OPRT vs RKT Stock Comparison
Compare OPRT and RKT across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between OPRT and RKT?
OPRT leads the current stock comparison as Oportun Financial Corporation, with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Oportun Financial Corporation vs Rocket Companies, Inc.
OPRT leads
OPRT leads by 25 AIQ points, primarily on Value and Momentum, and the lead has widened from 19 points over 30 sessions. Wall Street currently favors RKT on target upside.
Stable: 5 of 6 evidence groups support OPRT, its lead is widening, and its current signal state is conflicted.
Oportun Financial Corporation
Rocket Companies, Inc.
The Algovestiq AIQ Score currently favors OPRT over RKT, 56 versus 31 as of Sep 11, 2026. OPRT's advantage is driven primarily by stronger value and momentum, while RKT holds the stronger quality profile. OPRT also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors RKT. 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: Strengthening — the AIQ differential moved from 19 to 25 points over 30 sessions.
Compare Oportun Financial Corporation and Rocket Companies, Inc. 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 OPRT and RKT 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.
- Value73 vs 25OPRT +48
- Momentum68 vs 34OPRT +34
- Risk Resilience45 vs 15OPRT +30
- Quality35 vs 41RKT +6
5 of 6 evidence groups favor OPRT. OPRT’s edge is concentrated in value and momentum; RKT keeps a meaningful quality edge.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum +2
No new signals fired.
Largest factor move: Momentum +2
No new signals fired.
OPRT's lead narrowed by 1 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — OPRT and RKT both carry a full feed there.
The central trade-off
OPRT (Oportun Financial Corporation): the stronger current systematic profile, led by value and momentum.
RKT (Rocket Companies, Inc.): the counter-case, on quality, analyst expectations — but at materially higher volatility, 51.8% 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 48 points.
Momentum
OPRTOPRT on the Momentum factor, by 34 points.
Lower downside
OPRTOPRT on Risk Resilience, by 30 points.
Analyst upside
RKTRKT 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 RKT. That disagreement is the most useful thing on this page.
| Measure | OPRT | RKT | Note |
|---|---|---|---|
| Implied upside to target | +1.7% | +41.3% | RKT has more room |
| Target dispersion | 0% | +34.9% | Lower is tighter analyst agreement |
| Consensus | Buy | Buy | Context, not a primary driver |
| Analysts covering | 1 | 4 | 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 | 56 vs 31 |
| Fundamentals | OPRTon balance | revenue growth 63.3% vs -3.5%; EPS growth 240% vs -26.3%; TTM ROE 4.9% vs 2.4%; gross margin 70.2% vs 89.9%; operating margin 5.8% vs 20.2% — OPRT takes 3 of 5 decided legs, not all of them |
| Valuation | OPRT | Value 73 vs 25 |
| Technicals | OPRT | Price vs 50-day 17.8% vs -6.1%; vs 200-day 36.8% vs -18.1% |
| Risk Resilience | OPRT | Risk Resilience 45 vs 15 |
| Analyst expectations | RKT | Target upside 1.7% vs 41.3% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of OPRT and RKT 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 25 points. (supports the conclusion holding)
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- The leader's advantage has been widening. (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: Strengthening — the AIQ differential moved from 19 to 25 points over 30 sessions.
- Today
- OPRT +25
- 56 vs 31
- 7 sessions ago
- OPRT +25
- 56 vs 31
- 30 sessions ago
- OPRT +19
- 58 vs 39
- 90 sessions ago
- OPRT +20
- 58 vs 38
The lead has not changed hands in this window.
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.
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
0 bullish / 3 bearish / 2 neutral
- Death Cross Active — bearish, trend, long horizon (14.74%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Downtrend Structure Active — bearish, 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 +2.74%, AIQ 0 points).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.08%, AIQ +1 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.
- 1RKT closes the Value gap — currently 48 points behind, the largest single contributor to OPRT's edge.
- 2RKT'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 | OPRT | RKT |
|---|---|---|
| Revenue growth (YoY) | 63.3% | -3.5% |
| EPS growth (YoY) | 240% | -26.3% |
| Gross margin | 70.2% | 89.9% |
| Operating margin | 5.8% | 20.2% |
| Return on equity (TTM) | 4.9% | 2.4% |
| Debt to equity | 6.54 | 1.41 |
Performance
OPRT leads 6 of 6 windows| Metric | OPRT | RKT |
|---|---|---|
| 1 week (5 sessions) | 3.1% | -2.7% |
| 1 month (20 sessions) | 1.9% | -6.1% |
| 3 months (63 sessions) | 56.3% | 5.2% |
| 6 months (126 sessions) | 57.4% | -12.9% |
| Year to date | 44.8% | -31.9% |
| 1 year (252 sessions) | 14.8% | -34.5% |
Technicals
OPRT has the stronger structure| Metric | OPRT | RKT |
|---|---|---|
| RSI (14) | 58.2 | 40.7 |
| ADX (14) | 29.7 | 9.6 |
| Price vs 50-day | 17.8% | -6.1% |
| Price vs 200-day | 36.8% | -18.1% |
| Volatility (1M, annualized) | 38.4% | 51.8% |
Risk
OPRT is the more resilient| Metric | OPRT | RKT |
|---|---|---|
| Beta | 1.7 | 2.17 |
| Sharpe ratio | 0.46 | -0.55 |
| Sortino ratio | 0.9 | -0.91 |
| Max drawdown | -41.8% | -47.3% |
| Current drawdown | -5.3% | -43.7% |
| Annualized volatility | 65.2% | 57.6% |
| Value at risk (95%) | -5.2% | -5.9% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, OPRT or RKT?
On the Algovestiq AIQ Score, OPRT is the stronger of the two as of Sep 11, 2026, scoring 56 against RKT's 31. The edge comes from value and momentum. RKT is not without a case — it holds the better quality profile, which matters more if that is the objective you are optimizing for. 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 OPRT or RKT 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 RKT?
The composite weights Quality, Value, Momentum and Risk Resilience. OPRT leads Value by 48 points; OPRT leads Momentum by 34 points; OPRT leads Risk Resilience by 30 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, OPRT or RKT?
Analyst price targets imply +1.7% upside for OPRT and +41.3% for RKT, so the Street currently favors RKT. 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, OPRT or RKT?
OPRT is the better-valued of the two on the peer-relative Value factor. OPRT on the peer-relative Value factor, by 48 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, OPRT or RKT?
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, OPRT or RKT?
OPRT on the Momentum factor, by 34 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, OPRT or RKT?
OPRT is the more resilient of the two, so the other name carries the higher downside risk. OPRT on Risk Resilience, by 30 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 OPRT more profitable than RKT?
The profitability evidence is mixed: gross margin 70.2% vs 89.9%; operating margin 5.8% vs 20.2%; ttm roe 4.9% vs 2.4%. OPRT leads on one measure and RKT on two measures, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is OPRT's lead over RKT getting stronger or weaker?
OPRT lead: Strengthening — the AIQ differential moved from 19 to 25 points over 30 sessions. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has not changed hands in that window.
What would change the OPRT vs RKT verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: RKT closes the Value gap — currently 48 points behind, the largest single contributor to OPRT's edge; RKT'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 OPRT and RKT?
OPRT: 3 bullish / 1 bearish / 1 neutral, conflicted. RKT: 0 bullish / 3 bearish / 2 neutral. 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 OPRT is Golden Cross Active (bullish, long horizon). On RKT it is Death Cross Active (bearish, long horizon).
Compare OPRT and RKT 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.