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OPORTUN FINANCIAL CORP (OPRT) Stock Fundamental Analysis

NASDAQ:OPRT - Nasdaq - US68376D1046 - Common Stock - Currency: USD

6.09  -0.16 (-2.56%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to OPRT. OPRT was compared to 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of OPRT have multiple concerns. A decent growth rate in combination with a cheap valuation! Better keep an eye on OPRT.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

OPRT had positive earnings in the past year.
OPRT had a positive operating cash flow in the past year.
OPRT had negative earnings in 4 of the past 5 years.
Each year in the past 5 years OPRT 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 (-0.14%) than 75.47% of its industry peers.
OPRT's Return On Equity of -1.22% is on the low side compared to the rest of the industry. OPRT is outperformed by 77.36% of its industry peers.
Industry RankSector Rank
ROA -0.14%
ROE -1.22%
ROIC N/A
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

The Profit Margin and Operating Margin and Gross Margin are not available for OPRT so they could not be analyzed.
Industry RankSector 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
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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2

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.
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.
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

Based on the Altman-Z score of 0.07, we must say that OPRT is in the distress zone and has some risk of bankruptcy.
OPRT has a Altman-Z score of 0.07. This is in the lower half of the industry: OPRT underperforms 67.92% of its industry peers.
OPRT has a debt to FCF ratio of 7.20. This is a slightly negative value and a sign of low solvency as OPRT would need 7.20 years to pay back of all of its debts.
OPRT's Debt to FCF ratio of 7.20 is in line compared to the rest of the industry. OPRT outperforms 54.72% of its industry peers.
OPRT has a Debt/Equity ratio of 7.31. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of OPRT (7.31) is worse than 83.02% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.31
Debt/FCF 7.2
Altman-Z 0.07
ROIC/WACCN/A
WACC6.79%
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 1.58 indicates that OPRT should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.58, OPRT is doing good in the industry, outperforming 62.26% of the companies in the same industry.
A Quick Ratio of 1.58 indicates that OPRT should not have too much problems paying its short term obligations.
OPRT's Quick ratio of 1.58 is fine compared to the rest of the industry. OPRT outperforms 62.26% of its industry peers.
Industry RankSector Rank
Current Ratio 1.58
Quick Ratio 1.58
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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5

3. Growth

3.1 Past

OPRT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 248.78%, which is quite impressive.
OPRT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.80% yearly.
Looking at the last year, OPRT shows a very strong growth in Revenue. The Revenue has grown by 23.61%.
Measured over the past years, OPRT shows a decrease in Revenue. The Revenue has been decreasing by -7.77% on average per year.
EPS 1Y (TTM)248.78%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%287.5%
Revenue 1Y (TTM)23.61%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-6.39%

3.2 Future

OPRT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 42.15% yearly.
OPRT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.86% yearly.
EPS Next Y81.31%
EPS Next 2Y57.02%
EPS Next 3Y42.15%
EPS Next 5YN/A
Revenue Next Year-3.88%
Revenue Next 2Y1.22%
Revenue Next 3Y2.86%
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue 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 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 0 2 -2

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8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 4.99, the valuation of OPRT can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of OPRT indicates a rather cheap valuation: OPRT is cheaper than 88.68% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.11. OPRT is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 3.63, which indicates a rather cheap valuation of OPRT.
OPRT's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPRT is cheaper than 92.45% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of OPRT to the average of the S&P500 Index (35.78), we can say OPRT is valued rather cheaply.
Industry RankSector Rank
PE 4.99
Fwd PE 3.63
OPRT Price Earnings VS Forward Price EarningsOPRT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

OPRT's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. OPRT is more expensive than 60.38% of the companies in the same industry.
OPRT's Price/Free Cash Flow ratio is rather cheap when compared to the industry. OPRT is cheaper than 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.7
EV/EBITDA 84.93
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 42.15% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y57.02%
EPS Next 3Y42.15%

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0

5. Dividend

5.1 Amount

No dividends for OPRT!.
Industry RankSector Rank
Dividend Yield N/A

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OPORTUN FINANCIAL CORP

NASDAQ:OPRT (8/14/2025, 11:27:40 AM)

6.09

-0.16 (-2.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-10 2025-11-10/amc
Inst Owners73.6%
Inst Owner Change2.38%
Ins Owners3.46%
Ins Owner Change6.26%
Market Cap267.17M
Analysts81.54
Price Target9.86 (61.9%)
Short Float %4.62%
Short Ratio3.25
Dividend
Industry RankSector 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)285.62%
Min EPS beat(2)32.86%
Max EPS beat(2)538.38%
EPS beat(4)3
Avg EPS beat(4)382.24%
Min EPS beat(4)-50.98%
Max EPS beat(4)1008.68%
EPS beat(8)5
Avg EPS beat(8)190.21%
EPS beat(12)7
Avg EPS beat(12)154.86%
EPS beat(16)11
Avg EPS beat(16)133.25%
Revenue beat(2)1
Avg Revenue beat(2)-1.6%
Min Revenue beat(2)-4.26%
Max Revenue beat(2)1.06%
Revenue beat(4)1
Avg Revenue beat(4)-1.46%
Min Revenue beat(4)-4.26%
Max Revenue beat(4)1.06%
Revenue beat(8)3
Avg Revenue beat(8)-0.71%
Revenue beat(12)5
Avg Revenue beat(12)-7.12%
Revenue beat(16)6
Avg Revenue beat(16)-8.85%
PT rev (1m)2.84%
PT rev (3m)4.5%
EPS NQ rev (1m)2.23%
EPS NQ rev (3m)-15.28%
EPS NY rev (1m)0%
EPS NY rev (3m)2.19%
Revenue NQ rev (1m)-0.04%
Revenue NQ rev (3m)1.78%
Revenue NY rev (1m)-0.26%
Revenue NY rev (3m)-0.36%
Valuation
Industry RankSector Rank
PE 4.99
Fwd PE 3.63
P/S 0.73
P/FCF 0.7
P/OCF 0.66
P/B 0.71
P/tB 0.9
EV/EBITDA 84.93
EPS(TTM)1.22
EY20.03%
EPS(NY)1.68
Fwd EY27.53%
FCF(TTM)8.7
FCFY142.86%
OCF(TTM)9.24
OCFY151.75%
SpS8.35
BVpS8.57
TBVpS6.79
PEG (NY)0.06
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.14%
ROE -1.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 104.17%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.11
Health
Industry RankSector Rank
Debt/Equity 7.31
Debt/FCF 7.2
Debt/EBITDA 79.78
Cap/Depr 50.83%
Cap/Sales 6.48%
Interest Coverage N/A
Cash Conversion 1176.83%
Profit Quality N/A
Current Ratio 1.58
Quick Ratio 1.58
Altman-Z 0.07
F-Score7
WACC6.79%
ROIC/WACCN/A
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)248.78%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%287.5%
EPS Next Y81.31%
EPS Next 2Y57.02%
EPS Next 3Y42.15%
EPS Next 5YN/A
Revenue 1Y (TTM)23.61%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-6.39%
Revenue Next Year-3.88%
Revenue Next 2Y1.22%
Revenue Next 3Y2.86%
Revenue Next 5YN/A
EBIT growth 1Y92.95%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year276.22%
EBIT Next 3Y67.4%
EBIT Next 5YN/A
FCF growth 1Y33.08%
FCF growth 3Y44.18%
FCF growth 5Y14.21%
OCF growth 1Y20.77%
OCF growth 3Y34.04%
OCF growth 5Y12.5%