OPRT Oportun Financial Corp
Price (delayed)
$2.39
Market cap
$85.38M
P/E Ratio
N/A
Dividend/share
N/A
EPS
-$3.09
Enterprise value
$2.68B
Oportun Financial Corp. is a financial services company that leverages its digital platform to provide responsible consumer credit to hardworking people. Using A.I.-driven models that are built on 15 years
Highlights
The debt has contracted by 3.6% YoY
The EPS has surged by 55% year-on-year but it has declined by 14% since the previous quarter
The net income has grown by 48% YoY but it has contracted by 15% from the previous quarter
The gross profit has declined by 28% year-on-year and by 17% since the previous quarter
The revenue has declined by 28% year-on-year and by 17% since the previous quarter
Key stats
What are the main financial stats of OPRT
Market
Valuations
Earnings
Shares outstanding
35.72M
Market cap
$85.38M
Enterprise value
$2.68B
Price to earnings (P/E)
N/A
Price to book (P/B)
0.24
Price to sales (P/S)
0.32
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
9.03
Revenue
$296.44M
EBIT
-$174.27M
EBITDA
-$120.34M
Free cash flow
$386.14M
Per share
Balance sheet
Liquidity
EPS
-$3.09
Free cash flow per share
$9.7
Book value per share
$9.95
Revenue per share
$7.44
TBVPS
$79.13
Total assets
$3.25B
Total liabilities
$2.9B
Debt
$2.83B
Equity
$354.12M
Working capital
N/A
Debt to equity
7.99
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-21.54
Margins
Efficiency
Dividend
EBITDA margin
-40.6%
Gross margin
100%
Net margin
-40.6%
Operating margin
-58.8%
Return on assets
-3.6%
Return on equity
-30.5%
Return on invested capital
-3%
Return on capital employed
N/A
Return on sales
-58.8%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
OPRT stock price
How has the Oportun Financial stock price performed over time
Intraday
-2.85%
1 week
-14.64%
1 month
-17.3%
1 year
-68.05%
YTD
-38.87%
QTD
-17.59%
Financial performance
How have Oportun Financial's revenue and profit performed over time
Revenue
$296.44M
Gross profit
$296.44M
Operating income
-$174.27M
Net income
-$120.43M
Gross margin
100%
Net margin
-40.6%
The net income has grown by 48% YoY but it has contracted by 15% from the previous quarter
OPRT's operating margin is down by 46% since the previous quarter but it is up by 13% year-on-year
OPRT's operating income is up by 38% year-on-year but it is down by 22% since the previous quarter
The net margin has contracted by 38% from the previous quarter but it has grown by 27% YoY
Growth
What is Oportun Financial's growth rate over time
Valuation
What is Oportun Financial stock price valuation
P/E
N/A
P/B
0.24
P/S
0.32
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
9.03
The EPS has surged by 55% year-on-year but it has declined by 14% since the previous quarter
The stock's price to book (P/B) is 64% less than its 5-year quarterly average of 0.7 and 38% less than its last 4 quarters average of 0.4
The equity has declined by 23% year-on-year and by 7% since the previous quarter
The stock's price to sales (P/S) is 53% less than its 5-year quarterly average of 0.7 and 34% less than its last 4 quarters average of 0.5
The revenue has declined by 28% year-on-year and by 17% since the previous quarter
Efficiency
How efficient is Oportun Financial business performance
The return on sales has declined by 46% since the previous quarter but it has increased by 13% year-on-year
OPRT's return on assets is up by 45% year-on-year but it is down by 16% since the previous quarter
Oportun Financial's return on invested capital has increased by 35% YoY but it has decreased by 25% QoQ
The company's return on equity rose by 34% YoY but it fell by 23% QoQ
Dividends
What is OPRT's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A
There are no recent dividends present for OPRT.
Financial health
How did Oportun Financial financials performed over time
OPRT's total assets is 12% higher than its total liabilities
OPRT's total assets is down by 6% YoY
OPRT's total liabilities is down by 3.9% year-on-year
OPRT's debt to equity is up by 25% YoY and by 8% QoQ
The equity has declined by 23% year-on-year and by 7% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.