5.36 USD
+0.09 (+1.71%)
Taking everything into account, OPRT scores 4 out of 10 in our fundamental rating. OPRT was compared to 55 industry peers in the Consumer Finance industry. Both the profitability and financial health of OPRT have multiple concerns. OPRT is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year OPRT was profitable.
In the past year OPRT had a positive cash flow from operations.
In the past 5 years OPRT reported 4 times negative net income.
Each year in the past 5 years OPRT had a positive operating cash flow.
1.2 Ratios
OPRT has a Return On Assets of 0.96%. This is in the lower half of the industry: OPRT underperforms 63.64% of its industry peers.
OPRT has a Return On Equity of 7.97%. This is comparable to the rest of the industry: OPRT outperforms 41.82% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.05%, OPRT is in line with its industry, outperforming 45.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 7.97% | ||
| ROIC | 1.05% |
ROA(3y)-3.29%
ROA(5y)-2.1%
ROE(3y)-26.98%
ROE(5y)-16.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
OPRT has a Profit Margin (7.48%) which is comparable to the rest of the industry.
Looking at the Operating Margin, with a value of 10.13%, OPRT is in line with its industry, outperforming 50.91% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.13% | ||
| PM (TTM) | 7.48% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
OPRT has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for OPRT has been increased compared to 1 year ago.
The number of shares outstanding for OPRT has been increased compared to 5 years ago.
Compared to 1 year ago, OPRT has a worse debt to assets ratio.
2.2 Solvency
OPRT has an Altman-Z score of 0.14. This is a bad value and indicates that OPRT is not financially healthy and even has some risk of bankruptcy.
OPRT's Altman-Z score of 0.14 is on the low side compared to the rest of the industry. OPRT is outperformed by 63.64% of its industry peers.
OPRT has a debt to FCF ratio of 7.36. This is a slightly negative value and a sign of low solvency as OPRT would need 7.36 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 7.36, OPRT is in the better half of the industry, outperforming 65.45% of the companies in the same industry.
A Debt/Equity ratio of 7.11 is on the high side and indicates that OPRT has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 7.11, OPRT is doing worse than 78.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.11 | ||
| Debt/FCF | 7.36 | ||
| Altman-Z | 0.14 |
ROIC/WACC0.16
WACC6.65%
2.3 Liquidity
OPRT has a Current Ratio of 1.72. This is a normal value and indicates that OPRT is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 1.72, OPRT is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
OPRT has a Quick Ratio of 1.72. This is a normal value and indicates that OPRT is financially healthy and should not expect problems in meeting its short term obligations.
With a decent Quick ratio value of 1.72, OPRT is doing good in the industry, outperforming 69.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.72 | ||
| Quick Ratio | 1.72 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 567.65% over the past year.
Measured over the past years, OPRT shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -35.80% on average per year.
Looking at the last year, OPRT shows a very strong growth in Revenue. The Revenue has grown by 49.25%.
The Revenue has been decreasing by -7.77% on average over the past years.
EPS 1Y (TTM)567.65%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%1850%
Revenue 1Y (TTM)49.25%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-4.52%
3.2 Future
OPRT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.05% yearly.
The Revenue is expected to grow by 2.74% on average over the next years.
EPS Next Y93.29%
EPS Next 2Y53.74%
EPS Next 3Y36.05%
EPS Next 5YN/A
Revenue Next Year-4.87%
Revenue Next 2Y0.29%
Revenue Next 3Y2.74%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 3.37, the valuation of OPRT can be described as very cheap.
Based on the Price/Earnings ratio, OPRT is valued cheaper than 89.09% of the companies in the same industry.
OPRT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.41.
A Price/Forward Earnings ratio of 3.33 indicates a rather cheap valuation of OPRT.
Based on the Price/Forward Earnings ratio, OPRT is valued cheaper than 90.91% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.40. OPRT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.37 | ||
| Fwd PE | 3.33 |
4.2 Price Multiples
OPRT's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, OPRT is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.64 | ||
| EV/EBITDA | 33.69 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as OPRT's earnings are expected to grow with 36.05% in the coming years.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y53.74%
EPS Next 3Y36.05%
5. Dividend
5.1 Amount
No dividends for OPRT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:OPRT (12/5/2025, 10:33:08 AM)
5.36
+0.09 (+1.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners81.79%
Inst Owner Change-0.69%
Ins Owners3.55%
Ins Owner Change2.85%
Market Cap236.54M
Revenue(TTM)408.82M
Net Income(TTM)30.58M
Analysts80
Price Target8.96 (67.16%)
Short Float %4.43%
Short Ratio3.5
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)37.5%
Min EPS beat(2)32.86%
Max EPS beat(2)42.14%
EPS beat(4)4
Avg EPS beat(4)405.52%
Min EPS beat(4)32.86%
Max EPS beat(4)1008.68%
EPS beat(8)6
Avg EPS beat(8)226.17%
EPS beat(12)7
Avg EPS beat(12)131.57%
EPS beat(16)11
Avg EPS beat(16)131.29%
Revenue beat(2)0
Avg Revenue beat(2)-3.07%
Min Revenue beat(2)-4.26%
Max Revenue beat(2)-1.89%
Revenue beat(4)1
Avg Revenue beat(4)-1.49%
Min Revenue beat(4)-4.26%
Max Revenue beat(4)1.06%
Revenue beat(8)3
Avg Revenue beat(8)-0.92%
Revenue beat(12)5
Avg Revenue beat(12)-3.9%
Revenue beat(16)6
Avg Revenue beat(16)-8.28%
PT rev (1m)-7.03%
PT rev (3m)-7.03%
EPS NQ rev (1m)-9.92%
EPS NQ rev (3m)-0.94%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.62%
Revenue NQ rev (1m)0.45%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.37 | ||
| Fwd PE | 3.33 | ||
| P/S | 0.58 | ||
| P/FCF | 0.64 | ||
| P/OCF | 0.6 | ||
| P/B | 0.62 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | 33.69 |
EPS(TTM)1.59
EY29.66%
EPS(NY)1.61
Fwd EY29.99%
FCF(TTM)8.41
FCFY156.83%
OCF(TTM)8.97
OCFY167.41%
SpS9.26
BVpS8.7
TBVpS7
PEG (NY)0.04
PEG (5Y)N/A
Graham Number17.64
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.96% | ||
| ROE | 7.97% | ||
| ROCE | 1.33% | ||
| ROIC | 1.05% | ||
| ROICexc | 1.09% | ||
| ROICexgc | 1.13% | ||
| OM | 10.13% | ||
| PM (TTM) | 7.48% | ||
| GM | N/A | ||
| FCFM | 90.74% |
ROA(3y)-3.29%
ROA(5y)-2.1%
ROE(3y)-26.98%
ROE(5y)-16.55%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.13
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.11 | ||
| Debt/FCF | 7.36 | ||
| Debt/EBITDA | 32.18 | ||
| Cap/Depr | 57.65% | ||
| Cap/Sales | 6.12% | ||
| Interest Coverage | 0.21 | ||
| Cash Conversion | 466.72% | ||
| Profit Quality | 1213.07% | ||
| Current Ratio | 1.72 | ||
| Quick Ratio | 1.72 | ||
| Altman-Z | 0.14 |
F-Score8
WACC6.65%
ROIC/WACC0.16
Cap/Depr(3y)71.47%
Cap/Depr(5y)97.85%
Cap/Sales(3y)9.01%
Cap/Sales(5y)8.45%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)567.65%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%1850%
EPS Next Y93.29%
EPS Next 2Y53.74%
EPS Next 3Y36.05%
EPS Next 5YN/A
Revenue 1Y (TTM)49.25%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-4.52%
Revenue Next Year-4.87%
Revenue Next 2Y0.29%
Revenue Next 3Y2.74%
Revenue Next 5YN/A
EBIT growth 1Y123.49%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year278.28%
EBIT Next 3Y67.4%
EBIT Next 5YN/A
FCF growth 1Y11.03%
FCF growth 3Y44.18%
FCF growth 5Y14.21%
OCF growth 1Y5.57%
OCF growth 3Y34.04%
OCF growth 5Y12.5%
OPORTUN FINANCIAL CORP / OPRT FAQ
Can you provide the ChartMill fundamental rating for OPORTUN FINANCIAL CORP?
ChartMill assigns a fundamental rating of 4 / 10 to OPRT.
What is the valuation status of OPORTUN FINANCIAL CORP (OPRT) stock?
ChartMill assigns a valuation rating of 9 / 10 to OPORTUN FINANCIAL CORP (OPRT). This can be considered as Undervalued.
What is the profitability of OPRT stock?
OPORTUN FINANCIAL CORP (OPRT) has a profitability rating of 2 / 10.
What are the PE and PB ratios of OPORTUN FINANCIAL CORP (OPRT) stock?
The Price/Earnings (PE) ratio for OPORTUN FINANCIAL CORP (OPRT) is 3.37 and the Price/Book (PB) ratio is 0.62.