Oportun Financial Corporation (FRA:4L0)

Oportun Financial Statistics

Total Valuation

FRA:4L0 has a market cap or net worth of EUR 194.35 million.

Market Cap	194.35M
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, February 20, 2026.

Earnings Date	Feb 20, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	44.13M
Shares Outstanding	n/a
Shares Change (YoY)	+18.32%
Shares Change (QoQ)	+0.87%
Owned by Insiders (%)	6.73%
Owned by Institutions (%)	69.28%
Float	29.99M

Valuation Ratios

The trailing PE ratio is 7.46 and the forward PE ratio is 3.16.

PE Ratio	7.46
Forward PE	3.16
PS Ratio	0.32
PB Ratio	0.59
P/TBV Ratio	0.74
P/FCF Ratio	n/a
P/OCF Ratio	0.58
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 53.48, with a Debt / Equity ratio of 7.15.

Current Ratio	53.48
Quick Ratio	51.19
Debt / Equity	7.15
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.60%.

Return on Equity (ROE)	8.60%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	256,166
Profits Per Employee	10,993
Employee Count	2,429
Asset Turnover	0.22
Inventory Turnover	n/a

Taxes

In the past 12 months, FRA:4L0 has paid 9.24 million in taxes.

Income Tax	9.24M
Effective Tax Rate	26.17%

Stock Price Statistics

The stock price has increased by +22.91% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+22.91%
50-Day Moving Average	4.61
200-Day Moving Average	5.28
Relative Strength Index (RSI)	52.16
Average Volume (20 Days)	33

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	3.19

Income Statement

In the last 12 months, FRA:4L0 had revenue of EUR 607.37 million and earned 26.06 million in profits. Earnings per share was 0.56.

Revenue	607.37M
Gross Profit	577.32M
Operating Income	21.93M
Pretax Income	35.30M
Net Income	26.06M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.56

Balance Sheet

The company has 98.80 million in cash and 2.34 billion in debt, giving a net cash position of -2.24 billion.

Cash & Cash Equivalents	98.80M
Total Debt	2.34B
Net Cash	-2.24B
Net Cash Per Share	n/a
Equity (Book Value)	327.16M
Book Value Per Share	7.42
Working Capital	2.52B

Cash Flow

Operating Cash Flow	337.50M
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross margin is 95.05%, with operating and profit margins of 3.61% and 4.29%.

Gross Margin	95.05%
Operating Margin	3.61%
Pretax Margin	5.81%
Profit Margin	4.29%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

FRA:4L0 does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-18.32%
Shareholder Yield	-18.32%
Earnings Yield	13.41%
FCF Yield	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	6