OPORTUN FINANCIAL CORP (OPRT) Stock Fundamental Analysis
USA - NASDAQ:OPRT - US68376D1046 - Common Stock
4.735 USD
+0.04 (+0.96%)
4.735 USD
0 (0%)
Taking everything into account, OPRT scores 3 out of 10 in our fundamental rating. OPRT was compared to 55 industry peers in the Consumer Finance industry. OPRT has a bad profitability rating. Also its financial health evaluation is rather negative. OPRT scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
OPRT had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -0.14%, OPRT is not doing good in the industry: 78.18% of the companies in the same industry are doing better.
With a Return On Equity value of -1.22%, OPRT is not doing good in the industry: 76.36% of the companies in the same industry are doing better.
| Industry Rank | Sector 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
1.3 Margins
OPRT does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
OPRT does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, OPRT has more shares outstanding
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.
2.2 Solvency
OPRT has an Altman-Z score of 0.06. 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 (0.06) than 65.45% 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.
OPRT has a Debt to FCF ratio (7.20) which is in line with its industry peers.
A Debt/Equity ratio of 7.31 is on the high side and indicates that OPRT has dependencies on debt financing.
OPRT's Debt to Equity ratio of 7.31 is on the low side compared to the rest of the industry. OPRT is outperformed by 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 7.31 | ||
| Debt/FCF | 7.2 | ||
| Altman-Z | 0.06 |
ROIC/WACCN/A
WACC6.58%
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.
Looking at the Current ratio, with a value of 1.58, OPRT is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
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.
Looking at the Quick ratio, with a value of 1.58, OPRT is in the better half of the industry, outperforming 69.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.58 | ||
| Quick Ratio | 1.58 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 567.65% over the past year.
The earnings per share for OPRT have been decreasing by -35.80% on average. This is quite bad
The Revenue has been growing slightly by 5.18% in the past year.
OPRT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.77% yearly.
EPS 1Y (TTM)567.65%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%1850%
Revenue 1Y (TTM)5.18%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-4.52%
3.2 Future
The Earnings Per Share is expected to grow by 36.05% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 2.74% on average over the next years.
EPS Next Y93.29%
EPS Next 2Y53.74%
EPS Next 3Y36.05%
EPS Next 5YN/A
Revenue Next Year-4.87%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 2.98, the valuation of OPRT can be described as very cheap.
94.55% of the companies in the same industry are more expensive than OPRT, based on the Price/Earnings ratio.
OPRT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.83.
OPRT is valuated cheaply with a Price/Forward Earnings ratio of 2.95.
92.73% of the companies in the same industry are more expensive than OPRT, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 32.68. OPRT is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.98 | ||
| Fwd PE | 2.95 |
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.55 | ||
| EV/EBITDA | 82.96 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as OPRT's earnings are expected to grow with 36.05% in the coming years.
PEG (NY)0.03
PEG (5Y)N/A
EPS Next 2Y53.74%
EPS Next 3Y36.05%
5. Dividend
5.1 Amount
No dividends for OPRT!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
4.735
+0.04 (+0.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners81.79%
Inst Owner Change0.21%
Ins Owners3.55%
Ins Owner Change2.85%
Market Cap208.39M
Revenue(TTM)295.20M
Net Income(TTM)-4.57M
Analysts80
Price Target8.96 (89.23%)
Short Float %5.2%
Short Ratio3.39
Dividend
| Industry Rank | Sector 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)-7.03%
PT rev (3m)-9.11%
EPS NQ rev (1m)4.36%
EPS NQ rev (3m)-3.93%
EPS NY rev (1m)-0.55%
EPS NY rev (3m)6.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.03%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 2.98 | ||
| Fwd PE | 2.95 | ||
| P/S | 0.57 | ||
| P/FCF | 0.55 | ||
| P/OCF | 0.51 | ||
| P/B | 0.55 | ||
| P/tB | 0.7 | ||
| EV/EBITDA | 82.96 |
EPS(TTM)1.59
EY33.58%
EPS(NY)1.61
Fwd EY33.94%
FCF(TTM)8.67
FCFY183.15%
OCF(TTM)9.21
OCFY194.55%
SpS8.33
BVpS8.54
TBVpS6.76
PEG (NY)0.03
PEG (5Y)N/A
Graham Number17.48
Profitability
| Industry Rank | Sector 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
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-Score7
Asset Turnover0.11
Health
| Industry Rank | Sector 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 | 0.06 |
F-Score7
WACC6.58%
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)567.65%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%1850%
EPS Next Y93.29%
EPS Next 2Y53.74%
EPS Next 3Y36.05%
EPS Next 5YN/A
Revenue 1Y (TTM)5.18%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-4.52%
Revenue Next Year-4.87%
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 Year278.28%
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%
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.
What is the valuation status of OPORTUN FINANCIAL CORP (OPRT) stock?
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 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 2.98 and the Price/Book (PB) ratio is 0.55.