Oportun Financial Statistics
Total Valuation
OPRT has a market cap or net worth of $206.08 million. The enterprise value is $2.83 billion.
Important Dates
The last earnings date was Tuesday, November 4, 2025, after market close.
| Earnings Date | Nov 4, 2025 |
| Ex-Dividend Date | n/a |
Share Statistics
OPRT has 44.13 million shares outstanding. The number of shares has increased by 18.32% in one year.
| Current Share Class | 44.13M |
| Shares Outstanding | 44.13M |
| 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 7.07 and the forward PE ratio is 3.38.
| PE Ratio | 7.07 |
| Forward PE | 3.38 |
| PS Ratio | 0.30 |
| Forward PS | 0.21 |
| PB Ratio | 0.54 |
| P/TBV Ratio | 0.67 |
| P/FCF Ratio | 0.52 |
| P/OCF Ratio | 0.52 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 92.67 |
| EV / Sales | 3.98 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.16 |
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 | 6.93 |
| 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 | $293,381 |
| Profits Per Employee | $12,590 |
| Employee Count | 2,429 |
| Asset Turnover | 0.22 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OPRT has paid $10.84 million in taxes.
| Income Tax | 10.84M |
| Effective Tax Rate | 26.17% |
Stock Price Statistics
The stock price has increased by +49.84% in the last 52 weeks. The beta is 1.24, so OPRT's price volatility has been higher than the market average.
| Beta (5Y) | 1.24 |
| 52-Week Price Change | +49.84% |
| 50-Day Moving Average | 5.57 |
| 200-Day Moving Average | 6.07 |
| Relative Strength Index (RSI) | 36.58 |
| Average Volume (20 Days) | 517,205 |
Short Selling Information
The latest short interest is 1.82 million, so 4.12% of the outstanding shares have been sold short.
| Short Interest | 1.82M |
| Short Previous Month | 2.13M |
| Short % of Shares Out | 4.12% |
| Short % of Float | 6.07% |
| Short Ratio (days to cover) | 3.17 |
Income Statement
In the last 12 months, OPRT had revenue of $712.62 million and earned $30.58 million in profits. Earnings per share was $0.66.
| Revenue | 712.62M |
| Gross Profit | 677.36M |
| Operating Income | 25.73M |
| Pretax Income | 41.42M |
| Net Income | 30.58M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.66 |
Full Income StatementBalance Sheet
The company has $115.93 million in cash and $2.74 billion in debt, giving a net cash position of -$2.63 billion or -$59.55 per share.
| Cash & Cash Equivalents | 115.93M |
| Total Debt | 2.74B |
| Net Cash | -2.63B |
| Net Cash Per Share | -$59.55 |
| Equity (Book Value) | 383.85M |
| Book Value Per Share | 8.71 |
| Working Capital | 2.96B |
Full Balance SheetCash Flow
| Operating Cash Flow | 395.99M |
| Capital Expenditures | n/a |
| Free Cash Flow | 395.99M |
| FCF Per Share | $8.97 |
Full Cash Flow StatementMargins
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 | 55.57% |
Dividends & Yields
OPRT 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 | 14.84% |
| FCF Yield | 192.15% |
Analyst Forecast
The average price target for OPRT is $6.00, which is 28.76% higher than the current price. The consensus rating is "Sell".
| Price Target | $6.00 |
| Price Target Difference | 28.76% |
| Analyst Consensus | Sell |
| Analyst Count | 2 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 |
