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Oportun Financial Corp

Data quality: 100%
OPRT
Nasdaq Financial Services Nondepository Credit Institutions
$4.91
▲ $0.07 (1.45%)
Mkt Cap: 213.38 M
Price
$4.80
Mkt Cap
213.38 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Revenue grew 11.15% annually over 5 years — strong growth
Generating 413.41 M in free cash flow
P/E of 8.45 — trading at a low valuation
Revenue growth is decelerating — 1Y growth trails 5Y average by 15.65%
Cash machine — converts 1637.52% of earnings into free cash flow

Growth

Revenue Growth (5Y)
11.15%
Above sector avg (5.83%)
Revenue (1Y)-4.50%
Earnings (1Y)N/A
FCF Growth (3Y)2.59%

Quality

Return on Equity
6.65%
Below sector avg (9.24%)
ROICN/A
Net Margin2.64%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM|2027)
8.45 | 2.53
Below sector avg (11.14)
P/B Ratio0.56
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2607 peers)
Metric Stock Sector Median
P/E 8.5 11.1
P/B 0.6 1.2
ROE % 6.7 9.2
Net Margin % 2.6 9.4
Rev Growth 5Y % 11.2 5.8
D/E — 0.5

Analyst Price Target

6 analysts
Buy
Current
$4.91
+61.2%
Target
$7.92
$5.00
$7.75
$11.00
Forecast
Forward P/E 2.59
Forward EPS $1.90
EPS Growth (est.) +24.2%
Est. Revenue 985.69 M

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2027 $1.90
$1.53 – $2.30
 985.69 M 7
FY2026 $1.53
$1.38 – $1.58
 944.00 M 7

Earnings Surprises

Last 4 quarters
Quarter Est. EPS Actual EPS Surprise
Q42025 $0.25 $0.27 +10.2%
Q32025 $0.27 $0.39 +43.7%
Q22025 $0.22 $0.31 +40.0%
Q12025 $0.08 $0.40 +390.6%

ETFs Holding This Stock

BRSIX BRSIX
0.39% weight
BPSIX BPSIX
0.33% weight
BPSCX BPSCX
0.33% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0.06% weight
VYSVX VYSVX
0.03% weight
AVSCX AVSCX
0.03% weight
BOSVX BOSVX
0.03% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0.03% weight
GSITX GSITX
0.02% weight
GSCTX GSCTX
0.02% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) -4.50% Revenue Growth (3Y) -4.86%
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) 11.15% Earnings Growth (5Y) -14.58%
Profitability
Revenue (TTM) 956.69 M Net Income (TTM) 25.25 M
ROE 6.65% ROA 0.79%
Gross Margin N/A Operating Margin N/A
Net Margin 2.64% Free Cash Flow (TTM) 413.41 M
ROIC N/A FCF Growth (3Y) 2.59%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.30
Working Capital N/A Tangible Book Value 367.61 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 8.45 Forward P/E N/A
P/B Ratio 0.56 P/S Ratio 0.22
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 193.74%
Market Cap 213.38 M Enterprise Value 108.77 M
Per Share
EPS (Diluted TTM) 0.53 Revenue / Share 21.50
FCF / Share 9.29 OCF / Share 9.29
EPS CAGR (1Y) N/A EPS CAGR (5Y) -23.65%
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue N/A FCF Conversion 1637.52%
SBC-Adj. FCF 402.17 M Growth Momentum -15.65

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 956.69 M 1.00 B 1.06 B 952.55 M 626.78 M
Net Income 25.25 M -78.68 M -179.95 M -77.74 M 47.41 M
EPS (Diluted) 0.53 -1.95 -4.88 -2.37 1.56
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses 33.98 M 53.22 M 72.39 M 58.84 M 37.48 M
D&A — — — — —
Interest Expense — — — — —
Income Tax 18.83 M -36.50 M -73.70 M 2.46 M 15.38 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 3.26 B 3.23 B 3.41 B 3.61 B 2.95 B
Total Liabilities 2.87 B 2.87 B 3.01 B 3.07 B 2.34 B
Shareholders' Equity 390.08 M 353.81 M 404.40 M 547.60 M 603.88 M
Total Debt — — — — —
Cash & Equivalents 105.53 M 59.97 M 91.19 M 98.82 M 130.96 M
Current Assets — — — — —
Current Liabilities — — — — —