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OPORTUN FINANCIAL CORP (OPRT) Stock Fundamental Analysis

NASDAQ:OPRT - US68376D1046 - Common Stock

6.44 USD
-0.22 (-3.3%)
Last: 9/10/2025, 4:30:02 PM
6.44 USD
0 (0%)
After Hours: 9/10/2025, 4:30:02 PM
Fundamental Rating

3

Taking everything into account, OPRT scores 3 out of 10 in our fundamental rating. OPRT was compared to 54 industry peers in the Consumer Finance industry. OPRT may be in some trouble as it scores bad on both profitability and health. OPRT may be a bit undervalued, certainly considering the very reasonable score on growth


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.
OPRT had a positive operating cash flow in each of the past 5 years.
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 Return On Assets of -0.14%. This is in the lower half of the industry: OPRT underperforms 77.78% of its industry peers.
OPRT has a worse Return On Equity (-1.22%) than 79.63% 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.
Compared to 5 years ago, OPRT has more shares outstanding
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

OPRT has an Altman-Z score of 0.08. 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 (0.08) than 66.67% of its industry peers.
The Debt to FCF ratio of OPRT is 7.20, which is on the high side as it means it would take OPRT, 7.20 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of OPRT (7.20) is comparable to the rest of the industry.
OPRT has a Debt/Equity ratio of 7.31. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 7.31, OPRT is doing worse than 83.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 7.31
Debt/FCF 7.2
Altman-Z 0.08
ROIC/WACCN/A
WACC6.8%
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

OPRT has a Current Ratio of 1.58. This is a normal value and indicates that OPRT is financially healthy and should not expect problems in meeting its short term obligations.
OPRT's Current ratio of 1.58 is fine compared to the rest of the industry. OPRT outperforms 70.37% of its industry peers.
OPRT has a Quick Ratio of 1.58. 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 (1.58) than 70.37% 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

The Earnings Per Share has grown by an impressive 248.78% 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 23.61%.
The Revenue has been decreasing by -7.77% on average over the past years.
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

The Earnings Per Share is expected to grow by 36.77% on average over the next years. This is a very strong growth
OPRT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.74% yearly.
EPS Next Y94.5%
EPS Next 2Y53.57%
EPS Next 3Y36.77%
EPS Next 5YN/A
Revenue Next Year-4.47%
Revenue Next 2Y0.29%
Revenue Next 3Y2.74%
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.
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.
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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9

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.28, 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 83.33% of the companies listed in the same industry.
OPRT is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 4.02, the valuation of OPRT can be described as very cheap.
Based on the Price/Forward Earnings ratio, OPRT is valued cheaper than 88.89% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.54. OPRT is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.28
Fwd PE 4.02
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 cheaply inside the industry as 94.44% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.74
EV/EBITDA 85.48
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 36.77% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y53.57%
EPS Next 3Y36.77%

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0

5. Dividend

5.1 Amount

OPRT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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OPORTUN FINANCIAL CORP

NASDAQ:OPRT (9/10/2025, 4:30:02 PM)

After market: 6.44 0 (0%)

6.44

-0.22 (-3.3%)

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 Change25.09%
Ins Owners3.46%
Ins Owner Change6.59%
Market Cap283.42M
Analysts81.54
Price Target9.64 (49.69%)
Short Float %4.85%
Short Ratio2.84
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)-2.24%
PT rev (3m)0.53%
EPS NQ rev (1m)-6.53%
EPS NQ rev (3m)-28.3%
EPS NY rev (1m)7.27%
EPS NY rev (3m)6.66%
Revenue NQ rev (1m)-0.54%
Revenue NQ rev (3m)-1.3%
Revenue NY rev (1m)-0.61%
Revenue NY rev (3m)-0.81%
Valuation
Industry RankSector Rank
PE 5.28
Fwd PE 4.02
P/S 0.77
P/FCF 0.74
P/OCF 0.7
P/B 0.75
P/tB 0.95
EV/EBITDA 85.48
EPS(TTM)1.22
EY18.94%
EPS(NY)1.6
Fwd EY24.9%
FCF(TTM)8.67
FCFY134.66%
OCF(TTM)9.21
OCFY143.04%
SpS8.33
BVpS8.54
TBVpS6.76
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 0.08
F-Score7
WACC6.8%
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 Y94.5%
EPS Next 2Y53.57%
EPS Next 3Y36.77%
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-4.47%
Revenue Next 2Y0.29%
Revenue Next 3Y2.74%
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%