OPORTUN FINANCIAL CORP (OPRT) Fundamental Analysis & Valuation

NASDAQ:OPRT • US68376D1046

5.31 USD
-0.15 (-2.75%)
At close: Mar 4, 2026
5.31 USD
0 (0%)
After Hours: 3/4/2026, 4:04:13 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This OPRT fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to OPRT. OPRT was compared to 54 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!


Dividend Valuation Growth Profitability Health

1

1. OPRT Profitability Analysis

1.1 Basic Checks

  • In the past year OPRT was profitable.
  • OPRT had a positive operating cash flow in the past year.
  • In the past 5 years OPRT reported 4 times negative net income.
  • Of the past 5 years OPRT 4 years had a positive operating cash flow.
OPRT Yearly Net Income VS EBIT VS OCF VS FCFOPRT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M

1.2 Ratios

  • OPRT has a worse Return On Assets (0.96%) than 70.37% of its industry peers.
  • OPRT's Return On Equity of 7.97% is on the low side compared to the rest of the industry. OPRT is outperformed by 68.52% of its industry peers.
  • OPRT has a worse Return On Invested Capital (1.05%) than 61.11% of its industry peers.
Industry RankSector 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
OPRT Yearly ROA, ROE, ROICOPRT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

  • Looking at the Profit Margin, with a value of 7.48%, OPRT is doing worse than 64.81% of the companies in the same industry.
  • OPRT's Operating Margin of 10.13% is in line compared to the rest of the industry. OPRT outperforms 48.15% of its industry peers.
Industry RankSector 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
OPRT Yearly Profit, Operating, Gross MarginsOPRT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. OPRT Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so OPRT is destroying value.
  • OPRT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
OPRT Yearly Shares OutstandingOPRT Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
OPRT Yearly Total Debt VS Total AssetsOPRT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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 has a worse Altman-Z score (0.14) than 61.11% of its industry peers.
  • The Debt to FCF ratio of OPRT is 7.36, which is on the high side as it means it would take OPRT, 7.36 years of fcf income to pay off 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 64.81% of the companies in the same industry.
  • OPRT has a Debt/Equity ratio of 7.11. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 7.11, OPRT is doing worse than 75.93% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 7.11
Debt/FCF 7.36
Altman-Z 0.14
ROIC/WACC0.16
WACC6.68%
OPRT Yearly LT Debt VS Equity VS FCFOPRT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

  • A Current Ratio of 1.72 indicates that OPRT should not have too much problems paying its short term obligations.
  • OPRT has a better Current ratio (1.72) than 66.67% of its industry peers.
  • 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.
  • OPRT has a better Quick ratio (1.72) than 66.67% of its industry peers.
Industry RankSector Rank
Current Ratio 1.72
Quick Ratio 1.72
OPRT Yearly Current Assets VS Current LiabilitesOPRT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. OPRT Growth Analysis

3.1 Past

  • OPRT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 101.47%, which is quite impressive.
  • The earnings per share for OPRT have been decreasing by -12.99% on average. This is quite bad
EPS 1Y (TTM)101.47%
EPS 3Y-12.99%
EPS 5YN/A
EPS Q2Q%-44.9%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.28%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.50% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 3.92% on average over the next years.
EPS Next Y15.14%
EPS Next 2Y19.31%
EPS Next 3Y20.5%
EPS Next 5YN/A
Revenue Next Year-0.84%
Revenue Next 2Y2.29%
Revenue Next 3Y3.92%
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.
OPRT Yearly Revenue VS EstimatesOPRT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M 1B
OPRT Yearly EPS VS EstimatesOPRT Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 2 -2

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Find the best growth stocksShow best growing peers

8

4. OPRT Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 3.88, the valuation of OPRT can be described as very cheap.
  • 85.19% of the companies in the same industry are more expensive than OPRT, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 26.83, OPRT is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 3.37, the valuation of OPRT can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, OPRT is valued cheaply inside the industry as 90.74% of the companies are valued more expensively.
  • OPRT is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.95, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.88
Fwd PE 3.37
OPRT Price Earnings VS Forward Price EarningsOPRT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • OPRT's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Based on the Price/Free Cash Flow ratio, OPRT is valued cheaper than 98.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.64
EV/EBITDA 33.81
OPRT Per share dataOPRT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

4.3 Compensation for Growth

  • OPRT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • OPRT's earnings are expected to grow with 20.50% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y19.31%
EPS Next 3Y20.5%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. OPRT Dividend Analysis

5.1 Amount

  • OPRT does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

OPRT Fundamentals: All Metrics, Ratios and Statistics

OPORTUN FINANCIAL CORP

NASDAQ:OPRT (3/4/2026, 4:04:13 PM)

After market: 5.31 0 (0%)

5.31

-0.15 (-2.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners86.26%
Inst Owner Change6.92%
Ins Owners3.06%
Ins Owner Change4.01%
Market Cap236.29M
Revenue(TTM)N/A
Net Income(TTM)30.58M
Analysts83.08
Price Target8.33 (56.87%)
Short Float %3.8%
Short Ratio3.03
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-6.28%
PT rev (3m)-7.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.11%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)4.69%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.19%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 3.88
Fwd PE 3.37
P/S 0.58
P/FCF 0.64
P/OCF 0.6
P/B 0.62
P/tB 0.76
EV/EBITDA 33.81
EPS(TTM)1.37
EY25.8%
EPS(NY)1.58
Fwd EY29.71%
FCF(TTM)8.34
FCFY156.99%
OCF(TTM)8.9
OCFY167.58%
SpS9.19
BVpS8.63
TBVpS6.94
PEG (NY)0.26
PEG (5Y)N/A
Graham Number16.31
Profitability
Industry RankSector 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 RankSector 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
WACC6.68%
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)101.47%
EPS 3Y-12.99%
EPS 5YN/A
EPS Q2Q%-44.9%
EPS Next Y15.14%
EPS Next 2Y19.31%
EPS Next 3Y20.5%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.28%
Revenue Next Year-0.84%
Revenue Next 2Y2.29%
Revenue Next 3Y3.92%
Revenue Next 5YN/A
EBIT growth 1Y123.49%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year279.75%
EBIT Next 3Y64.16%
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 3 / 10 to OPRT.


Can you provide the valuation status for OPORTUN FINANCIAL CORP?

ChartMill assigns a valuation rating of 8 / 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 1 / 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 3.88 and the Price/Book (PB) ratio is 0.62.


Can you provide the financial health for OPRT stock?

The financial health rating of OPORTUN FINANCIAL CORP (OPRT) is 3 / 10.