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    • Oportun Financial Corporation logo

    Oportun Financial Corporation

    OPRT | NASDAQ
    Chart Builder DCF Calculator
    $8.12
    -$0.20 (-2.40%)
    Sep 22, 2026, 2:33 PM ET · Market open
    Overview Rating Statistics Financials Earnings Analysts Ownership Profile

    Market Data

    Market Cap
    $381.91M
    Enterprise Value
    $2.9B
    Beta
    1.25
    Average Volume
    499.23K
    Shares Outstanding (Diluted)
    48.95M
    Shares Change YoY
    2.21%
    Institutional Ownership
    72.45%
    Exchange
    NASDAQ
    ISIN
    US68376D1046

    Price Performance

    Price Change 1M
    10.9%
    Price Change 3M
    49.9%
    Price Change 6M
    79.3%
    Price Change YTD
    64.4%
    Price Change 1Y
    19.2%
    Price Change 3Y
    16.2%
    Price Change 5Y
    -66.3%
    1M CAGR (ann.)
    2.8%
    1Y CAGR (ann.)
    17.4%
    5Y CAGR (ann.)
    -19.4%
    All-Time CAGR
    -9.1%

    Valuation

    PE Ratio
    20.80
    Forward PE
    3.78
    PEG Ratio
    0.09
    Forward PEG
    0.82
    PS Ratio
    0.56
    Forward PS
    0.40
    PB Ratio
    0.94
    P/FCF Ratio
    0.93
    P/Adj. FCF Ratio
    0.94
    P/OCF Ratio
    0.97
    EV/Sales
    4.23
    EV/EBIT
    72.60
    EV/EBITDA
    37.41
    EV/FCF
    7.11
    Earnings Yield
    4.8%
    FCF Yield
    107.0%
    Adj. FCF Yield
    106.3%

    Financial Health

    Net Debt
    $2.52B
    Total Debt
    $2.66B
    Cash & Short-Term Investments
    $139.6M
    Total Assets
    $3.13B
    Current Ratio
    17.70
    Quick Ratio
    17.70
    Debt / Equity Ratio
    6.54
    Debt / EBITDA
    34.29
    Debt / FCF
    6.52
    OCF / Debt
    0.16
    Interest Coverage
    0.20
    Altman Z-Score
    0.33
    Piotroski F-Score
    8

    Margins & Profitability

    Gross Profit Margin
    70.2%
    Operating Profit Margin
    5.8%
    EBITDA Margin
    11.3%
    Net Profit Margin
    2.8%
    FCF Margin
    59.6%
    Adj. FCF Margin
    59.2%
    SBC / Revenue
    0.4%
    SBC Impact (per share)
    -0.6%

    Returns

    Return on Assets
    0.6%
    Return on Equity
    5.0%
    Return on Invested Capital
    0.6%
    Return on Capital Employed
    1.3%
    Return on Tangible Assets
    0.6%

    Historical Growth (CAGR)

    Revenue CAGR 3Y
    7.2%
    Revenue CAGR 5Y
    6.9%
    Revenue CAGR 10Y
    12.6%
    EPS CAGR 3Y
    181.0%
    EPS CAGR 5Y
    -0.5%
    EPS CAGR 10Y
    5.5%
    FCF CAGR 3Y
    11.9%
    FCF CAGR 5Y
    36.4%
    FCF CAGR 10Y
    21.3%

    Analyst Forecasts

    Analyst Rating
    Hold
    Analyst Count
    9
    EPS Growth Next 3Y
    N/A
    Revenue Growth Next 3Y
    N/A
    Earnings Date
    Nov 2, 2026
    EPS Estimate (next Q)
    $0.43
    EPS Growth Est (next Q)
    10.3%
    Revenue Est (next Q)
    $237.24M
    Revenue Growth Est (next Q)
    46.7%

    Fair Value Estimates

    Graham Number
    $8.65
    Graham Upside
    4.0%
    Lynch Fair Value
    $2
    Lynch Upside
    -76.0%
    Price Target
    $8
    Price Target Upside
    -3.8%

    Cash Flow

    Operating Cash Flow
    $420.94M
    Free Cash Flow
    $408.61M
    Adj. Free Cash Flow
    $406.13M
    FCF Per Share
    $8.35
    OCF Per Share
    $8.60
    OCF/S Ratio
    61.4%

    Income Statement

    Revenue
    $686.03M
    Gross Profit
    $481.56M
    Operating Income
    $40.01M
    EBITDA
    $77.64M
    Net Income
    $19.5M
    EPS (Diluted)
    $0.40
    Revenue / Employee
    $285.25K
    Profit / Employee
    $8.11K
    Employees
    2,405

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