OPRT vs PINE

Comparison between Oportun Financial Corp (OPRT, Company) and Alpine Income Property Trust Inc (PINE, Company).

OPRT is from the Financial Services sector, while PINE is from the Real Estate sector.

5-Year PerformancePINE has outperformed OPRT, delivering a return of +7.2% compared to -20.9%

OPRT vs PINE - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	OPRT(COMPANY)	PINE(COMPANY)
Market Cap	$346M	$345M
Max Drawdown	92.32%	60.00%
Sharpe Ratio	0.63	1.62
5Y Beta	1.53	0.25
Industry	Credit Services	Reit - Retail
P/E Ratio	17.42	51.89
Forward P/E	6.84	91.74
Dividend Yield	N/A	6.01%
5Y Dividends CAGR	N/A	11.09%
5Y EPS CAGR	-1.04%	15.90%
Debt to Equity	0.00%	108.97%
Free Cash Flow Yield	N/A	6.21%

Market Cap

Winner

OPRT

$346M

PINE

$345M

Max Drawdown

OPRT

92.32%

Winner

PINE

60.00%

Sharpe Ratio

OPRT

0.63

Winner

PINE

1.62

5Y Beta

OPRT

1.53

Winner

PINE

0.25

Industry

OPRT

Credit Services

PINE

Reit - Retail

P/E Ratio

Winner

OPRT

17.42

PINE

51.89

Forward P/E

Winner

OPRT

6.84

PINE

91.74

Dividend Yield

OPRT

N/A

PINE

6.01%

5Y Dividends CAGR

OPRT

N/A

PINE

11.09%

5Y EPS CAGR

OPRT

-1.04%

Winner

PINE

15.90%

Debt to Equity

Winner

OPRT

0.00%

PINE

108.97%

Free Cash Flow Yield

OPRT

N/A

PINE

6.21%

OPRT vs PINE - Historical Returns

Returns include dividend reinvestment.

Period	OPRT	PINE
1 month	+33.80%	-3.29%
3 months	+44.15%	+5.71%
6 months	+54.03%	-1.11%
1 year	+22.24%	+42.54%
5 years(CAGR)	-20.86%	+7.15%
Max(CAGR)	-10.32%	+6.88%

Winner

OPRT

+33.80%

PINE

-3.29%

Winner

OPRT

+44.15%

PINE

+5.71%

Winner

OPRT

+54.03%

PINE

-1.11%

OPRT

+22.24%

Winner

PINE

+42.54%

5Y(CAGR)

OPRT

-20.86%

Winner

PINE

+7.15%

Max(CAGR)

OPRT

-10.32%

Winner

PINE

+6.88%

OPRT vs PINE - Annual Returns (2019 - 2026)

Returns include dividend reinvestment.

Year	OPRT	PINE
2026	+50.99%	+20.91%
2025	+35.99%	+7.77%
2024	+0.52%	+5.99%
2023	-30.67%	-5.67%
2022	-73.30%	-1.97%
2021	+8.99%	+48.94%
2020	-18.03%	-16.34%
2019	+47.19%	+0.46%

OPRT vs PINE 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 PINE was -60.00%, occurring on Mar 18, 2020. Recovery took 246 trading sessions.

The current OPRT drawdown is -72.46%. The current PINE drawdown is -9.52%.

Rank	OPRT	PINE
#1	-92.32% Nov 12, 2021 - Apr 17, 2024	-60.00% Feb 21, 2020 - Feb 11, 2021
#2	-78.67% Dec 26, 2019 - Aug 6, 2021	-26.69% Feb 3, 2023 - Aug 29, 2024
#3	-14.22% Oct 7, 2021 - Nov 8, 2021	-24.72% Sep 5, 2024 - Dec 5, 2025
#4	-11.32% Sep 27, 2019 - Oct 24, 2019	-21.52% Jan 4, 2022 - Jan 11, 2023
#5	-10.00% Nov 19, 2019 - Nov 29, 2019	-14.21% Jul 21, 2021 - Dec 28, 2021
#6	-9.16% Sep 3, 2021 - Oct 7, 2021	-12.47% Feb 12, 2021 - Jun 1, 2021
#7	-8.26% Nov 29, 2019 - Dec 18, 2019	-11.11% Feb 13, 2026 - Jun 10, 2026
#8	-7.12% Aug 11, 2021 - Aug 27, 2021	-10.53% Jul 17, 2026 - Aug 10, 2026
#9	-5.12% Oct 25, 2019 - Nov 7, 2019	-9.84% Jun 2, 2021 - Jul 2, 2021
#10	-4.20% Dec 19, 2019 - Dec 23, 2019	-6.11% Dec 9, 2025 - Jan 15, 2026
#11	-3.13% Nov 13, 2019 - Nov 19, 2019	-5.74% Jun 29, 2026 - Jul 17, 2026
#12	-2.45% Aug 6, 2021 - Aug 11, 2021	-5.49% Jan 23, 2026 - Feb 5, 2026
#13	-2.13% Aug 27, 2021 - Sep 1, 2021	-5.06% Jun 12, 2026 - Jun 24, 2026
#14	-0.48% Nov 10, 2021 - Nov 12, 2021	-4.55% Jul 2, 2021 - Jul 15, 2021
#15	-0.37% Nov 8, 2021 - Nov 10, 2021	-2.65% Jul 15, 2021 - Jul 21, 2021

Correlation

Correlation between OPRT and PINE is -0.35 which considered as a weak negative correlation - the stocks show a slight tendency to move in opposite directions.

-0.35

-101