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Oportun Financial Corp

Datakwaliteit: 100%
OPRT
NASDAQ Financial Services Nondepository Credit Institutions
€ 4,91
▲ € 0,07 (1,45%)
Marktkapitalisatie: 213,38 M
Prijs
€ 4,80
Marktkapitalisatie
213,38 M
Dagbereik
—
52-Weeksbereik
—
Volume
—
Openen —
50D / 200D Gem.
—
50D / 200D Gem.
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Quick Summary

Belangrijkste Punten

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

Groei

Revenue Growth (5Y)
11,15%
Boven sectorgemiddelde (5,76%)
Revenue (1Y)-4,50%
Earnings (1Y)N/A
FCF Growth (3Y)2,59%

Kwaliteit

Return on Equity
6,65%
Onder sectorgemiddelde (9,23%)
ROICN/A
Net Margin2,64%
Op. MarginN/A

Veiligheid

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

Waardering

PE (TTM|NTM|2027)
8,45 | 2,59 | 2,53
Onder sectorgemiddelde (11,11)
P/B Ratio0,56
EV/EBITDAN/A
Dividend YieldN/A

Koershistorie

Financiële Trends

Sectorvergelijking

vs Financial Services sector mediaan (2698 peers)
Metriek Aandeel Sector Mediaan
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

Koersdoel Analisten

6 analisten
Buy
Huidig
€ 4,91
+61.2%
Koersdoel
€ 7,92
€ 5,00
€ 7,75
€ 11,00
Vooruitzicht
Forward K/W 2,59
Forward WPA € 1,90
WPA Groei (sch.) +24,2%
Omzet Sch. 985,69 M

Winstschattingen

Periode WPA Sch. Omzet Sch. Analisten
FY2027 € 1,90
€ 1,53 – € 2,30
 985,69 M 7
FY2026 € 1,53
€ 1,38 – € 1,58
 944,00 M 7

Winstverassingen

Laatste 4 kwartalen
Kwartaal Geschat WPA Werkelijk WPA Verrassing
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 2,59
P/B Ratio 0,56 P/S Ratio 0,22
PEG Ratio N/A Forward PEG 0,11
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S 0,22 Fwd Earnings Yield 38,61%
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 — — — — —