Oportun is a distressed lender that lends with an average annual interest rate of around 30%. A combination of mismanagement (bloated cost structure) and bad macro (increased charge-offs) led to the stock price decreasing by 75% since the IPO in 2019. As costs and charge-offs decrease the stock should be 4-7x the current price. Both of them already started improving and there is a clear path to further improvement.