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OPORTUN FINANCIAL CORP (OPRT) Stock Fundamental Analysis

NASDAQ:OPRT - Nasdaq - US68376D1046 - Common Stock - Currency: USD

4.4  -0.21 (-4.56%)

Fundamental Rating

3

OPRT gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. Both the profitability and financial health of OPRT have multiple concerns. A decent growth rate in combination with a cheap valuation! Better keep an eye on OPRT.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year OPRT was profitable.
In the past year OPRT had a positive cash flow from operations.
OPRT had negative earnings in 4 of the past 5 years.
In the past 5 years OPRT always reported a positive cash flow from operatings.
OPRT Yearly Net Income VS EBIT VS OCF VS FCFOPRT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M -200M

1.2 Ratios

Looking at the Return On Assets, with a value of -2.44%, OPRT is doing worse than 81.13% of the companies in the same industry.
OPRT has a Return On Equity of -22.24%. This is amonst the worse of the industry: OPRT underperforms 88.68% of its industry peers.
Industry RankSector Rank
ROA -2.44%
ROE -22.24%
ROIC N/A
ROA(3y)-3.29%
ROA(5y)-2.1%
ROE(3y)-26.98%
ROE(5y)-16.55%
ROIC(3y)N/A
ROIC(5y)N/A
OPRT Yearly ROA, ROE, ROICOPRT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40

1.3 Margins

OPRT does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
OPRT Yearly Profit, Operating, Gross MarginsOPRT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100

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2

2. Health

2.1 Basic Checks

OPRT does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for OPRT has been increased compared to 1 year ago.
The number of shares outstanding for OPRT has been increased compared to 5 years ago.
Compared to 1 year ago, OPRT has a worse debt to assets ratio.
OPRT Yearly Shares OutstandingOPRT Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
OPRT Yearly Total Debt VS Total AssetsOPRT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

Based on the Altman-Z score of -0.10, we must say that OPRT is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.10, OPRT is not doing good in the industry: 71.70% of the companies in the same industry are doing better.
The Debt to FCF ratio of OPRT is 7.51, which is on the high side as it means it would take OPRT, 7.51 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 7.51, OPRT perfoms like the industry average, outperforming 52.83% of the companies in the same industry.
OPRT has a Debt/Equity ratio of 7.93. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 7.93, OPRT is not doing good in the industry: 84.91% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 7.93
Debt/FCF 7.51
Altman-Z -0.1
ROIC/WACCN/A
WACC6.47%
OPRT Yearly LT Debt VS Equity VS FCFOPRT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B 2.5B

2.3 Liquidity

A Current Ratio of 1.13 indicates that OPRT should not have too much problems paying its short term obligations.
OPRT has a Current ratio (1.13) which is comparable to the rest of the industry.
A Quick Ratio of 1.13 indicates that OPRT should not have too much problems paying its short term obligations.
The Quick ratio of OPRT (1.13) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.13
OPRT Yearly Current Assets VS Current LiabilitesOPRT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 119.26% over the past year.
OPRT shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -35.80% yearly.
The Revenue has been growing slightly by 5.20% in the past year.
OPRT shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -7.77% yearly.
EPS 1Y (TTM)119.26%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%192.45%
Revenue 1Y (TTM)5.2%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-4.49%

3.2 Future

OPRT is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 47.05% yearly.
The Revenue is expected to grow by 5.16% on average over the next years.
EPS Next Y77.43%
EPS Next 2Y58.03%
EPS Next 3Y47.05%
EPS Next 5YN/A
Revenue Next Year-3.74%
Revenue Next 2Y2.52%
Revenue Next 3Y5.16%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
OPRT Yearly Revenue VS EstimatesOPRT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M 800M 1B
OPRT Yearly EPS VS EstimatesOPRT Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 2 -2

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8

4. Valuation

4.1 Price/Earnings Ratio

OPRT is valuated cheaply with a Price/Earnings ratio of 6.47.
73.58% of the companies in the same industry are more expensive than OPRT, based on the Price/Earnings ratio.
OPRT's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.29.
The Price/Forward Earnings ratio is 3.65, which indicates a rather cheap valuation of OPRT.
98.11% of the companies in the same industry are more expensive than OPRT, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.32, OPRT is valued rather cheaply.
Industry RankSector Rank
PE 6.47
Fwd PE 3.65
OPRT Price Earnings VS Forward Price EarningsOPRT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of OPRT indicates a rather cheap valuation: OPRT is cheaper than 100.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.43
EV/EBITDA N/A
OPRT Per share dataOPRT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

OPRT's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
OPRT's earnings are expected to grow with 47.05% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y58.03%
EPS Next 3Y47.05%

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0

5. Dividend

5.1 Amount

No dividends for OPRT!.
Industry RankSector Rank
Dividend Yield N/A

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OPORTUN FINANCIAL CORP

NASDAQ:OPRT (4/21/2025, 2:29:15 PM)

4.4

-0.21 (-4.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-12 2025-02-12/amc
Earnings (Next)05-12 2025-05-12/amc
Inst Owners66.85%
Inst Owner Change0%
Ins Owners4.53%
Ins Owner Change4.6%
Market Cap158.97M
Analysts80
Price Target9.44 (114.55%)
Short Float %0.5%
Short Ratio0.28
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)478.85%
Min EPS beat(2)-50.98%
Max EPS beat(2)1008.68%
EPS beat(4)3
Avg EPS beat(4)308.64%
Min EPS beat(4)-50.98%
Max EPS beat(4)1008.68%
EPS beat(8)4
Avg EPS beat(8)125.55%
EPS beat(12)7
Avg EPS beat(12)122.94%
EPS beat(16)11
Avg EPS beat(16)172.2%
Revenue beat(2)0
Avg Revenue beat(2)-1.33%
Min Revenue beat(2)-1.8%
Max Revenue beat(2)-0.86%
Revenue beat(4)2
Avg Revenue beat(4)-0.12%
Min Revenue beat(4)-1.8%
Max Revenue beat(4)2.11%
Revenue beat(8)4
Avg Revenue beat(8)0.61%
Revenue beat(12)5
Avg Revenue beat(12)-9.39%
Revenue beat(16)5
Avg Revenue beat(16)-11.13%
PT rev (1m)2.07%
PT rev (3m)45.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-72.08%
EPS NY rev (1m)-0.6%
EPS NY rev (3m)20.21%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)-7.63%
Revenue NY rev (1m)-0.15%
Revenue NY rev (3m)-5.96%
Valuation
Industry RankSector Rank
PE 6.47
Fwd PE 3.65
P/S 0.54
P/FCF 0.43
P/OCF 0.4
P/B 0.45
P/tB 0.59
EV/EBITDA N/A
EPS(TTM)0.68
EY15.45%
EPS(NY)1.21
Fwd EY27.42%
FCF(TTM)10.34
FCFY234.92%
OCF(TTM)10.89
OCFY247.54%
SpS8.17
BVpS9.79
TBVpS7.4
PEG (NY)0.08
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.44%
ROE -22.24%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 126.51%
ROA(3y)-3.29%
ROA(5y)-2.1%
ROE(3y)-26.98%
ROE(5y)-16.55%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 7.93
Debt/FCF 7.51
Debt/EBITDA N/A
Cap/Depr 39.24%
Cap/Sales 6.8%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.13
Quick Ratio 1.13
Altman-Z -0.1
F-Score5
WACC6.47%
ROIC/WACCN/A
Cap/Depr(3y)71.47%
Cap/Depr(5y)97.85%
Cap/Sales(3y)9.01%
Cap/Sales(5y)8.45%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)119.26%
EPS 3Y-35.8%
EPS 5YN/A
EPS Q2Q%192.45%
EPS Next Y77.43%
EPS Next 2Y58.03%
EPS Next 3Y47.05%
EPS Next 5YN/A
Revenue 1Y (TTM)5.2%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-4.49%
Revenue Next Year-3.74%
Revenue Next 2Y2.52%
Revenue Next 3Y5.16%
Revenue Next 5YN/A
EBIT growth 1Y54.6%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year278.65%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.72%
FCF growth 3Y44.18%
FCF growth 5Y14.21%
OCF growth 1Y0.19%
OCF growth 3Y34.04%
OCF growth 5Y12.5%