(OPRT) Oportun Financial - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NASDAQ (USA) | Market Cap: 249m USD | Total Return: -14.4% in 12m
Avg Turnover: 2.10M
Qual. Beats: 0
Rev. Trend: 73.8%
Qual. Beats: 0
Warnings
Choppy
Tailwinds
No distinct edge detected
Oportun Financial Corporation (OPRT) is a San Mateo-based consumer finance company that provides personal loans and credit cards to underserved populations in the United States. Established in 2005, the firm utilizes a multi-channel distribution model encompassing digital platforms, telephonic services, and retail partnerships under a Lending-as-a-Service (LaaS) framework.
The company operates within the alternative credit sector, often leveraging proprietary risk-scoring models to evaluate borrowers with limited traditional credit histories. This business model relies on high-frequency data points to mitigate default risks inherent in subprime and near-prime lending. For a more granular look at these risk metrics, ValueRay offers additional analytical tools.
Oportun’s strategy focuses on financial inclusion, targeting the estimated 100 million people in the U.S. who are excluded from mainstream banking due to a lack of a credit score. By integrating with retail partners, the company scales its customer acquisition without the overhead costs associated with traditional bank branch networks.
- Net interest income growth depends on credit performance of underbanked borrower segment
- Federal interest rate pivots impact cost of funds and loan pricing margins
- Strategic pivot toward personal loans increases reliance on unsecured credit risk
- Regulatory scrutiny of high-interest lending practices threatens long-term fee structures
- Operating leverage improves as company transitions toward fully digital loan origination model
| Net Income: 17.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.51 > 1.0 |
| NWC/Revenue: 33.30% < 20% (prev 12.00%; Δ 21.31% < -1%) |
| CFO/TA 0.13 > 3% & CFO 416.2m > Net Income 17.9m |
| Net Debt (2.52b) to EBITDA (73.9m): 34.17 < 3 |
| Current Ratio: 47.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (48.5m) vs 12m ago 3.11% < -2% |
| Gross Margin: 64.00% > 18% (prev 0.57%; Δ 6.34k% > 0.5%) |
| Asset Turnover: 19.30% > 50% (prev 17.45%; Δ 1.85% > 0%) |
| Interest Coverage Ratio: 0.16 > 6 (EBITDA TTM 73.9m / Interest Expense TTM 222.1m) |
| A: 0.06 (Total Current Assets 209.9m - Total Current Liabilities 4.44m) / Total Assets 3.17b |
| B: -0.07 (Retained Earnings -224.9m / Total Assets 3.17b) |
| C: 0.01 (EBIT TTM 34.5m / Avg Total Assets 3.20b) |
| D: -0.08 (Book Value of Equity -224.9m / Total Liabilities 2.77b) |
| Altman-Z'' = 0.18 = B |
As of May 26, 2026, the stock is trading at USD 5.45 with a total of 278,700 shares traded.
Over the past week, the price has changed by +3.81%,
over one month by -7.78%,
over three months by -1.09% and
over the past year by -14.44%.
Oportun Financial has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy OPRT.
- StrongBuy: 3
- Buy: 0
- Hold: 3
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 8.5 | 56% |
P/E Trailing = 14.7297
P/E Forward = 4.8239
P/S = 0.3427
P/B = 0.629
Revenue TTM = 616.9m USD
EBIT TTM = 34.5m USD
EBITDA TTM = 73.9m USD
Long Term Debt = 2.71b USD (from longTermDebt, last quarter)
Short Term Debt = 4.44m USD (from shortTermDebt, last quarter)
Debt = 2.73b USD (from shortLongTermDebtTotal, last quarter) + Leases 11.4m
Net Debt = 2.52b USD (calculated: Debt 2.73b - CCE 209.9m)
Enterprise Value = 2.77b USD (249.3m + Debt 2.73b - CCE 209.9m)
Interest Coverage Ratio = 0.16 (Ebit TTM 34.5m / Interest Expense TTM 222.1m)
EV/FCF = 62.02x (Enterprise Value 2.77b / FCF TTM 44.7m)
FCF Yield = 1.61% (FCF TTM 44.7m / Enterprise Value 2.77b)
FCF Margin = 7.25% (FCF TTM 44.7m / Revenue TTM 616.9m)
Net Margin = 2.90% (Net Income TTM 17.9m / Revenue TTM 616.9m)
Gross Margin = 64.00% ((Revenue TTM 616.9m - Cost of Revenue TTM 222.1m) / Revenue TTM)
Gross Margin QoQ = 66.39% (prev 60.94%)
Tobins Q-Ratio = 0.88 (Enterprise Value 2.77b / Total Assets 3.17b)
Interest Expense / Debt = 8.13% (Interest Expense 222.1m / Debt 2.73b)
Taxrate = 33.33% (1.20m / 3.60m)
NOPAT = 23.0m (EBIT 34.5m * (1 - 33.33%))
Current Ratio = 10.14 (Total Current Assets 209.9m / Total Current Liabilities 20.7m)
Debt / Equity = 6.90 (Debt 2.73b / totalStockholderEquity, last quarter 396.3m)
Debt / EBITDA = 34.17 (Net Debt 2.52b / EBITDA 73.9m)
Debt / FCF = 56.44 (Net Debt 2.52b / FCF TTM 44.7m)
Total Stockholder Equity = 386.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 17.9m / Total Assets 3.17b)
RoE = 2.92% (Net Income TTM 17.9m / Total Stockholder Equity 611.5m)
RoCE = 1.04% (EBIT 34.5m / Capital Employed (Equity 611.5m + L.T.Debt 2.71b))
RoIC = 0.73% (NOPAT 23.0m / Invested Capital 3.14b)
WACC = 6.08% (E(249.3m)/V(2.98b) * Re(13.36%) + D(2.73b)/V(2.98b) * Rd(8.13%) * (1-Tc(0.33)))
Discount Rate = 13.36% (= CAPM, Blume Beta Adj.) -> capped to 13.17%
Shares (quarterly) Correlation: 95.56 | Cagr: 10.83%
[DCF] Terminal Value 75.44% ; FCFF base≈44.7m ; Y1≈44.9m ; Y5≈47.6m
[DCF] Fair Price = N/A (negative equity: EV 739.7m - Net Debt 2.52b = -1.78b; debt exceeds intrinsic value)
EPS Correlation: N/A | EPS CAGR: N/A | SUE: -0.57 | # QB: 0
Revenue Correlation: 73.77 | Revenue CAGR: 9.50% | SUE: -0.60 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.38 | Chg30d=-2.22% | Revisions=-11% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.47 | Chg30d=-0.83% | Revisions=+0% | Analysts=6
EPS current Year (2026-12-31): EPS=1.56 | Chg30d=+1.98% | Revisions=+14% | GrowthEPS=+14.6% | GrowthRev=-1.4%
EPS next Year (2027-12-31): EPS=1.89 | Chg30d=-0.57% | Revisions=-25% | GrowthEPS=+21.1% | GrowthRev=+4.8%
[Analyst] Revisions Ratio: -25%