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STOCKS

Oportun Financial Corp (OPRT)

NASDAQ:OPRT

OPRT

Oportun Financial

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Oportun Financial (OPRT) Ratios

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202 Followers

Oportun Financial Ratios

OPRT's free cash flow for Q4 2025 was $0.61. For the 2025 fiscal year, OPRT's free cash flow was decreased by $ and operating cash flow was $0.04. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	9.17	9.17	2.66	0.35	0.37
Quick Ratio	9.17	9.17	2.66	0.35	0.37
Cash Ratio	9.17	9.17	2.00	0.28	0.27
Solvency Ratio	0.02	0.02	>-0.01	-0.04	>-0.01
Operating Cash Flow Ratio	35.95	35.95	13.09	1.20	0.68
Short-Term Operating Cash Flow Coverage	35.95	61.86	0.00	1.35	0.78
Net Current Asset Value	$ -2.76B	$ -2.76B	$ -2.79B	$ -2.89B	$ -2.93B
Leverage Ratios
Debt-to-Assets Ratio	0.86	0.86	0.87	0.95	0.91
Debt-to-Equity Ratio	7.21	7.21	7.98	7.98	6.00
Debt-to-Capital Ratio	0.88	0.88	0.89	0.89	0.86
Long-Term Debt-to-Capital Ratio	0.88	0.88	0.89	0.88	0.84
Financial Leverage Ratio	8.35	8.35	9.12	8.44	6.60
Debt Service Coverage Ratio	0.27	0.28	-0.12	-0.27	-0.07
Interest Coverage Ratio	0.19	0.19	-0.48	-1.41	-0.81
Debt to Market Cap	14.83	11.08	17.91	22.19	17.94
Interest Debt Per Share	63.15	63.57	75.84	92.42	102.87
Net Debt to EBITDA	31.65	31.65	-43.15	-15.78	-114.76
Profitability Margins
Gross Profit Margin	63.68%	63.68%	55.35%	61.00%	87.32%
EBIT Margin	6.92%	6.92%	-21.59%	-55.13%	-10.26%
EBITDA Margin	13.41%	13.41%	-12.00%	-43.20%	-3.78%
Operating Profit Margin	6.92%	6.92%	-21.59%	-55.13%	-10.26%
Pretax Profit Margin	6.92%	6.92%	-21.59%	-55.13%	-10.26%
Net Profit Margin	3.96%	3.95%	-14.75%	-39.11%	-10.60%
Continuous Operations Profit Margin	3.96%	3.95%	-14.75%	-39.11%	-10.60%
Net Income Per EBT	57.27%	57.14%	68.31%	70.94%	103.26%
EBT Per EBIT	100.00%	100.05%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.77%	0.77%	-2.44%	-5.27%	-2.15%
Return on Equity (ROE)	6.66%	6.46%	-22.24%	-44.50%	-14.20%
Return on Capital Employed (ROCE)	1.36%	1.36%	-3.60%	-8.23%	-2.32%
Return on Invested Capital (ROIC)	13.51%	13.91%	-2.46%	-5.33%	-2.11%
Return on Tangible Assets	0.79%	0.79%	-2.51%	-5.46%	-2.24%
Earnings Yield	12.30%	9.95%	-50.25%	-124.81%	-42.98%
Efficiency Ratios
Receivables Turnover	0.00	0.00	63.56	52.39	65.96
Payables Turnover	13.28	13.28	13.52	13.09	5.14
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	67.80	67.80	41.83	16.38	17.91
Asset Turnover	0.20	0.20	0.17	0.13	0.20
Working Capital Turnover Ratio	6.80	8.86	-6.55	-2.09	-3.06
Cash Conversion Cycle	-27.49	-27.49	-21.26	-20.91	-65.53
Days of Sales Outstanding	0.00	0.00	5.74	6.97	5.53
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	27.49	27.49	27.00	27.88	71.06
Operating Cycle	0.00	0.00	5.74	6.97	5.53
Cash Flow Ratios
Operating Cash Flow Per Share	8.58	8.64	9.75	10.65	7.55
Free Cash Flow Per Share	8.33	8.13	9.28	9.80	6.06
CapEx Per Share	0.26	0.51	0.48	0.85	1.49
Free Cash Flow to Operating Cash Flow	0.97	0.94	0.95	0.92	0.80
Dividend Paid and CapEx Coverage Ratio	33.56	16.99	20.51	12.56	5.07
Capital Expenditure Coverage Ratio	33.56	16.99	20.51	12.56	5.07
Operating Cash Flow Coverage Ratio	0.15	0.15	0.14	0.12	0.08
Operating Cash Flow to Sales Ratio	0.65	0.65	0.74	0.85	0.34
Free Cash Flow Yield	211.58%	153.68%	239.07%	250.72%	110.01%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.13	10.05	-1.99	-0.80	-2.33
Price-to-Sales (P/S) Ratio	0.30	0.40	0.29	0.31	0.25
Price-to-Book (P/B) Ratio	0.53	0.65	0.44	0.36	0.33
Price-to-Free Cash Flow (P/FCF) Ratio	0.47	0.65	0.42	0.40	0.91
Price-to-Operating Cash Flow Ratio	0.50	0.61	0.40	0.37	0.73
Price-to-Earnings Growth (PEG) Ratio	-0.42	-0.08	0.03	>-0.01	<0.01
Price-to-Fair Value	0.53	0.65	0.44	0.36	0.33
Enterprise Value Multiple	33.86	34.61	-45.60	-16.51	-121.27
Enterprise Value	2.90B	2.96B	2.92B	3.28B	3.37B
EV to EBITDA	33.86	34.61	-45.60	-16.51	-121.27
EV to Sales	4.54	4.64	5.47	7.13	4.59
EV to Free Cash Flow	7.22	7.60	7.80	9.08	16.91
EV to Operating Cash Flow	7.00	7.16	7.42	8.35	13.58
Tangible Book Value Per Share	6.61	6.65	6.62	7.86	12.42
Shareholders’ Equity Per Share	8.10	8.15	8.77	10.97	16.68
Tax and Other Ratios
Effective Tax Rate	0.43	0.43	0.32	0.29	-0.03
Revenue Per Share	13.23	13.32	13.22	12.48	22.35
Net Income Per Share	0.52	0.53	-1.95	-4.88	-2.37
Tax Burden	0.57	0.57	0.68	0.71	1.03
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	0.11	0.11	0.26	0.42	0.29
Stock-Based Compensation to Revenue	0.01	0.00	0.02	0.04	0.04
Income Quality	16.38	16.40	-5.00	-2.18	-3.19

Currency in USD