Oportun Financial Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 24, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	257	235	140	135	184	648
Market Cap Growth	-11.69%	67.77%	3.96%	-26.67%	-71.64%	20.88%
Enterprise Value	2,844	2,881	1,634	2,867	2,946	2,663
Last Close Price	5.59	5.29	3.88	3.91	5.51	20.25
PE Ratio	15.05	9.98	-	-	-	12.98
Forward PE	3.26	3.92	4.96	15.92	3.53	8.27
PEG Ratio	-	0.14	0.14	0.14	0.14	0.14
PS Ratio	0.35	0.25	0.14	0.13	0.19	1.03
PB Ratio	0.64	0.60	0.40	0.33	0.34	1.07
P/TBV Ratio	0.83	795.18	585.96	0.50	0.44	1.67
P/FCF Ratio	0.62	0.57	0.36	0.34	0.74	3.97
P/OCF Ratio	0.62	0.57	0.36	0.34	0.74	3.97
EV/Sales Ratio	3.91	3.01	1.63	2.71	3.09	4.25
EV/EBITDA Ratio	38.53	33.70	-	-	-	29.62
EV/EBIT Ratio	82.49	65.35	-	-	-	42.40
EV/FCF Ratio	6.83	6.97	4.15	7.30	11.89	16.29
Debt / Equity Ratio	6.86	7.21	4.92	7.27	5.42	3.66
Debt / EBITDA Ratio	36.81	32.88	-	-	-	24.55
Debt / FCF Ratio	6.53	6.80	4.43	7.48	11.97	13.51
Net Debt / Equity Ratio	6.33	6.78	4.22	6.76	5.04	3.34
Net Debt / EBITDA Ratio	33.97	30.95	-23.33	-13.75	-99.53	22.41
Net Debt / FCF Ratio	6.03	6.40	3.80	6.96	11.14	12.33
Asset Turnover	0.30	0.30	0.30	0.30	0.29	0.25
Quick Ratio	55.62	53.50	59.52	45.96	33.78	19.21
Current Ratio	57.60	55.33	62.22	47.52	34.42	19.75
Return on Equity (ROE)	4.53%	6.79%	-20.75%	-37.80%	-13.50%	8.86%
Return on Assets (ROA)	0.34%	0.78%	-2.37%	-5.12%	-2.37%	1.91%
Return on Invested Capital (ROIC)	0.37%	1.03%	-3.16%	-5.58%	-2.62%	2.17%
Return on Capital Employed (ROCE)	1.09%	1.38%	-3.53%	-7.40%	-2.38%	2.65%
Earnings Yield	6.94%	10.02%	-	-	-	7.70%
FCF Yield	162.02%	175.87%	280.86%	291.43%	134.87%	25.22%
Buyback Yield / Dilution	-14.80%	-18.59%	-109337.25%	-12.34%	-8.25%	-10.94%
Total Shareholder Return	-14.80%	-18.59%	-109337.25%	-12.34%	-8.25%	-10.94%

SEC Filings: 10-K · 10-Q