN or OPRT?
OPRT is the better-valued of the two on the peer-relative Value factor. OPRT on the peer-relative Value factor, by 8 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, OPEN or OPRT?
OPRT on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, OPEN or OPRT?
OPRT on the Momentum factor, by 43 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, OPEN or OPRT?
OPRT is the more resilient of the two, so the other name carries the higher downside risk. OPRT on Risk Resilience, by 6 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is OPEN more profitable than OPRT?
OPRT leads on the comparable margin measures — gross margin 8.3% vs 70.2%; operating margin -16% vs 5.8%; ttm roe -165.1% vs 4.9%.
Is OPRT's lead over OPEN getting stronger or weaker?
OPRT lead: Stable — the AIQ differential has held near 15 points over 30 sessions. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has changed hands 2 times in that window, most recently on 2026-06-05, when OPRT moved ahead of OPEN.
What would change the OPEN vs OPRT verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: OPEN closes the Momentum gap — currently 43 points behind, the largest single contributor to OPRT's edge; OPEN's Death Cross Active resolves — a bearish trend rule currently active against it; OPRT's conflicting signal state resolves bearish — it currently carries 3 bullish and 1 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about OPEN and OPRT?
OPEN: 2 bullish / 5 bearish / 1 neutral, conflicted. OPRT: 3 bullish / 1 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on OPEN is Death Cross Active (bearish, long horizon). On OPRT it is Golden Cross Active (bullish, long horizon).
Compare OPEN and OPRT with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.