OPORTUN FINANCIAL CORP (OPRT) Stock Fundamental Analysis

NASDAQ:OPRT • US68376D1046

5.035 USD
-0.42 (-7.78%)
Last: Feb 27, 2026, 02:52 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall OPRT gets a fundamental rating of 3 out of 10. We evaluated OPRT against 54 industry peers in the Consumer Finance industry. OPRT may be in some trouble as it scores bad on both profitability and health. OPRT has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year OPRT was profitable.
  • In the past year OPRT had a positive cash flow from operations.
  • 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 68.52% of its industry peers.
  • OPRT has a Return On Equity of 7.97%. This is in the lower half of the industry: OPRT underperforms 64.81% of its industry peers.
  • OPRT has a Return On Invested Capital of 1.05%. This is comparable to the rest of the industry: OPRT outperforms 40.74% 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

  • OPRT's Profit Margin of 7.48% is on the low side compared to the rest of the industry. OPRT is outperformed by 64.81% of its industry peers.
  • 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. Health

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.
  • There is no outstanding debt for OPRT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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 Altman-Z score of 0.14. This is in the lower half of the industry: OPRT underperforms 61.11% of its industry peers.
  • OPRT has a debt to FCF ratio of 7.36. This is a slightly negative value and a sign of low solvency as OPRT would need 7.36 years to pay back of 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.
  • A Debt/Equity ratio of 7.11 is on the high side and indicates that OPRT has dependencies on debt 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
WACC6.67%
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 1.72. This is a normal value and indicates that OPRT is financially healthy and should not expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 1.72, OPRT is doing good in the industry, outperforming 66.67% of the companies in the same industry.
  • A Quick Ratio of 1.72 indicates that OPRT should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.72, OPRT is in the better half of the industry, outperforming 66.67% of the companies in the same industry.
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

3

3. Growth

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

  • Based on estimates for the next years, OPRT will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.11% on average per year.
  • OPRT is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.36% yearly.
EPS Next Y9.22%
EPS Next 2Y14.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4%
Revenue Next 2Y5.36%
Revenue Next 3YN/A
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 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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Find the best growth stocksShow best growing peers

8

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 3.68, which indicates a rather cheap valuation of OPRT.
  • OPRT's Price/Earnings ratio is rather cheap when compared to the industry. OPRT is cheaper than 85.19% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.11, OPRT is valued rather cheaply.
  • A Price/Forward Earnings ratio of 3.36 indicates a rather cheap valuation of OPRT.
  • 90.74% of the companies in the same industry are more expensive than OPRT, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.13, OPRT is valued rather cheaply.
Industry RankSector Rank
PE 3.68
Fwd PE 3.36
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 100.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.6
EV/EBITDA 33.79
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 14.11% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.4
PEG (5Y)N/A
EPS Next 2Y14.11%
EPS Next 3YN/A

More info and screens

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

0

5. Dividend

5.1 Amount

  • No dividends for OPRT!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

OPORTUN FINANCIAL CORP

NASDAQ:OPRT (2/27/2026, 2:52:09 PM)

5.035

-0.42 (-7.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-26
Earnings (Next)05-06
Inst Owners86.26%
Inst Owner Change6.96%
Ins Owners3.06%
Ins Owner Change4.01%
Market Cap222.19M
Revenue(TTM)N/A
Net Income(TTM)30.58M
Analysts81.54
Price Target8.33 (65.44%)
Short Float %3.77%
Short Ratio3.46
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)-3.28%
PT rev (3m)-4.06%
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 3.68
Fwd PE 3.36
P/S 0.54
P/FCF 0.6
P/OCF 0.56
P/B 0.58
P/tB 0.72
EV/EBITDA 33.79
EPS(TTM)1.37
EY27.21%
EPS(NY)1.5
Fwd EY29.72%
FCF(TTM)8.41
FCFY166.95%
OCF(TTM)8.97
OCFY178.22%
SpS9.26
BVpS8.7
TBVpS7
PEG (NY)0.4
PEG (5Y)N/A
Graham Number16.37
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
WACC6.67%
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 Y9.22%
EPS Next 2Y14.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1.28%
Revenue Next Year4%
Revenue Next 2Y5.36%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y123.49%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year279.75%
EBIT Next 3Y67.31%
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 4 / 10 to OPRT.


Can you provide the valuation status for OPORTUN FINANCIAL CORP?

ChartMill assigns a valuation rating of 9 / 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 2 / 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 3.68 and the Price/Book (PB) ratio is 0.58.


Can you provide the financial health for OPRT stock?

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