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OPRT Oportun Financial Corp
Price (delayed)
$3.16
Market cap
$113.67M
P/E Ratio
N/A
Dividend/share
N/A
EPS
-$3.29
Enterprise value
$2.74B
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 2.3% YoY
The EPS has increased by 22% year-on-year but it has declined by 6% since the previous quarter
The net income has grown by 12% YoY but it has contracted by 7% from the previous quarter
The equity has declined by 26% year-on-year and by 8% since the previous quarter
The revenue has declined by 22% year-on-year and by 8% since the previous quarter
Key stats
What are the main financial stats of OPRT
Market
Valuations
Earnings
Shares outstanding
35.97M
Market cap
$113.67M
Enterprise value
$2.74B
Price to earnings (P/E)
N/A
Price to book (P/B)
0.34
Price to sales (P/S)
0.46
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
10.01
Revenue
$273.92M
EBIT
-$176.37M
EBITDA
-$122.91M
Free cash flow
$389.18M
Per share
Balance sheet
Liquidity
EPS
-$3.29
Free cash flow per share
$9.74
Book value per share
$9.17
Revenue per share
$6.85
TBVPS
$79.05
Total assets
$3.25B
Total liabilities
$2.92B
Debt
$2.86B
Equity
$327.56M
Working capital
N/A
Debt to equity
8.72
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-21.38
Margins
Efficiency
Dividend
EBITDA margin
-44.9%
Gross margin
100%
Net margin
-47.2%
Operating margin
-64.4%
Return on assets
-3.9%
Return on equity
-35.2%
Return on invested capital
-3%
Return on capital employed
N/A
Return on sales
-64.4%
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
4.29%
1 week
1.94%
1 month
20.15%
1 year
45.62%
YTD
-19.18%
QTD
12.46%
Financial performance
How have Oportun Financial's revenue and profit performed over time
Revenue
$273.92M
Gross profit
$273.92M
Operating income
-$176.37M
Net income
-$129.24M
Gross margin
100%
Net margin
-47.2%
The revenue has declined by 22% year-on-year and by 8% since the previous quarter
The gross profit has declined by 22% year-on-year and by 8% since the previous quarter
The net margin has contracted by 16% from the previous quarter and by 13% YoY
OPRT's operating income is up by 14% year-on-year
Growth
What is Oportun Financial's growth rate over time
Valuation
What is Oportun Financial stock price valuation
P/E
N/A
P/B
0.34
P/S
0.46
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
10.01
The EPS has increased by 22% year-on-year but it has declined by 6% since the previous quarter
The stock's price to book (P/B) is 51% less than its 5-year quarterly average of 0.7 but 13% more than its last 4 quarters average of 0.3
The equity has declined by 26% year-on-year and by 8% since the previous quarter
The stock's price to sales (P/S) is 34% less than its 5-year quarterly average of 0.7 but 15% more than its last 4 quarters average of 0.4
The revenue has declined by 22% year-on-year and by 8% since the previous quarter
Efficiency
How efficient is Oportun Financial business performance
The company's return on equity fell by 15% QoQ and by 14% YoY
The return on sales has declined by 11% year-on-year and by 10% since the previous quarter
Oportun Financial's return on invested capital has increased by 9% YoY
OPRT's return on assets is down by 8% since the previous quarter but it is up by 7% year-on-year
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 11% higher than its total liabilities
OPRT's total assets is down by 5% YoY
OPRT's total liabilities is down by 2.2% year-on-year
OPRT's debt to equity is up by 32% YoY and by 9% QoQ
The equity has declined by 26% year-on-year and by 8% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.