Valuation dashboard for Oportun Financial Corporation (OPRT) with P/E 20.88, P/B 1.00, EV/EBITDA 37.15 and dividend yield 0.00%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
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%.
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. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 20.88 |
| Price / Book | 1.00 |
| EV / EBITDA | 37.15 |
| Dividend Yield | 0.00% |
Valuation Models
| DCF Fair Value | $-83.23 |
| vs Current Price | -1167.1% |
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
| Price | $7.80 |
| Market Cap | $358M |
| Exchange | NASDAQ |
| Country | US |
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% |
Related companies: ANTA · CPSS · FOA · ISTR · JRVR · LPRO · MFIN
Explore sector: Financial Services · Financial - Credit Services
More sections of OPRT: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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