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OPORTUN FINANCIAL CORP (OPRT) Stock Fundamental Analysis

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

6.83  -0.17 (-2.43%)

After market: 6.83 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to OPRT. OPRT was compared to 52 industry peers in the Consumer Finance industry. OPRT has a bad profitability rating. Also its financial health evaluation is rather negative. 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

In the past year OPRT was profitable.
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

With a Return On Assets value of -1.32%, OPRT is not doing good in the industry: 76.92% of the companies in the same industry are doing better.
With a Return On Equity value of -11.60%, OPRT is not doing good in the industry: 82.69% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -1.32%
ROE -11.6%
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.
The number of shares outstanding for OPRT has been increased compared to 1 year ago.
Compared to 5 years ago, OPRT has more shares outstanding
The debt/assets ratio for OPRT is higher compared to a year ago.
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 -0.01. This is a bad value and indicates that OPRT is not financially healthy and even has some risk of bankruptcy.
OPRT's Altman-Z score of -0.01 is on the low side compared to the rest of the industry. OPRT is outperformed by 69.23% of its industry peers.
The Debt to FCF ratio of OPRT is 7.23, which is on the high side as it means it would take OPRT, 7.23 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 7.23, OPRT is in line with its industry, outperforming 53.85% of the companies in the same industry.
OPRT has a Debt/Equity ratio of 7.62. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 7.62, OPRT is doing worse than 84.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 7.62
Debt/FCF 7.23
Altman-Z -0.01
ROIC/WACCN/A
WACC6.74%
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 1.49. 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 Current ratio value of 1.49, OPRT perfoms like the industry average, outperforming 55.77% of the companies in the same industry.
OPRT has a Quick Ratio of 1.49. 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 1.49, OPRT is in line with its industry, outperforming 55.77% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.49
Quick Ratio 1.49
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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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 217.86% 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 decreased by -9.33% in the past year.
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)217.86%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%344.44%
Revenue 1Y (TTM)-9.33%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-5.83%

3.2 Future

Based on estimates for the next years, OPRT will show a very strong growth in Earnings Per Share. The EPS will grow by 41.03% on average per year.
The Revenue is expected to grow by 3.08% on average over the next years.
EPS Next Y81.29%
EPS Next 2Y57.18%
EPS Next 3Y41.03%
EPS Next 5YN/A
Revenue Next Year-3.69%
Revenue Next 2Y1.8%
Revenue Next 3Y3.08%
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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8

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.90, which indicates a rather cheap valuation of OPRT.
Compared to the rest of the industry, the Price/Earnings ratio of OPRT indicates a somewhat cheap valuation: OPRT is cheaper than 76.92% of the companies listed in the same industry.
OPRT is valuated cheaply when we compare the Price/Earnings ratio to 26.34, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 4.07, which indicates a rather cheap valuation of OPRT.
90.38% of the companies in the same industry are more expensive than OPRT, based on the Price/Forward Earnings ratio.
OPRT's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.03.
Industry RankSector Rank
PE 6.9
Fwd PE 4.07
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

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 0.66
EV/EBITDA N/A
OPRT Per share dataOPRT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

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 41.03% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y57.18%
EPS Next 3Y41.03%

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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 (6/20/2025, 8:00:02 PM)

After market: 6.83 0 (0%)

6.83

-0.17 (-2.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-06 2025-08-06/amc
Inst Owners69.85%
Inst Owner Change20.22%
Ins Owners3.03%
Ins Owner Change4.26%
Market Cap256.13M
Analysts80
Price Target9.59 (40.41%)
Short Float %0.64%
Short Ratio0.57
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)773.53%
Min EPS beat(2)538.38%
Max EPS beat(2)1008.68%
EPS beat(4)3
Avg EPS beat(4)409.91%
Min EPS beat(4)-50.98%
Max EPS beat(4)1008.68%
EPS beat(8)5
Avg EPS beat(8)203.78%
EPS beat(12)7
Avg EPS beat(12)154.1%
EPS beat(16)11
Avg EPS beat(16)199.01%
Revenue beat(2)1
Avg Revenue beat(2)0.1%
Min Revenue beat(2)-0.86%
Max Revenue beat(2)1.06%
Revenue beat(4)2
Avg Revenue beat(4)-0.38%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)1.06%
Revenue beat(8)4
Avg Revenue beat(8)0.31%
Revenue beat(12)5
Avg Revenue beat(12)-9.6%
Revenue beat(16)6
Avg Revenue beat(16)-9.44%
PT rev (1m)1.62%
PT rev (3m)3.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-16.4%
EPS NY rev (1m)-0.59%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.89%
Revenue NY rev (1m)-0.08%
Revenue NY rev (3m)-0.09%
Valuation
Industry RankSector Rank
PE 6.9
Fwd PE 4.07
P/S 0.8
P/FCF 0.66
P/OCF 0.63
P/B 0.7
P/tB 0.9
EV/EBITDA N/A
EPS(TTM)0.99
EY14.49%
EPS(NY)1.68
Fwd EY24.6%
FCF(TTM)10.29
FCFY150.69%
OCF(TTM)10.9
OCFY159.54%
SpS8.58
BVpS9.76
TBVpS7.58
PEG (NY)0.08
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -1.32%
ROE -11.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 119.91%
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-Score5
Asset Turnover0.1
Health
Industry RankSector Rank
Debt/Equity 7.62
Debt/FCF 7.23
Debt/EBITDA N/A
Cap/Depr 46.25%
Cap/Sales 7.04%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.49
Quick Ratio 1.49
Altman-Z -0.01
F-Score5
WACC6.74%
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)217.86%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%344.44%
EPS Next Y81.29%
EPS Next 2Y57.18%
EPS Next 3Y41.03%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.33%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-5.83%
Revenue Next Year-3.69%
Revenue Next 2Y1.8%
Revenue Next 3Y3.08%
Revenue Next 5YN/A
EBIT growth 1Y49.85%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year274.58%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y67.51%
FCF growth 3Y44.18%
FCF growth 5Y14.21%
OCF growth 1Y42.82%
OCF growth 3Y34.04%
OCF growth 5Y12.5%