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Oportun Financial Corp (OPRT)
NASDAQ:OPRT
US Market

Oportun Financial (OPRT) Ratios

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Oportun Financial Ratios

OPRT's free cash flow for Q3 2025 was $0.65. For the 2025 fiscal year, OPRT's free cash flow was decreased by $ and operating cash flow was $0.09. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
4.15 2.66 0.35 0.37 0.43
Quick Ratio
4.15 2.66 0.35 0.37 0.43
Cash Ratio
3.53 2.00 0.28 0.27 0.30
Solvency Ratio
0.03 >-0.01 -0.04 >-0.01 0.03
Operating Cash Flow Ratio
13.35 13.09 1.20 0.68 0.37
Short-Term Operating Cash Flow Coverage
0.00 0.00 1.35 0.78 0.41
Net Current Asset Value
$ -2.68B$ -2.79B$ -2.89B$ -2.93B$ -2.15B
Leverage Ratios
Debt-to-Assets Ratio
0.86 0.87 0.95 0.91 0.88
Debt-to-Equity Ratio
7.15 7.98 7.98 6.00 4.31
Debt-to-Capital Ratio
0.88 0.89 0.89 0.86 0.81
Long-Term Debt-to-Capital Ratio
0.88 0.89 0.88 0.84 0.78
Financial Leverage Ratio
8.30 9.12 8.44 6.60 4.88
Debt Service Coverage Ratio
0.30 -0.12 -0.27 -0.07 0.17
Interest Coverage Ratio
0.17 -0.48 -1.41 -0.81 1.32
Debt to Market Cap
11.57 17.91 22.19 17.94 4.47
Interest Debt Per Share
64.03 75.84 92.42 102.87 93.96
Net Debt to EBITDA
31.11 -43.15 -15.78 -114.76 27.48
Profitability Margins
Gross Profit Margin
62.31%55.35%61.00%87.32%91.75%
EBIT Margin
6.31%-21.59%-55.13%-10.26%10.86%
EBITDA Margin
12.93%-12.00%-43.20%-3.78%15.55%
Operating Profit Margin
6.31%-21.59%-55.13%-10.26%10.86%
Pretax Profit Margin
6.31%-21.59%-55.13%-10.26%10.86%
Net Profit Margin
4.66%-14.75%-39.11%-10.60%8.20%
Continuous Operations Profit Margin
4.66%-14.75%-39.11%-10.60%8.20%
Net Income Per EBT
73.83%68.31%70.94%103.26%75.51%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.96%-2.44%-5.27%-2.15%1.61%
Return on Equity (ROE)
8.27%-22.24%-44.50%-14.20%7.85%
Return on Capital Employed (ROCE)
1.31%-3.60%-8.23%-2.32%2.51%
Return on Invested Capital (ROIC)
0.97%-2.46%-5.33%-2.11%1.64%
Return on Tangible Assets
0.98%-2.51%-5.46%-2.24%1.75%
Earnings Yield
12.24%-50.25%-124.81%-42.98%8.31%
Efficiency Ratios
Receivables Turnover
78.17 63.56 52.39 65.96 16.88
Payables Turnover
13.34 13.52 13.09 5.14 4.10
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
56.57 41.83 16.38 17.91 11.97
Asset Turnover
0.21 0.17 0.13 0.20 0.20
Working Capital Turnover Ratio
7.35 -6.55 -2.09 -3.06 -3.36
Cash Conversion Cycle
-22.70 -21.26 -20.91 -65.53 -67.35
Days of Sales Outstanding
4.67 5.74 6.97 5.53 21.62
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
27.37 27.00 27.88 71.06 88.97
Operating Cycle
4.67 5.74 6.97 5.53 21.62
Cash Flow Ratios
Operating Cash Flow Per Share
8.48 9.75 10.65 7.55 5.80
Free Cash Flow Per Share
8.22 9.28 9.80 6.06 4.86
CapEx Per Share
0.26 0.48 0.85 1.49 0.94
Free Cash Flow to Operating Cash Flow
0.97 0.95 0.92 0.80 0.84
Dividend Paid and CapEx Coverage Ratio
32.52 20.51 12.56 5.07 6.17
Capital Expenditure Coverage Ratio
32.52 20.51 12.56 5.07 6.17
Operating Cash Flow Coverage Ratio
0.14 0.14 0.12 0.08 0.06
Operating Cash Flow to Sales Ratio
0.60 0.74 0.85 0.34 0.28
Free Cash Flow Yield
162.57%239.07%250.72%110.01%23.99%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.17 -1.99 -0.80 -2.33 12.04
Price-to-Sales (P/S) Ratio
0.36 0.29 0.31 0.25 0.99
Price-to-Book (P/B) Ratio
0.65 0.44 0.36 0.33 0.95
Price-to-Free Cash Flow (P/FCF) Ratio
0.62 0.42 0.40 0.91 4.17
Price-to-Operating Cash Flow Ratio
0.63 0.40 0.37 0.73 3.49
Price-to-Earnings Growth (PEG) Ratio
0.02 0.03 >-0.01 <0.01 -0.06
Price-to-Fair Value
0.65 0.44 0.36 0.33 0.95
Enterprise Value Multiple
33.89 -45.60 -16.51 -121.27 33.83
Enterprise Value
2.88B 2.92B 3.28B 3.37B 3.04B
EV to EBITDA
33.89 -45.60 -16.51 -121.27 33.83
EV to Sales
4.38 5.47 7.13 4.59 5.26
EV to Free Cash Flow
7.49 7.80 9.08 16.91 22.20
EV to Operating Cash Flow
7.26 7.42 8.35 13.58 18.61
Tangible Book Value Per Share
6.62 6.62 7.86 12.42 13.08
Shareholders’ Equity Per Share
8.22 8.77 10.97 16.68 21.42
Tax and Other Ratios
Effective Tax Rate
0.26 0.32 0.29 -0.03 0.24
Revenue Per Share
14.05 13.22 12.48 22.35 20.51
Net Income Per Share
0.65 -1.95 -4.88 -2.37 1.68
Tax Burden
0.74 0.68 0.71 1.03 0.76
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.17 0.26 0.42 0.29 0.27
Stock-Based Compensation to Revenue
0.02 0.02 0.04 0.04 0.03
Income Quality
12.95 -5.00 -2.18 -3.19 3.45
Currency in USD