Oportun Financial Corporation (OPRT)

Oportun Financial Statistics

Total Valuation

OPRT has a market cap or net worth of $226.43 million. The enterprise value is $2.88 billion.

Market Cap	226.43M
Enterprise Value	2.88B

Important Dates

The next estimated earnings date is Tuesday, November 11, 2025, after market close.

Earnings Date	Nov 11, 2025
Ex-Dividend Date	n/a

Share Statistics

OPRT has 44.01 million shares outstanding. The number of shares has increased by 12.37% in one year.

Current Share Class	44.01M
Shares Outstanding	44.01M
Shares Change (YoY)	+12.37%
Shares Change (QoQ)	+1.82%
Owned by Insiders (%)	6.75%
Owned by Institutions (%)	69.28%
Float	31.67M

Valuation Ratios

PE Ratio	n/a
Forward PE	3.89
PS Ratio	0.31
Forward PS	0.23
PB Ratio	0.60
P/TBV Ratio	0.76
P/FCF Ratio	0.56
P/OCF Ratio	0.56
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	3.97
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	7.10

Financial Position

The company has a current ratio of 51.74, with a Debt / Equity ratio of 7.35.

Current Ratio	51.74
Quick Ratio	49.31
Debt / Equity	7.35
Debt / EBITDA	n/a
Debt / FCF	6.82
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is -1.25%.

Return on Equity (ROE)	-1.25%
Return on Assets (ROA)	-0.14%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$298,377
Profits Per Employee	-$1,883
Employee Count	2,429
Asset Turnover	0.22
Inventory Turnover	n/a

Taxes

Income Tax	-7.71M
Effective Tax Rate	n/a

Stock Price Statistics

The stock price has increased by +98.45% in the last 52 weeks. The beta is 1.31, so OPRT's price volatility has been higher than the market average.

Beta (5Y)	1.31
52-Week Price Change	+98.45%
50-Day Moving Average	6.23
200-Day Moving Average	5.92
Relative Strength Index (RSI)	24.54
Average Volume (20 Days)	639,014

Short Selling Information

The latest short interest is 2.57 million, so 5.85% of the outstanding shares have been sold short.

Short Interest	2.57M
Short Previous Month	2.36M
Short % of Shares Out	5.85%
Short % of Float	8.12%
Short Ratio (days to cover)	3.77

Income Statement

In the last 12 months, OPRT had revenue of $724.76 million and -$4.57 million in losses. Loss per share was -$0.11.

Revenue	724.76M
Gross Profit	688.81M
Operating Income	26.70M
Pretax Income	-12.29M
Net Income	-4.57M
EBITDA	n/a
EBIT	n/a
Loss Per Share	-$0.11

Balance Sheet

The company has $111.04 million in cash and $2.76 billion in debt, giving a net cash position of -$2.65 billion or -$60.27 per share.

Cash & Cash Equivalents	111.04M
Total Debt	2.76B
Net Cash	-2.65B
Net Cash Per Share	-$60.27
Equity (Book Value)	375.99M
Book Value Per Share	8.54
Working Capital	2.96B

Cash Flow

Operating Cash Flow	405.42M
Capital Expenditures	n/a
Free Cash Flow	405.42M
FCF Per Share	$9.21

Margins

Gross margin is 95.04%, with operating and profit margins of 3.68% and -0.63%.

Gross Margin	95.04%
Operating Margin	3.68%
Pretax Margin	-1.70%
Profit Margin	-0.63%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	55.94%

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	-12.37%
Shareholder Yield	-12.37%
Earnings Yield	-2.03%
FCF Yield	179.92%

Analyst Forecast

The average price target for OPRT is $6.00, which is 16.62% higher than the current price. The consensus rating is "Sell".

Price Target	$6.00
Price Target Difference	16.62%
Analyst Consensus	Sell
Analyst Count	2
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	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	n/a
Graham Upside	n/a

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	3