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Oportun Financial Corporation

OPRT Financial Credit Services

Oportun Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $956.7 million, down 4.50% from fiscal 2024.

Revenue
+3.18%
EPS
+327.3%
Free cash flow
+21.8%
Total debt
−0.95%

Quarter to September 2026, against a year earlier

11.19 0.41 −3.53%
Market cap
$533.5M
P/E
15.3×
Fwd P/E
10.1×
Dividend yield
—
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.42
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — 2 — — — — — 2 — —
Insider Ownership 13.52%

Capital & Financial Ratios $m

Size
Market Cap 533.45
Revenue ttm 956.02
Net income ttm 37.22
Free cash flow ttm 416.10
Net debt Q (258.36)
Valuation
P/E 15.29
Forward P/E 10.10
Price / sales 0.59
Forward P/S Powerpack
Price / FCF 1.36
Price / book 1.30
Financial health
Current ratio Q 0.00
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +3.18% (above 0%: growing)
Operating income growth Q +142.80% (above 0%: growing)
EPS, this year +22.24% (at or above 15%: strong)
EPS, next year A +25.11% (at or above 15%: strong)
Revenue, next year A −1.20% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +20.84% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/S against its own 10 years 76.20%
10-year low 10-year high
P/B against its own 10 years 95.81%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 206 215 199 258
Receivables — — — —
Inventory — — — —
Other — — — —
3,168 2,993 3,073 —
2023 2024 2025 2026
Payables — — — —
ST’ Debt — — — —
Other — — — —
— — — —

Compound Annual Growth %

10y 5y 3y
Sales — 10.39% 0.14%
Cash Flow — 22.01% 18.59%
Earnings — 0.00% 0.00%
Book Value — (3.52%) (10.69%)

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.45 Actual 0.51

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.26 0.27 Beat by 0.01
Q1 FY26 0.21 0.21 Met by 0.00
Q2 FY26 0.33 0.42 Beat by 0.09
Q3 FY26 0.45 0.51 Beat by 0.06
Q4 FY26 0.53 — Reports 25 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.05 0.17 0.47 — —
’25 0.21 0.14 0.11 0.07 0.53
’24 (0.68) (0.78) (0.75) 0.20 (1.95)
’23 (3.00) (0.41) (0.55) (1.09) (4.88)
’22 1.37 (0.28) (3.21) (0.25) (2.37)
’21 0.10 0.24 0.75 0.46 1.56
’20 (0.49) (1.26) (0.22) 0.29 (1.65)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 229 233 246 — —
’25 236 234 239 248 957
’24 250 250 250 251 1,002
’23 260 267 268 263 1,057
’22 215 226 250 262 953
’21 135 138 159 194 627
’20 163 143 137 141 584
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 104 109 119 — —
’25 101 105 99 109 413
’24 86 108 108 91 394
’23 77 103 107 106 393
’22 39 53 68 89 248
’21 18 36 50 60 163
’20 52 42 45 13 153
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 97 103 113 — —
’25 95 98 93 103 389
’24 83 102 104 85 374
’23 65 96 101 100 362
’22 28 40 54 76 199
’21 13 29 44 52 137
’20 45 35 40 12 131
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 249 361 498 600 584 627 953 1,057 1,002 957 956 +16.1% 945 995 1,045 +3.0%
Gross margin, % 0.00 89.92 90.57 89.91 90.00 92.39 90.23 83.02 76.23 75.80 80.23 +75.8 pt
EBT 16 2 170 84 (58) 63 (75) (254) (115) 44 60 +11.9%
EBT margin, % 6.45 0.57 34.18 14.07 (9.95) 10.02 (7.90) (24.00) (11.50) 4.61 6.31 (1.8) pt
Net income 4 (10) 123 62 (45) 47 (78) (180) (79) 25 37 +21.4%
Per share, $
Per share, $ Revenue 9.25 149.17 192.46 64.21 21.36 22.23 29.02 28.66 24.82 20.61 19.68 +9.3%
Earnings 0.16 (4.22) 6.42 0.46 (1.65) 1.56 (2.37) (4.88) (1.95) 0.53 0.76 +14.2%
Cash flow 3.67 57.49 53.52 23.36 5.59 5.80 7.55 10.65 9.75 8.91 9.07 +10.3%
Capex 0.00 (4.97) (6.94) (2.81) (0.80) (0.94) (1.49) (0.85) (0.48) (0.52) (0.51) n/m
Free cash flow 3.67 52.52 46.58 20.56 4.80 4.86 6.06 9.80 9.28 8.38 8.56 +9.6%
Book value 8.33 0.00 134.04 52.29 17.07 21.42 16.68 10.97 8.77 8.40 8.92 +0.1%
Shares, m 27 2 3 9 27 28 33 37 40 46 48 +6.3%
Valuation, ×
Valuation, × P/E 40.43 40.43 40.43 5.83 0.00 12.35 0.00 0.00 0.00 9.80 15.29 14.9
P/S 0.00 0.00 0.00 0.37 0.91 0.91 0.19 0.13 0.16 0.26 0.59 0.3
P/B 0.54 0.54 0.54 0.46 1.13 0.95 0.34 0.35 0.44 0.63 1.30 0.6
EV/Sales 0.00 0.00 0.00 2.78 3.04 3.87 2.82 2.45 2.54 2.82 — 2.0
EV/FCF 6.02 6.02 6.02 8.69 13.54 17.69 13.50 7.16 6.79 6.95 — 9.2
Cash, $m
Cash, $m Operating cash flow 99 139 138 218 153 163 248 393 394 413 441 +17.2%
Capex (14) (12) (18) (26) (22) (26) (49) (31) (19) (24) (25) +6.2%
Free cash flow 99 127 120 192 131 137 199 362 374 389 416 +16.5%
Balance, $m
Balance, $m Working capital — — 1,666 2,075 1,881 2,601 3,379 3,168 2,993 3,073 2,949 +9.1%
Net debt 708 956 1,209 1,446 1,245 1,853 2,501 2,445 2,386 2,457 (258) +14.8%
Shareholders’ equity 224 — 347 489 467 604 548 404 354 390 433 +6.4%
Returns, %
Returns, % ROA 0.92 (2.13) 1.23 0.22 (2.14) 1.91 (2.37) (5.12) (2.37) 0.78 1.16 (0.1) pt
ROIC 0.00 0.14 6.83 2.73 (2.12) 1.60 (1.54) (5.56) (2.63) 0.97 21.54 +1.0 pt
ROE (9.40) 21.71 88.17 1.48 (9.44) 8.86 (13.50) (37.80) (20.75) 6.79 9.11 +16.2 pt
People
People Employees — — 3,094,000,000 2,663 3,149 3,042 3,235 2,465 2,429 2,488 — (86.5%)
Revenue/emp, $m 0.00 0.00 0.00 0.23 0.19 0.21 0.29 0.43 0.41 0.38 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

Oportun Financial Corporation vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NAVI Navient Holdings, Inc. $827.2M — (loss-making) 12.1× −11.91% (below 0%: shrinking) +92.86% (above 0%: growing) +13.49% (above 0%: growing) 21.13% 0.00% Compare
PRAA PRA Group, Inc. $768.8M — (loss-making) 5.9× +29.37% (above 0%: growing) +40.74% (above 0%: growing) −172.63% (below 0%: shrinking) 100.00% 41.19% Compare
LU Lufax Holding Ltd. Sponsored ADR $723.6M — (loss-making) — (loss-making) +12.08% (above 0%: growing) n/m −108.45% (below 0%: shrinking) 100.00% 63.39% Compare
GDOT Green Dot Corporation $708.9M — (loss-making) 58.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%) Compare
WRLD World Acceptance Corporation $673.1M 13.9× 12.7× +3.53% (above 0%: growing) n/m +9.97% (above 0%: growing) 100.00% 16.75% Compare
QFIN Qfin Holdings Inc. - Sponsored ADR $665.6M 1.3× 2.1× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00%
FINV PPDAI Group Inc. Sponsored ADR $376.9M 2.6× 3.4× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42% Compare
Median of peers $691.0M 2.7× 5.9× +1.98% −31.71% −36.97% 92.97% 17.09%

All 53 Credit Services stocks →

Pay and ownership Proxy statement filed 29 June 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 4.33m 4.56m 96.01
2024 1.89m 1.78m 70.42
2023 1.69m 1.59m 20.19

Ownership

Directors and executive officers, together 1.60%
Entities affiliated with Neuberger Berman 13.10%
Entities affiliated with Forager Capital Management 7.60%
Entities affiliated with Findell Capital Management LLC 6.50%
Entities affiliated with Castlelake 5.30%
BlackRock, Inc. 5.30%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Oportun Financial Corporation (OPRT) Latest News

4 Nov

Impact 3 · · The Motley Fool transcript
Impact 3 · · Moby
Impact 3 · · GuruFocus.com

3 Nov

Impact 3 · · MarketBeat
Impact 3 · · GlobeNewswire

20 Oct

Impact 3 · · GlobeNewswire

1 Oct

Impact 3 · · Zacks

28 Sep

Impact 3 · · MarketBeat

21 Sep

Impact 4 · · GlobeNewswire

14 Aug

Impact 3 ·

12 Aug

Impact 3 · · The Motley Fool transcript

6 Aug

Impact 3 · · Moby transcript
Impact 3 · transcript

5 Aug

Impact 3 · · MarketBeat transcript
Impact 3 ·
Impact 3 ·

29 Jul

Impact 3 ·

27 Jul

Impact 3 ·

9 Jul

Impact 3 ·

9 May

Impact 3 · · Simply Wall St.

8 May

Impact 3 · · MarketBeat

7 May

Impact 4 · · Moby
Impact 4 · · GlobeNewswire

30 Apr

Impact 4 · · Zacks

16 Apr

Impact 4 ·

2 Apr

Impact 4 · · GlobeNewswire

21 Mar

Impact 4 · · MarketBeat

27 Feb

Impact 4 · · Moby
Impact 4 · · MarketBeat
Impact 4 · · GuruFocus.com
stockrow.com/OPRT · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com