OPORTUN FINANCIAL CORP (OPRT) Fundamental Analysis & Valuation

NASDAQ:OPRT • US68376D1046

Current stock price

4.91 USD
+0.07 (+1.45%)
At close:
4.91 USD
0 (0%)
After Hours:

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

3

1. OPRT Profitability Analysis

1.1 Basic Checks

  • OPRT had positive earnings in the past year.
  • OPRT had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: OPRT reported negative net income in multiple 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 2025 0 200M -200M 400M

1.2 Ratios

  • OPRT has a worse Return On Assets (0.77%) than 74.07% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.47%, OPRT is doing worse than 72.22% of the companies in the same industry.
  • OPRT's Return On Invested Capital of 1.09% is in line compared to the rest of the industry. OPRT outperforms 40.74% of its industry peers.
Industry RankSector Rank
ROA 0.77%
ROE 6.47%
ROIC 1.09%
ROA(3y)-2.31%
ROA(5y)-1.5%
ROE(3y)-20.09%
ROE(5y)-13.32%
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 2025 0 -10 -20 -30 -40

1.3 Margins

  • With a Profit Margin value of 6.22%, OPRT is not doing good in the industry: 68.52% of the companies in the same industry are doing better.
  • With a Operating Margin value of 10.86%, OPRT perfoms like the industry average, outperforming 50.00% of the companies in the same industry.
  • OPRT's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 10.86%
PM (TTM) 6.22%
GM N/A
OM growth 3Y27.97%
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 2025 0 50 -50 100

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. OPRT Health Analysis

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 an improved debt to assets ratio.
OPRT Yearly Shares OutstandingOPRT Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M
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 2025 1B 2B 3B

2.2 Solvency

  • Based on the Altman-Z score of 0.14, we must say that OPRT is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of 0.14, OPRT is not doing good in the industry: 61.11% of the companies in the same industry are doing better.
  • OPRT has a debt to FCF ratio of 7.21. This is a slightly negative value and a sign of low solvency as OPRT would need 7.21 years to pay back of all of its debts.
  • OPRT has a better Debt to FCF ratio (7.21) than 64.81% of its industry peers.
  • OPRT has a Debt/Equity ratio of 7.18. This is a high value indicating a heavy dependency on external financing.
  • OPRT has a worse Debt to Equity ratio (7.18) than 79.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.18
Debt/FCF 7.21
Altman-Z 0.14
ROIC/WACC0.17
WACC6.24%
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 2025 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

  • A Current Ratio of 1.85 indicates that OPRT should not have too much problems paying its short term obligations.
  • OPRT's Current ratio of 1.85 is fine compared to the rest of the industry. OPRT outperforms 64.81% of its industry peers.
  • A Quick Ratio of 1.85 indicates that OPRT should not have too much problems paying its short term obligations.
  • OPRT's Quick ratio of 1.85 is fine compared to the rest of the industry. OPRT outperforms 64.81% of its industry peers.
Industry RankSector Rank
Current Ratio 1.85
Quick Ratio 1.85
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 2025 50M 100M 150M

More info and screens

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

6

3. OPRT Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 101.47% 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 -12.99% on average per year.
  • Looking at the last year, OPRT shows a very strong growth in Revenue. The Revenue has grown by 37.48%.
  • Measured over the past years, OPRT shows a small growth in Revenue. The Revenue has been growing by 3.90% on average per year.
EPS 1Y (TTM)101.47%
EPS 3Y-12.99%
EPS 5YN/A
EPS Q2Q%-44.9%
Revenue 1Y (TTM)37.48%
Revenue growth 3Y-14.12%
Revenue growth 5Y3.9%
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
  • Based on estimates for the next years, OPRT will show a small growth in Revenue. The Revenue will grow by 3.92% on average per year.
EPS Next Y15.14%
EPS Next 2Y19.31%
EPS Next 3Y20.5%
EPS Next 5YN/A
Revenue Next Year-0.84%
Revenue Next 2Y1.78%
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.
  • The Revenue growth rate is stable: in the next years the growth will be about the same 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

More info and screens

Find the best growth stocksShow best growing peers

8

4. OPRT Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 3.58, which indicates a rather cheap valuation of OPRT.
  • Based on the Price/Earnings ratio, OPRT is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
  • The average S&P500 Price/Earnings ratio is at 26.78. OPRT is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 3.11, the valuation of OPRT can be described as very cheap.
  • 92.59% of the companies in the same industry are more expensive than OPRT, based on the Price/Forward Earnings ratio.
  • OPRT is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.54, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.58
Fwd PE 3.11
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of OPRT is on the same level as its industry peers.
  • 98.15% of the companies in the same industry are more expensive than OPRT, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.56
EV/EBITDA 34.07
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)0.24
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

  • No dividends for OPRT!.
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 (4/10/2026, 8:00:02 PM)

After market: 4.91 0 (0%)

4.91

+0.07 (+1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners86.48%
Inst Owner Change-0.06%
Ins Owners3.41%
Ins Owner Change3.25%
Market Cap218.50M
Revenue(TTM)405.84M
Net Income(TTM)25.25M
Analysts83.08
Price Target9.1 (85.34%)
Short Float %3.47%
Short Ratio2.21
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)26.22%
Min EPS beat(2)10.29%
Max EPS beat(2)42.14%
EPS beat(4)4
Avg EPS beat(4)155.92%
Min EPS beat(4)10.29%
Max EPS beat(4)538.38%
EPS beat(8)7
Avg EPS beat(8)232.28%
EPS beat(12)8
Avg EPS beat(12)135.67%
EPS beat(16)11
Avg EPS beat(16)131.18%
Revenue beat(2)0
Avg Revenue beat(2)-1.01%
Min Revenue beat(2)-1.89%
Max Revenue beat(2)-0.12%
Revenue beat(4)1
Avg Revenue beat(4)-1.3%
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)-0.03%
Revenue beat(16)6
Avg Revenue beat(16)-7.37%
PT rev (1m)9.18%
PT rev (3m)2.32%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-49.19%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.5%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-5.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.84%
Valuation
Industry RankSector Rank
PE 3.58
Fwd PE 3.11
P/S 0.54
P/FCF 0.56
P/OCF 0.53
P/B 0.56
P/tB 0.69
EV/EBITDA 34.07
EPS(TTM)1.37
EY27.9%
EPS(NY)1.58
Fwd EY32.13%
FCF(TTM)8.72
FCFY177.63%
OCF(TTM)9.29
OCFY189.21%
SpS9.12
BVpS8.77
TBVpS7.15
PEG (NY)0.24
PEG (5Y)N/A
Graham Number16.44
Profitability
Industry RankSector Rank
ROA 0.77%
ROE 6.47%
ROCE 1.38%
ROIC 1.09%
ROICexc 1.13%
ROICexgc 1.16%
OM 10.86%
PM (TTM) 6.22%
GM N/A
FCFM 95.63%
ROA(3y)-2.31%
ROA(5y)-1.5%
ROE(3y)-20.09%
ROE(5y)-13.32%
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 3Y12.85%
ROICexgc growth 5YN/A
ROICexc growth 3Y13.59%
ROICexc growth 5YN/A
OM growth 3Y27.97%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.12
Health
Industry RankSector Rank
Debt/Equity 7.18
Debt/FCF 7.21
Debt/EBITDA 32.75
Cap/Depr 61.1%
Cap/Sales 6.23%
Interest Coverage 0.23
Cash Conversion 483.59%
Profit Quality 1537.3%
Current Ratio 1.85
Quick Ratio 1.85
Altman-Z 0.14
F-Score8
WACC6.24%
ROIC/WACC0.17
Cap/Depr(3y)53.31%
Cap/Depr(5y)83.73%
Cap/Sales(3y)8.23%
Cap/Sales(5y)8.11%
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)37.48%
Revenue growth 3Y-14.12%
Revenue growth 5Y3.9%
Sales Q2Q%-1.28%
Revenue Next Year-0.84%
Revenue Next 2Y1.78%
Revenue Next 3Y3.92%
Revenue Next 5YN/A
EBIT growth 1Y138.27%
EBIT growth 3Y9.91%
EBIT growth 5YN/A
EBIT Next Year304.37%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.93%
FCF growth 3Y26.22%
FCF growth 5Y25.17%
OCF growth 1Y5.05%
OCF growth 3Y18.59%
OCF growth 5Y22.01%

OPORTUN FINANCIAL CORP / OPRT Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for OPORTUN FINANCIAL CORP?

ChartMill assigns a fundamental rating of 4 / 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.


How profitable is OPORTUN FINANCIAL CORP (OPRT) stock?

OPORTUN FINANCIAL CORP (OPRT) has a profitability rating of 3 / 10.


What is the earnings growth outlook for OPORTUN FINANCIAL CORP?

The Earnings per Share (EPS) of OPORTUN FINANCIAL CORP (OPRT) is expected to grow by 15.14% in the next year.