(OPRT) Oportun Financial - Ratings and Ratios
Personal Loans, Credit Cards
OPRT EPS (Earnings per Share)
OPRT Revenue
Description: OPRT Oportun Financial
Oportun Financial Corporation is a US-based financial services company that offers personal loans and credit cards to customers through various channels, including online, phone, and retail locations. The company was founded in 2005 and is headquartered in San Carlos, California.
As a consumer finance company, Oportun Financial Corporation operates in a niche market, providing financial services to individuals who may not have access to traditional credit. Key performance indicators (KPIs) to watch for this company include loan growth rate, delinquency ratio, and charge-off rate, which can indicate the quality of its loan portfolio. Additionally, metrics such as return on assets (ROA) and return on equity (ROE), although currently negative at -12.13%, can provide insight into the companys profitability and ability to generate returns for shareholders.
To evaluate Oportun Financial Corporations stock, we can look at its valuation multiples. The forward price-to-earnings (P/E) ratio of 8.14 suggests that the stock may be undervalued relative to its expected earnings growth. Other relevant KPIs include the companys net interest margin, which can indicate its ability to generate revenue from its loan portfolio, and its efficiency ratio, which can provide insight into its operational costs.
From a growth perspective, Oportun Financial Corporations ability to expand its customer base and increase its loan portfolio will be crucial to its success. The companys online and phone channels, as well as its partnerships with retail locations, provide a diversified distribution network that can help drive growth. By monitoring KPIs such as customer acquisition costs and loan origination volumes, we can gain a better understanding of the companys growth prospects.
OPRT Stock Overview
| Market Cap in USD | 266m |
| Sub-Industry | Consumer Finance |
| IPO / Inception | 2019-09-26 |
OPRT Stock Ratings
| Growth Rating | 4.04% |
| Fundamental | 60.9% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | 85.9% |
| Analyst Rating | 4.0 of 5 |
OPRT Dividends
Currently no dividends paidOPRT Growth Ratios
| Growth Correlation 3m | -65.8% |
| Growth Correlation 12m | 82.9% |
| Growth Correlation 5y | -74.8% |
| CAGR 5y | -12.08% |
| CAGR/Max DD 5y | -0.13 |
| Sharpe Ratio 12m | 0.65 |
| Alpha | 94.54 |
| Beta | 1.864 |
| Volatility | 69.86% |
| Current Volume | 464.3k |
| Average Volume 20d | 464.3k |
| Stop Loss | 6.2 (-6.2%) |
| Signal | -0.67 |
Piotroski VR‑10 (Strict, 0-10) 2.5
| Net Income (-4.61m TTM) > 0 and > 6% of Revenue (6% = 58.3m TTM) |
| FCFTA 0.13 (>2.0%) and ΔFCFTA 0.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 8.43% (prev 0.78%; Δ 7.65pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.13 (>3.0%) and CFO 405.4m > Net Income -4.61m (YES >=105%, WARN >=100%) |
| Net Debt (-81.8m) to EBITDA (37.7m) ratio: -2.17 <= 3.0 (WARN <= 3.5) |
| Current Ratio 6.47 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (47.9m) change vs 12m ago 20.28% (target <= -2.0% for YES) |
| Gross Margin 80.86% (prev 99.99%; Δ -19.13pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 30.10% (prev 31.74%; Δ -1.64pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.05 (EBITDA TTM 37.7m / Interest Expense TTM 246.4m) >= 6 (WARN >= 3) |
Altman Z'' 0.10
| (A) 0.03 = (Total Current Assets 96.8m - Total Current Liabilities 15.0m) / Total Assets 3.20b |
| (B) -0.07 = Retained Earnings (Balance) -235.9m / Total Assets 3.20b |
| (C) 0.00 = EBIT TTM 13.2m / Avg Total Assets 3.23b |
| (D) 0.14 = Book Value of Equity 382.3m / Total Liabilities 2.83b |
| Total Rating: 0.10 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.91
| 1. Piotroski 2.50pt = -2.50 |
| 2. FCF Yield 13.66% = 5.0 |
| 3. FCF Margin 41.25% = 7.50 |
| 4. Debt/Equity 7.35 = -2.50 |
| 5. Debt/Ebitda 73.30 = -2.50 |
| 6. ROIC - WACC -2.18% = -2.73 |
| 7. RoE -1.30% = -0.22 |
| 8. Rev. Trend 45.57% = 2.28 |
| 9. Rev. CAGR 18.49% = 2.31 |
| 10. EPS Trend 70.53% = 1.76 |
| 11. EPS CAGR 29.71% = 2.50 |
What is the price of OPRT shares?
Over the past week, the price has changed by +10.17%, over one month by +6.44%, over three months by -0.75% and over the past year by +117.43%.
Is Oportun Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of OPRT is around 6.34 USD . This means that OPRT is currently overvalued and has a potential downside of -4.08%.
Is OPRT a buy, sell or hold?
- Strong Buy: 3
- Buy: 0
- Hold: 3
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the OPRT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 9.2 | 39.2% |
| Analysts Target Price | 9.1 | 37.4% |
| ValueRay Target Price | 6.7 | 1.2% |
Last update: 2025-08-20 02:49
OPRT Fundamental Data Overview
CCE Cash And Equivalents = 96.8m USD (Cash And Short Term Investments, last quarter)
P/E Forward = 6.9061
P/S = 0.3674
P/B = 0.7035
Beta = 1.236
Revenue TTM = 971.1m USD
EBIT TTM = 13.2m USD
EBITDA TTM = 37.7m USD
Long Term Debt = 2.75b USD (from longTermDebt, last quarter)
Short Term Debt = 15.0m USD (from shortTermDebt, last quarter)
Debt = 2.76b USD (Calculated: Short Term 15.0m + Long Term 2.75b)
Net Debt = -81.8m USD (from netDebt column, last quarter)
Enterprise Value = 2.93b USD (266.3m + Debt 2.76b - CCE 96.8m)
Interest Coverage Ratio = 0.05 (Ebit TTM 13.2m / Interest Expense TTM 246.4m)
FCF Yield = 13.66% (FCF TTM 400.6m / Enterprise Value 2.93b)
FCF Margin = 41.25% (FCF TTM 400.6m / Revenue TTM 971.1m)
Net Margin = -0.47% (Net Income TTM -4.61m / Revenue TTM 971.1m)
Gross Margin = 80.86% ((Revenue TTM 971.1m - Cost of Revenue TTM 185.8m) / Revenue TTM)
Tobins Q-Ratio = 7.67 (Enterprise Value 2.93b / Book Value Of Equity 382.3m)
Interest Expense / Debt = 2.15% (Interest Expense 59.5m / Debt 2.76b)
Taxrate = 31.96% (from quarterly Income Tax Expense: 3.23m / 10.1m)
NOPAT = 8.95m (EBIT 13.2m * (1 - 31.96%))
Current Ratio = 6.47 (Total Current Assets 96.8m / Total Current Liabilities 15.0m)
Debt / Equity = 7.35 (Debt 2.76b / last Quarter total Stockholder Equity 376.0m)
Debt / EBITDA = 73.30 (Net Debt -81.8m / EBITDA 37.7m)
Debt / FCF = 6.90 (Debt 2.76b / FCF TTM 400.6m)
Total Stockholder Equity = 355.9m (last 4 quarters mean)
RoA = -0.14% (Net Income -4.61m, Total Assets 3.20b )
RoE = -1.30% (Net Income TTM -4.61m / Total Stockholder Equity 355.9m)
RoCE = 0.42% (Ebit 13.2m / (Equity 355.9m + L.T.Debt 2.75b))
RoIC = 0.28% (NOPAT 8.95m / Invested Capital 3.15b)
WACC = 2.47% (E(266.3m)/V(3.03b) * Re(12.88%)) + (D(2.76b)/V(3.03b) * Rd(2.15%) * (1-Tc(0.32)))
Shares Correlation 5-Years: 100.0 | Cagr: 11.39%
Discount Rate = 12.88% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.31% ; FCFE base≈393.7m ; Y1≈485.6m ; Y5≈828.6m
Fair Price DCF = 159.1 (DCF Value 7.00b / Shares Outstanding 44.0m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 45.57 | Revenue CAGR: 18.49%
Rev Growth-of-Growth: -68.98
EPS Correlation: 70.53 | EPS CAGR: 29.71%
EPS Growth-of-Growth: 108.9
Additional Sources for OPRT Stock
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Fund Manager Positions: Dataroma | Stockcircle