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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%
Market cap
$423.5M
P/E
22.7×
Fwd P/E
4.6×
Dividend yield
—
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.42
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — 2 — — — — — 2 —
Insider Ownership 13.22%

Capital & Financial Ratios $m

Market Cap 423.54
Revenue 948.43
Net Income 19.48
Free Cash Flow 395.86
Net Debt 2,317.96
Current Ratio 0.00
Debt/Equity 6.22
P/E ratio 22.70
Fwd P/E 4.56
P/S ratio 0.46
P/B ratio 1.08
Past 5Y EPS Growth —
This Y EPS Growth 15.88% (at or above 15%: strong)
Next Y EPS Growth 23.86% (at or above 15%: strong)
Next Y revenue growth (1.20%) (below 0%: weak)
Next 5Y EPS Growth 19.14% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/S against its own 10 years 70.94%
10-year low 10-year high
P/B against its own 10 years 86.75%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 206 215 199 212
Receivables — — — —
Inventory — — — —
Other — — — —
3,168 2,993 3,073 2,949
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%)

Revenue $m

Mar Jun Sep Dec Year
’26 229 233 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.05 0.17 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — — 14.22 5.26 15.35 4.03 2.13 2.05 3.45

Analyst estimates 2026–2028

Powerpack
High — — — 25.84 24.28 27.95 21.39 8.06 4.60 9.25
People
People Employees — — 3,094,000,000 2,663 3,149 3,042 3,235 2,465 2,429 2,488
Revenue/emp, $m 0.00 0.00 0.00 0.23 0.19 0.21 0.29 0.43 0.41 0.38
Income, $m
Income, $m Revenue 249 361 498 600 584 627 953 1,057 1,002 957
Gross margin, % 0.00 89.92 90.57 89.91 90.00 92.39 90.23 83.02 76.23 75.80
EBT 16 2 170 84 (58) 63 (75) (254) (115) 44
EBT margin, % 6.45 0.57 34.18 14.07 (9.95) 10.02 (7.90) (24.00) (11.50) 4.61
Net income 4 (10) 123 62 (45) 47 (78) (180) (79) 25
Depreciation — 11 12 14 20 27 156 55 51 41
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
Earnings 0.16 (4.22) 47.73 0.46 (1.65) 1.56 (2.37) (4.88) (1.95) 0.53
Cash flow 3.67 57.49 53.52 23.36 5.59 5.80 7.55 10.65 9.75 8.91
Capex 0.00 (4.97) (6.94) (2.81) (0.80) (0.94) (1.49) (0.85) (0.48) (0.52)
Free cash flow 3.67 52.52 46.58 20.56 4.80 4.86 6.06 9.80 9.28 8.38
Book value 8.33 0.00 134.04 52.29 17.07 21.42 16.68 10.97 8.77 8.40
Shares, m 27 2 3 9 27 28 33 37 40 46
Valuation, ×
Valuation, × P/E 40.43 40.43 40.43 5.83 0.00 12.35 0.00 0.00 0.00 9.80
P/S 0.00 0.00 0.00 0.37 0.91 0.91 0.19 0.13 0.16 0.26
P/B 0.54 0.54 0.54 0.46 1.13 0.95 0.34 0.35 0.44 0.63
EV/Sales 0.00 0.00 0.00 2.78 3.04 3.87 2.82 2.45 2.54 2.82
EV/FCF 6.02 6.02 6.02 8.69 13.54 17.69 13.50 7.16 6.79 6.95
Cash, $m
Cash, $m Operating cash flow 99 139 138 218 153 163 248 393 394 413
Capex (14) (12) (18) (26) (22) (26) (49) (31) (19) (24)
Free cash flow 99 127 120 192 131 137 199 362 374 389
Balance, $m
Balance, $m Working capital — — 1,666 2,075 1,881 2,601 3,379 3,168 2,993 3,073
Total debt 708 956 1,338 1,583 1,414 2,046 2,705 2,651 2,600 2,656
Net debt 708 956 1,209 1,446 1,245 1,853 2,501 2,445 2,386 2,457
Shareholders’ equity 224 — 347 489 467 604 548 404 354 390
Returns, %
Returns, % ROA 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
ROE (9.40) 21.71 88.17 1.48 (9.44) 8.86 (13.50) (37.80) (20.75) 6.79
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
QFIN Qfin Holdings Inc. - Sponsored ADR $709.5M 1.3× 3.6× −27.81% (below 0%: shrinking) −72.53% (below 0%: shrinking) −55.53% (below 0%: shrinking) 81.04% 36.17% Compare
GDOT Green Dot Corporation $698.6M — (loss-making) 11.6× +18.19% (above 0%: growing) n/m +61.21% (above 0%: growing) 100.00% (0.13%) Compare
OPFI OppFi Inc. $491.7M 1.7× 4.3× −14.04% (below 0%: shrinking) n/m −3.92% (below 0%: shrinking) 86.77% 37.69% Compare
OPRT Oportun Financial Corporation $423.5M 22.7× 4.6× −0.48% (below 0%: shrinking) +13.33% (above 0%: growing) +5.05% (above 0%: growing) 82.02% 0.00%
FINV PPDAI Group Inc. Sponsored ADR $410.6M 2.8× 4.1× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42% Compare
RM Regional Management Corp. $318.0M 6.8× 6.4× +6.71% (above 0%: growing) −14.95% (below 0%: shrinking) +1.86% (above 0%: growing) 100.00% 19.97% Compare
PMTS CPI Card Group Inc. $297.9M 20.7× 9.0× +14.97% (above 0%: growing) +260.00% (above 0%: growing) +4,762.29% (above 0%: growing) 32.50% 7.95% Compare
FOA Finance of America Companies Inc. $279.1M — (loss-making) — (loss-making) −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
MFIN Medallion Financial Corp. $256.9M 8.0× 8.6× +2.54% (above 0%: growing) −34.69% (below 0%: shrinking) +176.13% (above 0%: growing) 69.47% 0.00% Compare
Median of peers $364.3M 4.8× 6.4× +1.48% −31.71% −1.03% 83.91% 12.69%

All 55 Credit Services stocks →

Oportun Financial Corporation (OPRT) key facts

  • Concern: Oportun Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $956.7 million, down 4.50% from fiscal 2024.
  • Oportun Financial Corporation (OPRT) is a Credit Services company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, OPRT traded at $9.08, a market capitalization of $423.5 million.
  • Return on equity was 6.79% and debt-to-equity 6.22.

Source: company filings (standardised) and stockrow calculations.

Oportun Financial Corporation (OPRT) Latest News

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stockrow.com/OPRT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com