Saturday 17 October 2026
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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. In the quarter to June 2026, revenue was flat, EPS grew 13.3%, free cash flow grew 5.05% and total debt was flat, each against the same quarter a year earlier. Operating cash flow growth for five consecutive years.
9.08
0.13
−1.41%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
40.43 | 40.43 | 40.43 | 5.83 | 0.00 | 12.35 | 0.00 | 0.00 | 0.00 | 9.80 |
P/S ratio |
0.00 | 0.00 | 0.00 | 0.37 | 0.91 | 0.91 | 0.19 | 0.13 | 0.16 | 0.26 |
P/FCF ratio |
0.23 | 0.23 | 0.23 | 1.16 | 4.04 | 4.17 | 0.93 | 0.39 | 0.42 | 0.63 |
P/Operating CF |
0.92 | 0.92 | 0.92 | 4.35 | 39.33 | 9.56 | 2.09 | 1.34 | 1.71 | 2.26 |
P/B ratio |
0.54 | 0.54 | 0.54 | 0.46 | 1.13 | 0.95 | 0.34 | 0.35 | 0.44 | 0.63 |
Price to Tangible BV |
0.54 | 0.54 | 0.54 | 0.47 | 1.21 | 1.55 | 0.45 | 0.49 | 0.59 | 0.77 |
EV/Sales |
0.00 | 0.00 | 0.00 | 2.78 | 3.04 | 3.87 | 2.82 | 2.45 | 2.54 | 2.82 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
5.30 | 5.30 | 5.30 | 7.64 | 11.61 | 14.83 | 10.84 | 6.59 | 6.46 | 6.54 |
EV/FCF |
6.02 | 6.02 | 6.02 | 8.69 | 13.54 | 17.69 | 13.50 | 7.16 | 6.79 | 6.95 |
Quick Ratio |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Current Ratio |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
73.90% | 0.00% | 76.91% | 71.87% | 70.37% | 69.42% | 74.86% | 77.71% | 80.58% | 81.52% |
Debt/Equity |
3.16 | 0.00 | 3.86 | 3.24 | 3.03 | 3.39 | 4.94 | 6.56 | 7.35 | 6.81 |
Asset Turnover |
0.52 | 0.75 | 0.37 | 0.30 | 0.28 | 0.25 | 0.29 | 0.30 | 0.30 | 0.30 |
Operating CF/Net income |
22.35 | (13.63) | 8.34 | 51.24 | (3.39) | 3.45 | (3.19) | (2.18) | (5.00) | 16.38 |
Capex/Depreciation |
— | (1.14) | (1.52) | (1.86) | (1.08) | (0.98) | (0.31) | (0.57) | (0.38) | (0.59) |
| (9.40%) | 21.71% | 88.17% | 1.48% | (9.44%) | 8.86% | (13.50%) | (37.80%) | (20.75%) | 6.79% | |
| 0.92% | (2.13%) | 1.23% | 0.22% | (2.14%) | 1.91% | (2.37%) | (5.12%) | (2.37%) | 0.78% | |
ROIC |
0.00% | 0.14% | 6.83% | 2.73% | (2.12%) | 1.60% | (1.54%) | (5.56%) | (2.63%) | 0.97% |
Return on Tangible Assets |
27.62% | 0.00% | 1.00% | 0.21% | (2.40%) | 1.82% | (2.30%) | (5.68%) | (2.63%) | 0.82% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 89.34% | 56.39% | 75.84% | 99.95% | 82.38% | 98.14% | 107.02% | 87.72% | 71.19% |
Intangible Assets out of Total Assets |
0.01 | 0.00 | 0.00 | 0.01 | 0.01 | 0.08 | 0.04 | 0.03 | 0.03 | 0.02 |
Share Based Compensation of Revenue |
0.00% | 1.58% | 1.36% | 3.20% | 3.34% | 3.01% | 2.90% | 1.76% | 1.30% | 1.12% |
Graham Net Nets |
9.21 | 9.21 | 9.21 | 1.63 | 0.64 | 0.45 | 1.69 | 1.13 | 0.77 | 0.84 |
Graham Number |
0.00 | 0.00 | 0.00 | 69.29 | 0.00 | 28.11 | 0.00 | 0.00 | 0.00 | 10.10 |
Earnings Yield |
2.47% | 2.47% | 2.47% | 17.15% | (8.57%) | 8.10% | (41.13%) | (130.83%) | (51.80%) | 10.21% |
Free Cash Flow Yield |
438.47% | 438.47% | 438.47% | 86.38% | 24.76% | 23.99% | 107.48% | 253.97% | 239.07% | 158.45% |
Revenue per Share |
9.25 | 149.17 | 192.46 | 64.21 | 21.36 | 22.23 | 29.02 | 28.66 | 24.82 | 20.61 |
Operating CF per Share |
3.67 | 57.49 | 53.52 | 23.36 | 5.59 | 5.80 | 7.55 | 10.65 | 9.75 | 8.91 |
Capex per Share |
0.00 | (4.97) | (6.94) | (2.81) | (0.80) | (0.94) | (1.49) | (0.85) | (0.48) | (0.52) |
Free Cash Flow per Share |
3.67 | 52.52 | 46.58 | 20.56 | 4.80 | 4.86 | 6.06 | 9.80 | 9.28 | 8.38 |
Cash per Share |
0.00 | 0.00 | 49.96 | 14.57 | 6.17 | 6.84 | 6.21 | 5.59 | 5.32 | 4.29 |
Shareholders Equity per Share |
8.33 | 0.00 | 134.04 | 52.29 | 17.07 | 21.42 | 16.68 | 10.97 | 8.77 | 8.40 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
8.33 | 0.00 | 134.04 | 52.29 | 17.07 | 21.42 | 16.68 | 10.97 | 8.77 | 8.40 |
Free Cash Flow |
98.78 | 127.10 | 120.43 | 192.15 | 131.10 | 136.97 | 198.98 | 361.50 | 374.34 | 389.08 |
Working Capital |
— | — | 1,665.60 | 2,074.60 | 1,880.54 | 2,600.68 | 3,379.27 | 3,168.37 | 2,993.15 | 3,073.03 |
Capital Expenditures |
(14.20) | (12.02) | (17.94) | (26.22) | (21.77) | (26.48) | (48.89) | (31.26) | (19.19) | (24.33) |
Net Current Asset Value |
(735.00) | 0.00 | 272.21 | 361.49 | 338.12 | 257.94 | 313.17 | 160.88 | 119.85 | 205.25 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 | 0.03 | 0.02 | 0.03 |
Price to Operating Income |
0.00 | 0.00 | 0.00 | 2.63 | 0.00 | 9.09 | 0.00 | 0.00 | 0.00 | 5.57 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Cash ROIC |
10.60% | 13.29% | 6.64% | 8.70% | 6.40% | 4.82% | 5.76% | 11.08% | 11.81% | 11.99% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Inventory Turnover |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Days of Inventory on Hand |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Assets |
479.00 | 479.00 | 1,348.97 | 1,970.91 | 2,105.46 | 2,477.84 | 3,280.16 | 3,512.79 | 3,319.50 | 3,242.48 |
Average Common Equity |
(47.00) | (47.00) | 18.82 | 288.71 | 477.70 | 535.25 | 575.74 | 476.00 | 379.11 | 371.95 |
Columns are period end dates