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Oportun Financial Corp

OPRT

$11.59 ▼ -1.44 (-11.05%) at close

9 Visible periods

24 Metrics

Peer-ranked Benchmarks

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Health

Good

Neutral

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Analytical Summary

Oportun Financial Corp shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $538.0M

Dividend Yield —

Revenue Growth -4.5% ↗

Op. Margin —

ROIC —

FCF / Share $8.91 ↘

Trailing P/E 21.5x

Price / Book 1.3x

FCF Yield 76.8%

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

9-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$956.68M

↓ -4.5% —

Net Income Profit after all expenses

$25.25M

↑ +132.1% —

FCF / Share Free cash flow per share

$8.91

↓ -8.7% —

Health Breakdown

Profitability →

Returns ↓

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue Growth YoY (%)	-4.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	-5.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-187%)	11.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+83%)	52.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+766%)	7.4% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	-2.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-146%)	20.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+244%)	37.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+531%)	—
EPS Growth YoY (%)	N/M	60.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-105.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	-92.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	—
Net Income Growth YoY (%)	N/M	56.3% Excellent Excellent Year-over-year change in net income	-131.5% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	-50.1% Weak Weak Year-over-year change in net income	N/M	—
FCF Growth YoY (%)	-8.7% Weak ↓ Weak Declining Year-over-year change in free cash flow	-8.4% Weak ↓ Weak Declining Year-over-year change in free cash flow	44.5% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	37.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-1.0% Weak ↑ Weak Improving Year-over-year change in free cash flow	-75.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	-53.2% Weak Weak Year-over-year change in free cash flow	-11.2% Weak Weak Year-over-year change in free cash flow	—
Revenue CAGR 3Y (%)	0.1% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	16.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	21.9% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	16.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	8.0% Fair Fair Compound annual revenue growth over 3 years	17.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	10.4% Good ↓ Good Declining Compound annual revenue growth over 5 years	10.8% Good ↓ Good Declining Compound annual revenue growth over 5 years	16.3% Excellent Excellent Compound annual revenue growth over 5 years	21.4% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	-36.0% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Effective Tax Rate (%) (%)	42.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.5% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	2.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-88%)	-7.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-136%)	-17.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-177%)	-8.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-137%)	7.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-7.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-135%)	10.3% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	24.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	-2.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-113%)
FCF Margin (%) (%)	43.2% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	39.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	37.2% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	25.4% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	24.1% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	25.4% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	34.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	24.9% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	36.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	16.38x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-5.00x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-2.18x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-3.11x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	3.19x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-3.28x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	3.40x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.00x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	-12.79x Weak Weak Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Return on Common Equity (%) (%)	6.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-46%)	-22.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-285%)	-44.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-471%)	-14.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-218%)	7.9% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-35%)	-9.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-181%)	12.6% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	35.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+197%)	—

⚖️ Is the balance sheet risky? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Net Debt (USD)	$-105.53M	$-59.97M	$-91.19M	$-98.82M	$-130.96M	$-136.19M	$-72.18M	$-70.47M	$-48.35M

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Revenue per Share (USD)	$20.61	$24.82	$28.66	$29.02	$22.23	$21.36	$64.21	$192.46	$149.17
Basic EPS, GAAP (USD)	$0.54	$-1.95	$-4.88	$-2.37	$1.68	$-1.65	$0.46	$6.42	$-4.22
Free Cash Flow per Share (USD)	$8.91	$9.75	$10.65	$7.37	$5.36	$5.42	$22.41	$47.89	$53.96
Book Value per Share (USD)	$8.78	$9.80	$11.73	$16.42	$18.87	$16.86	$18.10	$118.06	—
Tangible Book Value per Share (USD)	$8.78	$9.80	$11.73	$16.42	$15.62	$16.86	$18.10	$118.06	—
Basic Weighted Avg Shares (shares)	46.42M	40.36M	36.88M	32.83M	28.19M	27.33M	9.35M	2.59M	2.42M

🏦 How resilient is the balance sheet? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Total Equity (USD)	$390.08M	$353.81M	$404.40M	$547.60M	$603.88M	$466.63M	$488.77M	$346.55M	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗
Sales/Revenue/Turnover (USD)	$956.68M	$1.00B	$1.06B	$952.54M	$626.78M	$583.73M	$600.15M	$497.58M	$360.95M
Depreciation Expense (USD)	$1.80M	$3.50M	$4.30M	$5.20M	$9.40M	$9.40M	$8.80M	$8.30M	$7.50M
Net Income, GAAP (USD)	$25.25M	$-78.68M	$-179.95M	$-77.74M	$47.41M	$-45.08M	$61.60M	$123.39M	$-10.21M
Operating Cash Flow (USD)	$413.41M	$393.52M	$392.76M	$247.88M	$163.45M	$152.87M	$218.37M	$138.37M	$139.12M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 9 years · 33 quarters

Oportun Financial Corp

Analytical Summary

9-Year Financial Trajectory

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