Oportun Financial Corporation OPRT
8.55
0.25
3.01%
as of 25 Sep
- Market cap
- $385.8M
- P/E
- 21.4×
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Growth Flags
show if company had growth for consecutive years
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
9.80 | 0.00 | 0.00 | 0.00 | 12.35 | 0.00 | 5.83 | 40.43 | 40.43 | 40.43 |
P/S ratio |
0.26 | 0.16 | 0.13 | 0.19 | 0.91 | 0.91 | 0.37 | 0.00 | 0.00 | 0.00 |
P/FCF ratio |
0.63 | 0.42 | 0.39 | 0.93 | 4.17 | 4.04 | 1.16 | 0.23 | 0.23 | 0.23 |
P/Operating CF |
2.26 | 1.71 | 1.34 | 2.09 | 9.56 | 39.33 | 4.35 | 0.92 | 0.92 | 0.92 |
P/B ratio |
0.63 | 0.44 | 0.35 | 0.34 | 0.95 | 1.13 | 0.46 | 0.54 | 0.54 | 0.54 |
Price to Tangible BV |
0.77 | 0.59 | 0.49 | 0.45 | 1.55 | 1.21 | 0.47 | 0.54 | 0.54 | 0.54 |
EV/Sales |
2.82 | 2.54 | 2.45 | 2.82 | 3.87 | 3.04 | 2.78 | 0.00 | 0.00 | 0.00 |
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 |
6.54 | 6.46 | 6.59 | 10.84 | 14.83 | 11.61 | 7.64 | 5.30 | 5.30 | 5.30 |
EV/FCF |
6.95 | 6.79 | 7.16 | 13.50 | 17.69 | 13.54 | 8.69 | 6.02 | 6.02 | 6.02 |
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 |
81.52% | 80.58% | 77.71% | 74.86% | 69.42% | 70.37% | 71.87% | 76.91% | 0.00% | 73.90% |
Debt/Equity |
6.81 | 7.35 | 6.56 | 4.94 | 3.39 | 3.03 | 3.24 | 3.86 | 0.00 | 3.16 |
Asset Turnover |
0.30 | 0.30 | 0.30 | 0.29 | 0.25 | 0.28 | 0.30 | 0.57 | 0.75 | 0.52 |
Operating CF/Net income |
16.38 | (5.00) | (2.18) | (3.19) | 3.45 | (3.39) | 51.24 | 8.34 | (13.63) | 22.35 |
Capex/Depreciation |
(0.59) | (0.38) | (0.57) | (0.31) | (0.98) | (1.08) | (1.86) | (1.52) | (1.14) | — |
| 6.79% | (20.75%) | (37.80%) | (13.50%) | 8.86% | (9.44%) | 1.48% | 88.17% | 21.71% | (9.40%) | |
| 0.78% | (2.37%) | (5.12%) | (2.37%) | 1.91% | (2.14%) | 0.22% | 1.91% | (2.13%) | 0.92% | |
ROIC |
0.97% | (2.63%) | (5.56%) | (1.54%) | 1.60% | (2.12%) | 2.73% | 6.83% | 0.14% | 0.00% |
Return on Tangible Assets |
0.82% | (2.63%) | (5.68%) | (2.30%) | 1.82% | (2.40%) | 0.21% | 1.00% | 0.00% | 27.62% |
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 |
71.19% | 87.72% | 107.02% | 98.14% | 82.38% | 99.95% | 75.84% | 56.39% | 89.34% | 0.00% |
Intangible Assets out of Total Assets |
0.02 | 0.03 | 0.03 | 0.04 | 0.08 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 |
Share Based Compensation of Revenue |
1.12% | 1.30% | 1.76% | 2.90% | 3.01% | 3.34% | 3.20% | 1.36% | 1.58% | 0.00% |
Graham Net Nets |
0.84 | 0.77 | 1.13 | 1.69 | 0.45 | 0.64 | 1.63 | 9.21 | 9.21 | 9.21 |
Graham Number |
10.10 | 0.00 | 0.00 | 0.00 | 28.11 | 0.00 | 69.29 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
10.21% | (51.80%) | (130.83%) | (41.13%) | 8.10% | (8.57%) | 17.15% | 2.47% | 2.47% | 2.47% |
Free Cash Flow Yield |
158.45% | 239.07% | 253.97% | 107.48% | 23.99% | 24.76% | 86.38% | 438.47% | 438.47% | 438.47% |
Revenue per Share |
20.61 | 24.82 | 28.66 | 29.02 | 22.23 | 21.36 | 64.21 | 192.46 | 149.17 | 9.25 |
Operating CF per Share |
8.91 | 9.75 | 10.65 | 7.55 | 5.80 | 5.59 | 23.36 | 53.52 | 57.49 | 3.67 |
Capex per Share |
(0.52) | (0.48) | (0.85) | (1.49) | (0.94) | (0.80) | (2.81) | (6.94) | (4.97) | 0.00 |
Free Cash Flow per Share |
8.38 | 9.28 | 9.80 | 6.06 | 4.86 | 4.80 | 20.56 | 46.58 | 52.52 | 3.67 |
Cash per Share |
4.29 | 5.32 | 5.59 | 6.21 | 6.84 | 6.17 | 14.57 | 49.96 | 0.00 | 0.00 |
Shareholders Equity per Share |
8.40 | 8.77 | 10.97 | 16.68 | 21.42 | 17.07 | 52.29 | 134.04 | 0.00 | 8.33 |
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 |
8.40 | 8.77 | 10.97 | 16.68 | 21.42 | 17.07 | 52.29 | 134.04 | 0.00 | 8.33 |
Free Cash Flow |
389.08 | 374.34 | 361.50 | 198.98 | 136.97 | 131.10 | 192.15 | 120.43 | 127.10 | 98.78 |
Working Capital |
3,073.03 | 2,993.15 | 3,168.37 | 3,379.27 | 2,600.68 | 1,880.54 | 2,074.60 | 1,665.60 | — | — |
Capital Expenditures |
(24.33) | (19.19) | (31.26) | (48.89) | (26.48) | (21.77) | (26.22) | (17.94) | (12.02) | (14.20) |
Net Current Asset Value |
205.25 | 119.85 | 160.88 | 313.17 | 257.94 | 338.12 | 361.49 | 272.21 | 0.00 | (735.00) |
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 |
0.03 | 0.02 | 0.03 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.03 | 0.00 |
Net Profit Margin |
2.64% | (7.85%) | (17.03%) | (8.16%) | 7.56% | (7.72%) | 0.71% | 3.34% | (2.83%) | 1.78% |
Price to Operating Income |
5.57 | 0.00 | 0.00 | 0.00 | 9.09 | 0.00 | 2.63 | 0.00 | 0.00 | 0.00 |
| 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 |
12.74% | 12.42% | 12.04% | 7.17% | 5.75% | 7.46% | 9.89% | 7.63% | 14.55% | 8.88% |
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 |
3,242.48 | 3,319.50 | 3,512.79 | 3,280.16 | 2,477.84 | 2,105.46 | 1,970.91 | 869.97 | 479.00 | 479.00 |
Average Common Equity |
371.95 | 379.11 | 476.00 | 575.74 | 535.25 | 477.70 | 288.71 | 18.82 | (47.00) | (47.00) |
Columns are period end dates