OPRT vs VAC: Correlation
How closely do Oportun Financial Corporation (OPRT) and Marriott Vacations Worldwide Corporation (VAC) trade together? Their weekly returns over three years give a correlation of 0.46, which is moderate.
Data as of 2026-08-27 · refreshed every trading day · weekly returns · methodology
How correlated are OPRT and VAC?
Over the past 3 years, OPRT and VAC moved with a correlation of 0.46, which is moderate. The link has tightened recently: the 1-year correlation (0.65) runs above the 3-year figure (0.46). Over 5 years the correlation is 0.45, and the annualized covariance of weekly returns is 1794.4 %².
By 3-year correlation, VAC places #5 of the 11 assets tracked against OPRT. Their recent paths diverged sharply: over the last 12 months VAC outperformed by 34.1 percentage points (+14.4% for OPRT against +48.5% for VAC). Note the risk asymmetry: OPRT runs 1.8 times the annualized volatility of the other leg, so equal-weighting the two is not an equal-risk position.
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 VAC: side by side
| OPRT (Oportun Financial Corporation) | VAC (Marriott Vacations Worldwide Corporation) | |
|---|---|---|
| 1-year return | +14.4% | +48.5% |
| 5-year return | -69.9% | -13.2% |
| Volatility (ann.) | 83.4% | 46.3% |
| Beta vs S&P 500 | 1.77 | 1.45 |
| Max drawdown (3Y) | -72.0% | -55.7% |
| Market cap | $0.3B | $3.8B |
| P/E (trailing) | 18.7 | – |
| Dividend yield | 0.00% | 2.78% |
| Sector / category | US Listed | US Listed |
Year-by-year returns
| Year | OPRT | VAC |
|---|---|---|
| 2022 | -72.8% | -18.9% |
| 2023 | -29.0% | -35.2% |
| 2024 | -0.8% | +9.6% |
| 2025 | +36.3% | -32.7% |
| 2026 | +41.4% | +97.5% |
Calendar-year price returns; the current year is year-to-date as of the data date above.
Are OPRT and VAC good diversifiers for each other?
A fair diversifier. At 0.46, enough of each asset's movement is its own that the pair has smoothed outcomes historically.
FAQ
What is the correlation between OPRT and VAC?
As of 2026-08-27, the correlation of weekly returns between OPRT and VAC is 0.46 over 3 years, 0.65 over 1 year and 0.45 over 5 years.
Is VAC a good diversifier for OPRT?
A fair diversifier. At 0.46, enough of each asset's movement is its own that the pair has smoothed outcomes historically.
What does a correlation of 0.46 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-vac.json
Markdown for the live badge, attribution link included:
[](https://www.pairbook.io/pair/oprt-vs-vac/)
Free with attribution; caching and terms are described in the API documentation.
Related comparisons
Hubs: OPRT correlations · VAC correlations
