A Business at a Glance
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Company Overview With intelligent borrowing, savings, and budgeting capabilities, Oportun empowers its members with the confidence to build a better financial future. We design our products to holistically address two of the most fundamental challenges to financial health and resilience - access to responsible and affordable credit, and adequate savings. Financial Health in America According to a January 2026 survey by Bankrate, more than half of all Americans do not have enough savings to cover an unplanned expense of $1,000. When presented with an unexpected expense they cannot postpone, like a car that won’t start when one needs to get to work, or a required medical procedure, most people lack adequate savings and will typically require access to credit in order to cover their immediate need.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 957M | 957M | 1.0B | 1.1B | 953M | 627M |
| Net Income | 25M | 25M | -79M | -180M | -78M | 47M |
| EPS | $0.53 | $0.53 | $-1.95 | $-4.88 | $-2.37 | $1.56 |
| Free Cash Flow | 413M | 413M | 394M | 393M | 242M | 151M |
| ROIC | 7.5% | 6.8% | -22.2% | -37.8% | -13.5% | 8.9% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.51 | 0.51 | 1.51 | 1.73 | 1.37 | 1.24 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 63M | 63M | 76M | 93M | 76M | 51M |
| Operating Margin | 6.6% | 6.6% | 7.6% | 8.8% | 8.0% | 8.1% |
| ROE | 6.5% | 6.8% | -22.2% | -37.8% | -13.5% | 8.9% |
| Shares Outstanding | 48M | 48M | 40M | 37M | 33M | 30M |
Oportun Financial Corp passes 3 of 9 quality checks, indicating weak fundamentals.
Oportun Financial Corp trades at 10.1x trailing earnings, compared to its 15-year median P/E of 13.2x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 0.6x vs a median of 0.7x. At current prices, the estimated annualized return to fair value is +6.8%.
Oportun Financial Corp (OPRT) has a current P/E ratio of 10.1, compared to its historical median P/E of 13.2. The stock is currently considered Fair based on its historical valuation range.
Oportun Financial Corp (OPRT) has a 5-year average return on invested capital (ROIC) of -11.6%. This is below average and may indicate limited pricing power.
Oportun Financial Corp (OPRT) has a market capitalization of $254M. It is classified as a small-cap stock.
Oportun Financial Corp (OPRT) does not currently pay a regular dividend.
Based on historical P/E analysis, Oportun Financial Corp (OPRT) appears fair. The current P/E of 10.1 is 24% below its historical median of 13.2. The estimated fair value CAGR (P/E method) is 20.0%.
Oportun Financial Corp (OPRT) operates in the Finance Services industry, within the Financials sector.
Oportun Financial Corp (OPRT) reported annual revenue of $957 million in its most recent fiscal year, based on SEC EDGAR filings.
Oportun Financial Corp (OPRT) has a net profit margin of 2.6%. This is a modest margin.
Oportun Financial Corp (OPRT) generated $413 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Oportun Financial Corp (OPRT) has a debt-to-equity ratio of 0.51. This indicates moderate leverage.
Oportun Financial Corp (OPRT) reported earnings per share (EPS) of $0.53 in its most recent fiscal year.
Oportun Financial Corp (OPRT) has a return on equity (ROE) of 6.8%. This indicates moderate shareholder returns.
The Ledger Terminal provides 9 years of financial data for Oportun Financial Corp (OPRT), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Oportun Financial Corp (OPRT) has a book value per share of $8.19, based on its most recent annual SEC filing.
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