Oportun Financial Corporation OPRT R2K

Financial Services · Credit Services · United States

Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.

Market & Price

Market Cap

$247.90M

Current Price

$5.42

High / Low (52W)

$7.69 / $4.13

Beta

1.31

Valuation

Stock P/E

14.65

Industry PE

12.01

Forward P/E

2.87

PEG Ratio

Book Value

$8.69

Price to Book

0.62

P/S

0.34

EV/EBITDA

Dividend Yield

Profitability & Returns

ROCE

ROE

4.68%

ROA

0.56%

Profit Margin

2.45%

Op Margin

2.52%

EPS (Latest Qtr)

$0.05

EPS (TTM)

$0.37

Balance Sheet & Liquidity

Debt/Equity

6.86

Quick Ratio

58.19

Current Ratio

60.01

Debt

$2.72B

Total Assets

$3.26B

Current Assets

Working Capital

Ownership

Promoter Holding

5.89%

Chg in Prom Hold

FII / Inst Holding

87.25%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$2.84B

Total Revenue (TTM)

$727.47M

EBITDA

Free Cash Flow

Operating Cash Flow

$416.16M

Shares Outstanding

45.74M

Gross Margin

95.12%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

-14.12%

Profit 5Y

44.16%

Revenue (YoY)

1.30%

Earnings (YoY)

-76.50%

PROS

Profit CAGR of 44.2% over 5 years.

CONS

Revenue declined at -14.1% CAGR over 5 years.
Trading 29.5% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	OPRT Oportun Financial Corporation R2K	5.42	14.65	$247.90M	-	-	4.68%	-14.12%	44.16%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	-	-	9.34M	7.21M	7.58M	6.88M	6.30M	6.23M	6.52M	5.44M	6.35M	105.83M	104.55M	105.05M	90.41M	94.89M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	57.40M	59.54M	56.62M	57.94M	47.98M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	13.16M	10.11M	14.24M	6.57M	3.56M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.39M	3.23M	9.05M	3.16M	1.22M
Net Income	38.37M	38.91M	20.84M	14.61M	13.79M	10.03M	-13.30M	-34.25M	-6.05M	3.02M	7.25M	22.98M	45.66M	-9.16M	-105.83M	-102.09M	-14.90M	-21.14M	-26.44M	-31.02M	-29.96M	9.77M	6.88M	5.20M	3.40M	2.35M
Diluted EPS	-	-	0.64	0.51	0.52	-6.39	-0.49	-1.26	-0.22	0.10	0.24	0.75	1.37	-0.28	-3.21	-3.00	-0.41	-0.55	-0.68	-0.78	-0.75	0.21	0.14	0.11	0.07	0.05

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	640.66M	280.67M	295.20M	405.84M
Cost of Revenue	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	93.05M	179.41M	238.16M	231.50M
Pretax Income	-	-	-	-	-	-75.29M	-253.65M	-115.18M	44.08M
Tax Provision	-	-	-	-	-	2.46M	-73.70M	-36.49M	18.83M
Net Income	-10.21M	123.39M	61.60M	-45.08M	-	-77.74M	-179.95M	-78.68M	25.25M
Diluted EPS	-4.22	4.47	0.40	-1.65	-	-2.37	-4.88	-1.95	0.53

Compounded Sales Growth

5 Years:	-14.12%
1 Year:	1.30%

Compounded Profit Growth

5 Years:	44.16%
1 Year:	-76.50%

Stock Price Performance

1 Year:	-18.50%
6 Months:	+9.27%
3 Months:	+4.63%
1 Month:	-6.39%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.74B	2.20B	2.01B	-	3.61B	3.41B	3.23B	3.26B
Current Assets	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	-	48.35M	70.47M	72.18M	136.19M	-	98.82M	91.19M	59.97M	105.53M
Inventory	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	20.92M	31.80M	-	-	-
Total Liabilities	-	-	1.39B	1.71B	1.54B	-	3.07B	3.01B	2.87B	2.87B
Current Liabilities	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	2.93B	2.91B	2.80B	2.80B
Total Debt	-	-	-	-	-	-	2.97B	2.94B	2.82B	2.81B
Total Equity	223.56M	-	346.55M	488.77M	466.63M	-	547.60M	404.40M	353.81M	390.08M
Shares Outstanding	-	-	-	-	-	-	33.63M	34.74M	36.38M	44.71M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	139.12M	138.37M	218.37M	152.87M	-	247.88M	392.76M	393.52M	413.41M
Investing Cash Flow	-343.39M	-471.43M	-497.68M	16.38M	-	-1.17B	-286.18M	-193.69M	-369.73M
Financing Cash Flow	230.69M	368.07M	286.27M	-136.80M	-	934.53M	-104.39M	-191.22M	-59.38M
Capital Expenditure	-8.55M	-14.56M	-8.88M	-4.83M	-	-48.89M	-31.26M	-19.19M	-24.33M
Free Cash Flow	130.57M	123.81M	209.50M	148.04M	-	198.98M	361.50M	374.33M	389.08M
Net Change in Cash	-	-	-	-	-	10.86M	2.20M	8.61M	-15.69M

Ratios (Annual)

Figures in %.

Metric	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-12.1%	-64.1%	-26.7%	6.2%
ROE %	-	35.6%	12.6%	-9.7%	-	-14.2%	-44.5%	-22.2%	6.5%
ROCE %	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

5.89%

Institutions

87.25%

Public Float

92.71%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Neuberger Berman Group, LLC	8.33%	3.81M	$20.65M
2	Forager Capital Management, LLC	7.35%	3.36M	$18.22M
3	Blackrock Inc.	6.73%	3.08M	$16.68M
4	Findell Capital Management LLC	6.01%	2.75M	$14.90M
5	Millennium Management Llc	4.93%	2.25M	$12.21M
6	Vanguard Capital Management LLC	3.56%	1.63M	$8.83M
7	Long Focus Capital Management, LLC	3.31%	1.52M	$8.22M
8	Dimensional Fund Advisors LP	2.98%	1.36M	$7.39M
9	Simcoe Capital LLC	2.19%	1.00M	$5.43M
10	Two Sigma Investments, LP	2.10%	961.64K	$5.21M

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Sector	Financial Services
Industry	Credit Services
Headquarters	United States
Employees	1,783
Website	https://oportun.com

Oportun Financial Corporation OPRT R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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