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Oportun Financial Corp. (OPRT)
:OPRT
US Market
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Oportun Financial (OPRT) Ratios

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Oportun Financial Ratios

OPRT's free cash flow for Q2 2025 was $0.64. For the 2025 fiscal year, OPRT's free cash flow was decreased by $ and operating cash flow was $0.06. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
6.47 0.57 -63.94 0.37 0.60
Quick Ratio
6.47 0.57 -115.31 0.96 1.40
Cash Ratio
6.47 0.22 -28.58 0.32 0.54
Solvency Ratio
0.01 -0.04 >-0.01 0.03 -0.02
Operating Cash Flow Ratio
27.08 0.96 -71.71 0.40 0.61
Short-Term Operating Cash Flow Coverage
27.08 1.10 0.78 0.41 0.62
Net Current Asset Value
$ -2.73B$ -2.78B$ -2.85B$ -2.19B$ -1.39B
Leverage Ratios
Debt-to-Assets Ratio
<0.01 0.86 0.82 0.75 0.73
Debt-to-Equity Ratio
0.04 7.27 5.42 3.66 3.14
Debt-to-Capital Ratio
0.04 0.88 0.84 0.79 0.76
Long-Term Debt-to-Capital Ratio
0.88 0.86 0.84 0.78 0.72
Financial Leverage Ratio
8.51 8.44 6.60 4.88 4.31
Debt Service Coverage Ratio
0.26 -0.23 >-0.01 0.17 -0.08
Interest Coverage Ratio
0.15 -1.11 0.19 1.32 -0.99
Debt to Market Cap
9.49 20.27 17.94 4.47 2.76
Interest Debt Per Share
5.61 84.55 93.19 79.99 55.68
Net Debt to EBITDA
-1.35 -14.33 0.00 23.10 -35.04
Profitability Margins
Gross Profit Margin
67.77%100.00%100.00%100.00%100.00%
EBIT Margin
1.68%-24.00%-7.42%11.84%-17.34%
EBITDA Margin
7.40%-18.81%0.00%16.95%-11.30%
Operating Profit Margin
4.44%-18.81%2.77%11.84%-17.34%
Pretax Profit Margin
-1.50%-24.00%-11.75%11.84%-17.34%
Net Profit Margin
-0.56%-17.03%-12.14%8.94%-13.46%
Continuous Operations Profit Margin
-0.56%-17.03%-12.13%8.94%-13.45%
Net Income Per EBT
37.23%70.94%103.32%75.50%77.62%
EBT Per EBIT
-33.90%127.61%-423.99%100.00%100.00%
Return on Assets (ROA)
-0.14%-5.27%-2.15%1.61%-2.24%
Return on Equity (ROE)
-1.29%-44.50%-14.21%7.85%-9.67%
Return on Capital Employed (ROCE)
1.14%-6.62%0.49%2.47%-3.31%
Return on Invested Capital (ROIC)
7.30%-4.03%2.80%11.45%-20.45%
Return on Tangible Assets
-0.15%-5.46%-2.24%1.75%-2.28%
Earnings Yield
-1.48%-124.81%-43.01%8.31%-8.52%
Efficiency Ratios
Receivables Turnover
91.20 120.36 57.60 25.38 21.76
Payables Turnover
15.16 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
84.07 37.62 21.08 13.81 7.16
Asset Turnover
0.26 0.31 0.18 0.18 0.17
Working Capital Turnover Ratio
10.94 44.17 -43.99 -3.00 -8.24
Cash Conversion Cycle
-20.07 3.03 6.34 14.38 16.77
Days of Sales Outstanding
4.00 3.03 6.34 14.38 16.77
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
24.07 0.00 0.00 0.00 0.00
Operating Cycle
4.00 3.03 6.34 14.38 16.77
Cash Flow Ratios
Operating Cash Flow Per Share
8.71 10.65 7.55 5.80 5.59
Free Cash Flow Per Share
8.47 9.80 6.06 4.86 4.62
CapEx Per Share
0.23 0.85 1.49 0.94 0.97
Free Cash Flow to Operating Cash Flow
0.97 0.92 0.80 0.84 0.83
Dividend Paid and CapEx Coverage Ratio
37.41 12.56 5.07 6.17 5.75
Capital Expenditure Coverage Ratio
37.41 12.56 5.07 6.17 5.75
Operating Cash Flow Coverage Ratio
27.08 0.13 0.08 0.07 0.10
Operating Cash Flow to Sales Ratio
0.50 0.37 0.39 0.31 0.46
Free Cash Flow Yield
135.44%250.72%110.02%23.98%23.86%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
-67.40 -0.80 -2.32 12.04 -11.74
Price-to-Sales (P/S) Ratio
0.36 0.14 0.28 1.08 1.58
Price-to-Book (P/B) Ratio
0.82 0.36 0.33 0.95 1.14
Price-to-Free Cash Flow (P/FCF) Ratio
0.74 0.40 0.91 4.17 4.19
Price-to-Operating Cash Flow Ratio
0.76 0.37 0.73 3.49 3.46
Price-to-Earnings Growth (PEG) Ratio
-0.81 >-0.01 <0.01 -0.06 0.03
Price-to-Fair Value
0.82 0.36 0.33 0.95 1.14
Enterprise Value Multiple
3.47 -15.05 0.00 29.45 -49.02
Enterprise Value
209.50M 2.99B 3.05B 2.65B 1.86B
EV to EBITDA
3.47 -15.05 0.00 29.45 -49.02
EV to Sales
0.26 2.83 4.76 4.99 5.54
EV to Free Cash Flow
0.53 8.28 15.32 19.34 14.70
EV to Operating Cash Flow
0.52 7.62 12.30 16.20 12.14
Tangible Book Value Per Share
6.39 7.86 9.12 13.07 16.06
Shareholders’ Equity Per Share
8.07 10.97 16.68 21.42 17.06
Tax and Other Ratios
Effective Tax Rate
0.63 0.29 -0.03 0.25 0.22
Revenue Per Share
17.54 28.66 19.52 18.81 12.26
Net Income Per Share
-0.10 -4.88 -2.37 1.68 -1.65
Tax Burden
0.37 0.71 1.03 0.76 0.78
Interest Burden
-0.90 1.00 1.58 1.00 1.00
Research & Development to Revenue
0.02 0.00 0.05 0.03 0.03
SG&A to Revenue
0.10 0.18 0.33 0.29 0.38
Stock-Based Compensation to Revenue
0.01 0.02 0.04 0.04 0.06
Income Quality
-88.64 -2.18 -3.19 3.45 -3.39
Currency in USD
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