Logo image of OPRT

OPORTUN FINANCIAL CORP (OPRT) Stock Fundamental Analysis

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

7.89  -0.07 (-0.88%)

After market: 7.8 -0.09 (-1.14%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to OPRT. OPRT was compared to 53 industry peers in the Consumer Finance industry. OPRT may be in some trouble as it scores bad on both profitability and health. OPRT may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

OPRT had positive earnings in the past year.
In the past year OPRT had a positive cash flow from operations.
In the past 5 years OPRT reported 4 times negative net income.
Each year in the past 5 years OPRT had a positive operating cash flow.
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

The Return On Assets of OPRT (-2.44%) is worse than 80.77% of its industry peers.
OPRT's Return On Equity of -22.25% is on the low side compared to the rest of the industry. OPRT is outperformed by 88.46% of its industry peers.
Industry RankSector Rank
ROA -2.44%
ROE -22.25%
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

More info and screens

3

2. Health

2.1 Basic Checks

OPRT does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, OPRT has more shares outstanding
OPRT has more shares outstanding than it did 5 years ago.
The debt/assets ratio for OPRT is higher compared to a year ago.
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

OPRT has an Altman-Z score of -0.06. This is a bad value and indicates that OPRT is not financially healthy and even has some risk of bankruptcy.
OPRT's Altman-Z score of -0.06 is on the low side compared to the rest of the industry. OPRT is outperformed by 71.15% of its industry peers.
OPRT has a debt to FCF ratio of 7.51. This is a slightly negative value and a sign of low solvency as OPRT would need 7.51 years to pay back of all of its debts.
With a Debt to FCF ratio value of 7.51, OPRT perfoms like the industry average, outperforming 51.92% of the companies in the same industry.
A Debt/Equity ratio of 7.93 is on the high side and indicates that OPRT has dependencies on debt financing.
OPRT's Debt to Equity ratio of 7.93 is on the low side compared to the rest of the industry. OPRT is outperformed by 86.54% of its industry peers.
Industry RankSector Rank
Debt/Equity 7.93
Debt/FCF 7.51
Altman-Z -0.06
ROIC/WACCN/A
WACC5.04%
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

OPRT has a Current Ratio of 3.30. This indicates that OPRT is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of OPRT (3.30) is better than 78.85% of its industry peers.
A Quick Ratio of 3.30 indicates that OPRT has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 3.30, OPRT belongs to the best of the industry, outperforming 80.77% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 3.3
Quick Ratio 3.3
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

More info and screens

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.
Looking at the last year, OPRT shows a small growth in Revenue. The Revenue has grown by 5.21% in the last 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)5.21%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-4.49%

3.2 Future

Based on estimates for the next years, OPRT will show a very strong growth in Earnings Per Share. The EPS will grow by 56.84% on average per year.
Based on estimates for the next years, OPRT will show a small growth in Revenue. The Revenue will grow by 2.47% on average per year.
EPS Next Y78.5%
EPS Next 2Y56.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-3.6%
Revenue Next 2Y2.47%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 200M 400M 600M 800M 1B
OPRT Yearly EPS VS EstimatesOPRT Yearly EPS VS EstimatesYearly EPS VS Estimates 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 2 -2

More info and screens

8

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 11.60, the valuation of OPRT can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of OPRT is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 29.62, OPRT is valued rather cheaply.
OPRT is valuated cheaply with a Price/Forward Earnings ratio of 6.50.
OPRT's Price/Forward Earnings ratio is rather cheap when compared to the industry. OPRT is cheaper than 86.54% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of OPRT to the average of the S&P500 Index (22.70), we can say OPRT is valued rather cheaply.
Industry RankSector Rank
PE 11.6
Fwd PE 6.5
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

Based on the Price/Free Cash Flow ratio, OPRT is valued cheaper than 96.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.76
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as OPRT's earnings are expected to grow with 56.84% in the coming years.
PEG (NY)0.15
PEG (5Y)N/A
EPS Next 2Y56.84%
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

OPRT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

OPORTUN FINANCIAL CORP

NASDAQ:OPRT (2/21/2025, 8:00:02 PM)

After market: 7.8 -0.09 (-1.14%)

7.89

-0.07 (-0.88%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-12 2025-02-12/amc
Earnings (Next)05-07 2025-05-07/amc
Inst Owners66.85%
Inst Owner Change-97.3%
Ins Owners4.53%
Ins Owner Change-0.15%
Market Cap283.88M
Analysts78.18
Price Target9.24 (17.11%)
Short Float %0.39%
Short Ratio0.36
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)42.16%
PT rev (3m)57.61%
EPS NQ rev (1m)-44.7%
EPS NQ rev (3m)247.63%
EPS NY rev (1m)20.94%
EPS NY rev (3m)35.23%
Revenue NQ rev (1m)-2.33%
Revenue NQ rev (3m)-5.8%
Revenue NY rev (1m)-5.82%
Revenue NY rev (3m)-8.96%
Valuation
Industry RankSector Rank
PE 11.6
Fwd PE 6.5
P/S 0.96
P/FCF 0.76
P/OCF 0.72
P/B 0.8
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)0.68
EY8.62%
EPS(NY)1.21
Fwd EY15.38%
FCF(TTM)10.38
FCFY131.53%
OCF(TTM)10.94
OCFY138.61%
SpS8.21
BVpS9.83
TBVpS7.43
PEG (NY)0.15
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.44%
ROE -22.25%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 126.48%
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-Score6
Asset Turnover0.09
Health
Industry RankSector Rank
Debt/Equity 7.93
Debt/FCF 7.51
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 6.81%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 3.3
Quick Ratio 3.3
Altman-Z -0.06
F-Score6
WACC5.04%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)9.01%
Cap/Sales(5y)8.46%
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 Y78.5%
EPS Next 2Y56.84%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.21%
Revenue growth 3Y-17.75%
Revenue growth 5Y-7.77%
Sales Q2Q%-4.49%
Revenue Next Year-3.6%
Revenue Next 2Y2.47%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y54.59%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year311.52%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y3.7%
FCF growth 3Y44.17%
FCF growth 5Y14.2%
OCF growth 1Y0.19%
OCF growth 3Y34.04%
OCF growth 5Y12.5%