OPRT vs COSO

Comparison between Oportun Financial Corp (OPRT, Company) and CoastalSouth Bancshares Inc (COSO, Company).

Both OPRT and COSO are from the Financial Services sector.

5-Year PerformanceCOSO has outperformed OPRT, delivering a return of +10.8% compared to -20.9%

OPRT vs COSO - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OPRT(COMPANY)	COSO(COMPANY)
Market Cap	$346M	$345M
Max Drawdown	92.32%	43.38%
Sharpe Ratio	0.63	1.55
5Y Beta	1.53	0.17
Industry	Credit Services	Banks - Regional
P/E Ratio	17.42	12.57
Forward P/E	6.84	N/A
Dividend Yield	N/A	0.36%
5Y EPS CAGR	-1.04%	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	N/A	19.42%

Market Cap

Winner

OPRT

$346M

COSO

$345M

Max Drawdown

OPRT

92.32%

Winner

COSO

43.38%

Sharpe Ratio

OPRT

0.63

Winner

COSO

1.55

5Y Beta

OPRT

1.53

Winner

COSO

0.17

Industry

OPRT

Credit Services

COSO

Banks - Regional

P/E Ratio

OPRT

17.42

Winner

COSO

12.57

Forward P/E

OPRT

6.84

COSO

N/A

Dividend Yield

OPRT

N/A

COSO

0.36%

5Y EPS CAGR

OPRT

-1.04%

COSO

N/A

Debt to Equity

OPRT

0.00%

COSO

0.00%

Free Cash Flow Yield

OPRT

N/A

COSO

19.42%

OPRT vs COSO - Historical Returns

Returns include dividend reinvestment.

Period	OPRT	COSO
1 month	+33.80%	+5.37%
3 months	+44.15%	+11.00%
6 months	+54.03%	+12.33%
1 year	+22.24%	+40.37%
5 years(CAGR)	-20.86%	+10.81%
10 years(CAGR)	N/A	+34.47%
Max(CAGR)	-10.32%	+34.47%

Winner

OPRT

+33.80%

COSO

+5.37%

Winner

OPRT

+44.15%

COSO

+11.00%

Winner

OPRT

+54.03%

COSO

+12.33%

OPRT

+22.24%

Winner

COSO

+40.37%

5Y(CAGR)

OPRT

-20.86%

Winner

COSO

+10.81%

10Y(CAGR)

OPRT

N/A

COSO

+34.47%

Max(CAGR)

OPRT

-10.32%

Winner

COSO

+34.47%

OPRT vs COSO - Annual Returns (2017 - 2026)

Returns include dividend reinvestment.

Year	OPRT	COSO
2026	+50.99%	+21.59%
2025	+35.99%	+5.97%
2024	+0.52%	+43.88%
2023	-30.67%	-16.67%
2022	-73.30%	+4.29%
2021	+8.99%	+42.64%
2020	-18.03%	-3.59%
2019	+47.19%	+0.40%
2018	N/A	-8.09%
2017	N/A	-7.50%

OPRT vs COSO Drawdown Comparison

The maximum drawdown for OPRT was -92.32%, occurring on Apr 17, 2024. This drawdown has not yet recovered.

The maximum drawdown for COSO was -43.38%, occurring on Sep 29, 2022. Recovery took 953 trading sessions.

The current OPRT drawdown is -72.46%.

Rank	OPRT	COSO
#1	-92.32% Nov 12, 2021 - Apr 17, 2024	-43.38% Feb 25, 2022 - Dec 16, 2025
#2	-78.67% Dec 26, 2019 - Aug 6, 2021	-35.57% Apr 23, 2019 - Apr 1, 2021
#3	-14.22% Oct 7, 2021 - Nov 8, 2021	-23.33% Oct 25, 2018 - Feb 7, 2019
#4	-11.32% Sep 27, 2019 - Oct 24, 2019	-12.65% May 10, 2021 - Feb 25, 2022
#5	-10.00% Nov 19, 2019 - Nov 29, 2019	-8.26% Dec 16, 2025 - Feb 4, 2026
#6	-9.16% Sep 3, 2021 - Oct 7, 2021	-7.75% Feb 6, 2026 - Apr 8, 2026
#7	-8.26% Nov 29, 2019 - Dec 18, 2019	-7.50% Sep 7, 2017 - Oct 19, 2018
#8	-7.12% Aug 11, 2021 - Aug 27, 2021	-5.15% Jul 1, 2026 - Jul 28, 2026
#9	-5.12% Oct 25, 2019 - Nov 7, 2019	-3.89% Apr 20, 2026 - Jun 5, 2026
#10	-4.20% Dec 19, 2019 - Dec 23, 2019	-2.17% Jul 28, 2026 - Aug 7, 2026
#11	-3.13% Nov 13, 2019 - Nov 19, 2019	-1.97% Apr 9, 2026 - Apr 20, 2026
#12	-2.45% Aug 6, 2021 - Aug 11, 2021	-1.89% Jun 12, 2026 - Jun 23, 2026
#13	-2.13% Aug 27, 2021 - Sep 1, 2021	-1.29% Jun 24, 2026 - Jul 1, 2026
#14	-0.48% Nov 10, 2021 - Nov 12, 2021	-1.18% Aug 7, 2026 - Aug 13, 2026
#15	-0.37% Nov 8, 2021 - Nov 10, 2021	-0.28% Feb 4, 2026 - Feb 6, 2026

Correlation

Correlation between OPRT and COSO is -0.39 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.39

-101