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	Apr '26 Apr 27, 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	263	235	140	135	184	648
Market Cap Growth	59.05%	67.77%	3.96%	-26.67%	-71.64%	20.88%
Enterprise Value	2,969	2,881	1,634	2,867	2,946	2,663
Last Close Price	5.92	5.29	3.88	3.91	5.51	20.25
PE Ratio	10.89	9.98	-1.99	-0.80	-2.32	12.98
Forward PE	3.78	3.92	4.96	15.92	3.53	8.27
PEG Ratio	-	0.14	0.14	0.14	0.14	0.14
PS Ratio	0.36	0.25	0.14	0.13	0.19	1.03
PB Ratio	0.66	0.60	0.40	0.33	0.34	1.07
P/TBV Ratio	0.73	649.02	442.56	0.36	0.33	1.02
P/FCF Ratio	0.63	0.57	0.36	0.34	0.74	3.97
P/OCF Ratio	0.63	0.57	0.36	0.34	0.74	3.97
EV/Sales Ratio	4.09	3.01	1.63	2.71	3.09	4.25
EV/EBITDA Ratio	-	33.70	-25.52	-14.43	-106.15	29.62
EV/EBIT Ratio	-	65.35	-14.19	-11.30	-39.13	42.40
EV/FCF Ratio	7.18	6.97	4.15	7.30	11.89	16.29
Debt / Equity Ratio	7.21	7.21	4.92	7.27	5.42	3.66
Debt / EBITDA Ratio	32.88	32.88	-27.21	-14.78	-106.87	24.55
Debt / FCF Ratio	6.80	6.80	4.43	7.48	11.97	13.51
Net Debt / Equity Ratio	6.78	6.78	4.22	6.76	5.04	3.34
Net Debt / EBITDA Ratio	30.95	30.95	-23.33	-13.75	-99.53	22.41
Net Debt / FCF Ratio	6.40	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	53.50	53.50	59.52	45.96	33.78	19.21
Current Ratio	55.33	55.33	62.22	47.52	34.42	19.75
Return on Equity (ROE)	6.79%	6.79%	-20.75%	-37.80%	-13.50%	8.86%
Return on Assets (ROA)	0.78%	0.78%	-2.37%	-5.12%	-2.37%	1.91%
Return on Invested Capital (ROIC)	0.83%	0.83%	-2.54%	-5.44%	-2.52%	2.06%
Return on Capital Employed (ROCE)	1.38%	1.38%	-3.53%	-7.40%	-2.38%	2.65%
Earnings Yield	9.62%	10.02%	-50.26%	-124.81%	-43.01%	7.70%
FCF Yield	157.59%	175.87%	280.86%	291.43%	134.87%	25.22%
Buyback Yield / Dilution	-18.59%	-18.59%	-109337.03%	-12.34%	-8.25%	-10.94%
Total Shareholder Return	-18.59%	-18.59%	-109337.03%	-12.34%	-8.25%	-10.94%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q