OPORTUN FINANCIAL CORP (OPRT)
US68376D1046 - Common Stock
OPRT gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 51 industry peers in the Consumer Finance industry. OPRT has a bad profitability rating. Also its financial health evaluation is rather negative. OPRT is valued expensive and it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year OPRT has reported negative net income.
In the past year OPRT had a positive cash flow from operations.
In multiple years OPRT reported negative net income over the last 5 years.
OPRT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
OPRT has a worse Return On Assets (-5.27%) than 76.47% of its industry peers.
Looking at the Return On Equity, with a value of -44.49%, OPRT is doing worse than 82.35% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.27% | ||
| ROE | -44.49% | ||
| ROIC | N/A |
ROA(3y)-1.94%
ROA(5y)-1.57%
ROE(3y)-16.95%
ROE(5y)-11.93%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin and Operating Margin and Gross Margin are not available for OPRT so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| 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 does not have a ROIC to compare to the WACC, probably because it is not profitable.
OPRT has more shares outstanding than it did 1 year ago.
OPRT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for OPRT is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.21, we must say that OPRT is in the distress zone and has some risk of bankruptcy.
OPRT has a worse Altman-Z score (-0.21) than 66.67% of its industry peers.
The Debt to FCF ratio of OPRT is 8.08, which is on the high side as it means it would take OPRT, 8.08 years of fcf income to pay off all of its debts.
OPRT has a Debt to FCF ratio (8.08) which is in line with its industry peers.
OPRT has a Debt/Equity ratio of 7.20. This is a high value indicating a heavy dependency on external financing.
OPRT's Debt to Equity ratio of 7.20 is on the low side compared to the rest of the industry. OPRT is outperformed by 86.27% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.2 | ||
| Debt/FCF | 8.08 | ||
| Altman-Z | -0.21 |
ROIC/WACCN/A
WACC5.38%
2.3 Liquidity
A Current Ratio of 1.20 indicates that OPRT should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.20, OPRT is in line with its industry, outperforming 49.02% of the companies in the same industry.
OPRT has a Quick Ratio of 1.20. This is a normal value and indicates that OPRT is financially healthy and should not expect problems in meeting its short term obligations.
The Quick ratio of OPRT (1.20) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
The earnings per share for OPRT have decreased strongly by -269.71% in the last year.
Looking at the last year, OPRT shows a very negative growth in Revenue. The Revenue has decreased by -56.20% in the last year.
The Revenue has been decreasing by -9.94% on average over the past years.
EPS 1Y (TTM)-269.71%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-478.57%
Revenue 1Y (TTM)-56.2%
Revenue growth 3Y-5.74%
Revenue growth 5Y-9.94%
Revenue growth Q2Q-49.72%
3.2 Future
Based on estimates for the next years, OPRT will show a very strong growth in Earnings Per Share. The EPS will grow by 44.35% on average per year.
The Revenue is expected to grow by 0.42% on average over the next years.
EPS Next Y92.39%
EPS Next 2Y44.35%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-6.68%
Revenue Next 2Y0.42%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
OPRT reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Also next year OPRT is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
100.00% of the companies in the same industry are more expensive than OPRT, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
A more expensive valuation may be justified as OPRT's earnings are expected to grow with 44.35% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y44.35%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for OPRT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
OPORTUN FINANCIAL CORP
NASDAQ:OPRT (4/26/2024, 4:20:02 PM)
After market: 3.12 -0.03 (-0.95%)3.15
+0.05 (+1.61%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap108.86M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.27% | ||
| ROE | -44.49% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.08
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.2 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-269.71%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y92.39%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-56.2%
Revenue growth 3Y-5.74%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y