Oportun Financial Statistics
Total Valuation
OPRT has a market cap or net worth of $206.48 million. The enterprise value is $2.91 billion.
Important Dates
The next estimated earnings date is Thursday, May 7, 2026, after market close.
| Earnings Date | May 7, 2026 |
| Ex-Dividend Date | n/a |
Share Statistics
OPRT has 44.50 million shares outstanding. The number of shares has increased by 18.59% in one year.
| Current Share Class | 44.50M |
| Shares Outstanding | 44.50M |
| Shares Change (YoY) | +18.59% |
| Shares Change (QoQ) | -0.28% |
| Owned by Insiders (%) | 6.54% |
| Owned by Institutions (%) | 62.79% |
| Float | 28.00M |
Valuation Ratios
The trailing PE ratio is 8.75 and the forward PE ratio is 3.00.
| PE Ratio | 8.75 |
| Forward PE | 3.00 |
| PS Ratio | 0.28 |
| Forward PS | 0.21 |
| PB Ratio | 0.53 |
| P/TBV Ratio | 0.65 |
| P/FCF Ratio | 0.50 |
| P/OCF Ratio | 0.50 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 115.39 |
| EV / Sales | 4.02 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 7.05 |
Financial Position
The company has a current ratio of 6.48, with a Debt / Equity ratio of 7.21.
| Current Ratio | 6.48 |
| Quick Ratio | 6.26 |
| Debt / Equity | 7.21 |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.80 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 6.79% and return on invested capital (ROIC) is 0.69%.
| Return on Equity (ROE) | 6.79% |
| Return on Assets (ROA) | 0.78% |
| Return on Invested Capital (ROIC) | 0.69% |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 0.71% |
| Revenue Per Employee | $291,472 |
| Profits Per Employee | $10,147 |
| Employee Count | 2,488 |
| Asset Turnover | 0.22 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, OPRT has paid $18.83 million in taxes.
| Income Tax | 18.83M |
| Effective Tax Rate | 42.72% |
Stock Price Statistics
The stock price has decreased by -24.80% in the last 52 weeks. The beta is 1.12, so OPRT's price volatility has been higher than the market average.
| Beta (5Y) | 1.12 |
| 52-Week Price Change | -24.80% |
| 50-Day Moving Average | 5.11 |
| 200-Day Moving Average | 5.74 |
| Relative Strength Index (RSI) | 45.73 |
| Average Volume (20 Days) | 681,276 |
Short Selling Information
The latest short interest is 1.26 million, so 2.82% of the outstanding shares have been sold short.
| Short Interest | 1.26M |
| Short Previous Month | 1.57M |
| Short % of Shares Out | 2.82% |
| Short % of Float | 4.49% |
| Short Ratio (days to cover) | 2.58 |
Income Statement
In the last 12 months, OPRT had revenue of $725.18 million and earned $25.25 million in profits. Earnings per share was $0.53.
| Revenue | 725.18M |
| Gross Profit | 690.39M |
| Operating Income | 37.87M |
| Pretax Income | 44.08M |
| Net Income | 25.25M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $0.53 |
Full Income StatementBalance Sheet
The company has $104.28 million in cash and $2.81 billion in debt, with a net cash position of -$2.71 billion or -$60.82 per share.
| Cash & Cash Equivalents | 104.28M |
| Total Debt | 2.81B |
| Net Cash | -2.71B |
| Net Cash Per Share | -$60.82 |
| Equity (Book Value) | 390.08M |
| Book Value Per Share | 8.78 |
| Working Capital | 2.61B |
Full Balance SheetCash Flow
| Operating Cash Flow | 413.41M |
| Capital Expenditures | n/a |
| Depreciation & Amortization | 1.81M |
| Net Borrowing | -55.72M |
| Free Cash Flow | 413.41M |
| FCF Per Share | $9.29 |
Full Cash Flow StatementMargins
Gross margin is 95.20%, with operating and profit margins of 5.22% and 3.48%.
| Gross Margin | 95.20% |
| Operating Margin | 5.22% |
| Pretax Margin | 6.08% |
| Profit Margin | 3.48% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 57.01% |
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 | -18.59% |
| Shareholder Yield | -18.59% |
| Earnings Yield | 12.23% |
| FCF Yield | 200.22% |
Analyst Forecast
The average price target for OPRT is $7.25, which is 56.25% higher than the current price. The consensus rating is "Buy".
| Price Target | $7.25 |
| Price Target Difference | 56.25% |
| Analyst Consensus | Buy |
| 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 | 5 |
