Oportun Financial Corp. (OPRT)
NASDAQ:OPRT
Want to see OPRT full AI Analyst Report?
Total Valuation
Oportun Financial has a market cap or net worth of $238.76M. The enterprise value is $2.75B.
Market Cap$238.76M
Enterprise Value$2.75B
Share Statistics
Oportun Financial has 45,738,544 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding45,738,544
Owned by Insiders6.65%
Owned by Institutions28.41%
Financial Efficiency
Oportun Financial’s return on equity (ROE) is 0.06 and return on invested capital (ROIC) is 13.89%.
Return on Equity (ROE)0.06
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)13.89%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee275.67K
Profits Per Employee10.90K
Employee Count2,312
Asset Turnover0.20
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Oportun Financial is 23.3. Oportun Financial’s PEG ratio is -0.08.
PE Ratio23.3
PS Ratio0.40
PB Ratio0.65
Price to Fair Value0.65
Price to FCF0.65
Price to Operating Cash Flow0.61
PEG Ratio-0.08
Income Statement
In the last 12 months, Oportun Financial had revenue of 637.34M and earned 25.25M in profits. Earnings per share was 0.53.
Revenue637.34M
Gross Profit405.84M
Operating Income44.08M
Pretax Income44.08M
Net Income25.25M
EBITDA85.49M
Earnings Per Share (EPS)0.53
Cash Flow
In the last 12 months, operating cash flow was 416.17M and capital expenditures -6.74M, giving a free cash flow of 409.39M billion.
Operating Cash Flow416.17M
Free Cash Flow409.39M
Free Cash Flow per Share8.95
Dividends & Yields
Oportun Financial pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.62
52-Week Price Change-24.13%
50-Day Moving Average5.14
200-Day Moving Average5.47
Relative Strength Index (RSI)44.60
Average Volume (3m)401.80K
Important Dates
Oportun Financial upcoming earnings date is Aug 12, 2026, After Close (Confirmed).
Last Earnings DateMay 7, 2026
Next Earnings DateAug 12, 2026
Ex-Dividend Date―
Financial Position
Oportun Financial as a current ratio of 9.17, with Debt / Equity ratio of 686.89%
Current Ratio9.17
Quick Ratio9.17
Debt to Market Cap11.08
Net Debt to EBITDA31.65
Interest Coverage Ratio0.19
Taxes
In the past 12 months, Oportun Financial has paid 18.83M in taxes.
Income Tax18.83M
Effective Tax Rate0.43
Enterprise Valuation
Oportun Financial EV to EBITDA ratio is 34.61, with an EV/FCF ratio of 7.60.
EV to Sales4.64
EV to EBITDA34.61
EV to Free Cash Flow7.60
EV to Operating Cash Flow7.16
Balance Sheet
Oportun Financial has $209.90M in cash and marketable securities with $2.72B in debt, giving a net cash position of -$2.51B billion.
Cash & Marketable Securities$209.90M
Total Debt$2.72B
Net Cash-$2.51B
Net Cash Per Share-$54.93
Tangible Book Value Per Share$6.65
Margins
Gross margin is 64.00%, with operating margin of 6.92%, and net profit margin of 3.96%.
Gross Margin64.00%
Operating Margin6.92%
Pretax Margin6.92%
Net Profit Margin3.96%
EBITDA Margin13.41%
EBIT Margin6.92%
Analyst Forecast
The average price target for Oportun Financial is $7.00, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$7.00
Price Target Upside19.05% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast-3.81%
EPS Growth Forecast―