Oportun Financial Corporation (OPRT) is a publicly traded company in the Financial Services — Financial - Credit Services industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
This financial institution specializes in providing a range of monetary services, encompassing personal loans, vehicle financing, and credit card options. Customers can access their offerings through diverse channels, including digital platforms, over the phone, or by visiting their physical retail locations.
Analysis Summary
Oportun Financial Corporation reported revenue of $637.3M in the most recent fiscal year, growing at a 5-year CAGR of 10.1%.
Trailing-twelve-month margins: gross margin 70.2%, operating margin 5.8%, net margin 2.8%. Free cash flow grew at 24.3% CAGR over 5 years.
At the current price of $7.80, OPRT trades at a P/E of 20.88 and an ROE of 4.95%. Market capitalisation stands at $358M.
Balance sheet quality for OPRT: current ratio of 9.2, net debt of $2.71B. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $389.1M represents 1541% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $7.80 |
| Market Cap | $358M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 20.88 |
| Price / Book | 1.00 |
| EV / EBITDA | 37.15 |
| Dividend Yield | 0.00% |
Profitability
| Return on Equity | 4.95% |
| Return on Invested Capital | 0.62% |
| Return on Assets | 0.62% |
| Gross Margin | 70.20% |
| Operating Margin | 5.83% |
| Net Margin | 2.84% |
Financial Health
| Debt / Equity | 6.54 |
| Current Ratio | 17.70 |
| Piotroski F-Score | 8 |
| Altman Z-Score | 0.23 |
What to look at in Financial Services
Asset managers, brokers, fintech, exchanges. They are not banks — look at AUM, fees and FCF quality.
- 5y revenue growth — Without growth, there is no long-term value creation
- Operating margin — Good asset managers have >30% margins thanks to scalability
- ROE — Quality financial services have a consistent ROE >15%
- FCF / Net Income — Earnings quality — >90% expected in capital-light businesses
- Debt / Equity — Fintech and brokers with high D/E are time bombs in crises
- P/E vs own 5y — Asset managers have stable multiples in well-known ranges
- Dividend yield + buybacks — These businesses return a lot of capital — look at total yield (div + buybacks)
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| OPRT | Oportun Financial Corporation | $358M | 20.88 | 1.00 | 4.9% |
| V | Visa Inc. | $692.5B | 31.40 | 20.10 | 61.3% |
| 0R2Z.L | Mastercard Incorporated | $512.8B | 31.18 | 89.25 | 232.5% |
| MA | Mastercard Incorporated | $497.9B | 31.40 | 89.89 | 193.5% |
| AXP | American Express Company | $219.3B | 19.67 | 6.42 | 34.1% |
| 0HT4.L | Capital One Financial Corporation | $127.2B | 57.22 | 1.10 | 2.2% |
| COF | Capital One Financial Corporation | $124.7B | 12.28 | 1.08 | 9.3% |
| 0R3C.L | American Express Company | $112.9B | 19.67 | 6.42 | 34.1% |
Price Performance
| 1 month | +5.12% |
| 3 months | +51.16% |
| Year-to-date | +47.45% |
| 1 year | +14.71% |
| 3 years | +6.56% |
52-Week Range
| 52-week High | $8.30 |
| 52-week Low | $4.03 |
| Avg Volume (90d) | 505K |
Related companies: ANTA · CPSS · FOA · ISTR · JRVR · LPRO · MFIN
Explore sector: Financial Services · Financial - Credit Services
More sections of OPRT: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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