OPRT vs TOST: Correlation
Oportun Financial Corporation (OPRT) and Toast, Inc. (TOST) show a moderate relationship: their 3-year correlation of weekly returns is 0.48.
Data as of 2026-08-27 · refreshed every trading day · weekly returns · methodology
How correlated are OPRT and TOST?
Across a 3-year window, the weekly returns of OPRT and TOST correlate at 0.48, moderate. Recent behaviour matches the longer record: 0.45 over 1 year against 0.48 over 3. Stretching to 5 years gives 0.41, with an annualized covariance of 1870.2 %².
In OPRT's tracked universe of 11 assets, TOST sits right near the top at #1. Their recent paths diverged sharply: over the last 12 months OPRT outperformed by 34.2 percentage points (+14.4% for OPRT against -19.8% for TOST). Risk is not evenly split, since OPRT carries 1.8 times the volatility of the other side.
How is this computed?
Pearson correlation on weekly returns: ρ(A,B) = cov(rA, rB) / (σA · σB), over windows of 52, 156 and 260 weeks. Covariance is annualized (×52) and expressed in %². Full definitions on the methodology page.
OPRT vs TOST: side by side
| OPRT (Oportun Financial Corporation) | TOST (Toast, Inc.) | |
|---|---|---|
| 1-year return | +14.4% | -19.8% |
| 5-year return | -69.9% | -43.7% |
| Volatility (ann.) | 83.4% | 47.1% |
| Beta vs S&P 500 | 1.77 | 1.36 |
| Max drawdown (3Y) | -72.0% | -54.7% |
| Market cap | $0.3B | $20.3B |
| P/E (trailing) | 18.7 | 46.9 |
| Dividend yield | 0.00% | 0.00% |
| Sector / category | US Listed | US Listed |
Year-by-year returns
| Year | OPRT | TOST |
|---|---|---|
| 2022 | -72.8% | -48.1% |
| 2023 | -29.0% | +1.3% |
| 2024 | -0.8% | +99.6% |
| 2025 | +36.3% | -2.6% |
| 2026 | +41.4% | -1.0% |
Calendar-year price returns; the current year is year-to-date as of the data date above.
Are OPRT and TOST good diversifiers for each other?
A fair diversifier. At 0.48, enough of each asset's movement is its own that the pair has smoothed outcomes historically.
FAQ
What is the correlation between OPRT and TOST?
As of 2026-08-27, the correlation of weekly returns between OPRT and TOST is 0.48 over 3 years, 0.45 over 1 year and 0.41 over 5 years.
Is TOST a good diversifier for OPRT?
A fair diversifier. At 0.48, enough of each asset's movement is its own that the pair has smoothed outcomes historically.
What does a correlation of 0.48 mean?
Correlation ranges from −1 to +1. Values near +1 mean two assets move together, near 0 that they move independently, and negative values that they tend to move in opposite directions. It measures co-movement, not performance.
Use this data
$ curl https://www.pairbook.io/api/v1/pairs/oprt-vs-tost.json
Embed this badge (it refreshes with the data), with attribution:
[](https://www.pairbook.io/pair/oprt-vs-tost/)
No key needed, free to use. Full endpoint list in the API documentation.
Related comparisons
Hubs: OPRT correlations · TOST correlations
