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Oportun Financial Corp (OPRT)
NASDAQ:OPRT
Total Valuation
Oportun Financial has a market cap or net worth of $228.15M. The enterprise value is $2.82B.
Market Cap$228.15M
Enterprise Value$2.82B
Share Statistics
Oportun Financial has 44,129,020 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding44,129,020
Owned by Insiders10.30%
Owned by Institutions27.87%
Financial Efficiency
Oportun Financial’s return on equity (ROE) is -0.22 and return on invested capital (ROIC) is -62.31%.
Return on Equity (ROE)-0.22
Return on Assets (ROA)-0.02
Return on Invested Capital (ROIC)-62.31%
Return on Capital Employed (ROCE)-0.04
Revenue Per Employee230.69K
Profits Per Employee-34.03K
Employee Count2,312
Asset Turnover0.31
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Oportun Financial is 7.8. Oportun Financial’s PEG ratio is 0.03.
PE Ratio7.8
PS Ratio0.16
PB Ratio0.44
Price to Fair Value0.44
Price to FCF0.42
Price to Operating Cash Flow0.55
PEG Ratio0.03
Income Statement
In the last 12 months, Oportun Financial had revenue of 533.36M and earned -78.68M in profits. Earnings per share was -1.95.
Revenue533.36M
Gross Profit295.20M
Operating Income-115.18M
Pretax Income-115.18M
Net Income-78.68M
EBITDA-64.02M
Earnings Per Share (EPS)-1.95
Cash Flow
In the last 12 months, operating cash flow was 395.99M and capital expenditures -12.18M, giving a free cash flow of 383.82M billion.
Operating Cash Flow395.99M
Free Cash Flow383.82M
Free Cash Flow per Share8.70
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
Beta1.59
52-Week Price Change36.17%
50-Day Moving Average5.38
200-Day Moving Average6.05
Relative Strength Index (RSI)52.46
Average Volume (3m)460.28K
Important Dates
Oportun Financial upcoming earnings date is Feb 12, 2026, After Close (Confirmed).
Last Earnings DateNov 4, 2025
Next Earnings DateFeb 12, 2026
Ex-Dividend Date―
Financial Position
Oportun Financial as a current ratio of 2.00, with Debt / Equity ratio of 3.46%
Current Ratio2.00
Quick Ratio2.00
Debt to Market Cap17.91
Net Debt to EBITDA-43.15
Interest Coverage Ratio-0.48
Taxes
In the past 12 months, Oportun Financial has paid -36.49M in taxes.
Income Tax-36.49M
Effective Tax Rate0.32
Enterprise Valuation
Oportun Financial EV to EBITDA ratio is -45.60, with an EV/FCF ratio of 7.80.
EV to Sales2.91
EV to EBITDA-45.60
EV to Free Cash Flow7.80
EV to Operating Cash Flow7.42
Balance Sheet
Oportun Financial has $104.61M in cash and marketable securities with $2.74B in debt, giving a net cash position of -$2.64B billion.
Cash & Marketable Securities$104.61M
Total Debt$2.74B
Net Cash-$2.64B
Net Cash Per Share-$59.81
Tangible Book Value Per Share$6.62
Margins
Gross margin is 37.70%, with operating margin of -11.50%, and net profit margin of -7.85%.
Gross Margin37.70%
Operating Margin-11.50%
Pretax Margin-11.50%
Net Profit Margin-7.85%
EBITDA Margin-6.39%
EBIT Margin-11.50%
Analyst Forecast
The average price target for Oportun Financial is $8.67, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$8.67
Price Target Upside67.70% Upside
Analyst ConsensusModerate Buy
Analyst Count3
Revenue Growth Forecast-5.29%
EPS Growth Forecast―