Oportun Financial OPRT
- Market cap
- $422.6M
- PE
- 23.0×
- 5y median 11.0×
- Forward PE
- n/m
- not a meaningful number
- Price to sales
- 0.4×
- EV/EBIT
- 73.7×
- Revenue, 12 months
- $948.4M
- −2% on a year ago
- Net margin
- 2.1%
- Free cash flow yield
- n/m
- not a meaningful number
Oportun Financial trades at 23.0× trailing earnings, pricier than 88% of the last ten years. Revenue was $948.4M over the last twelve months, down 2% on a year earlier with a 2% net margin.
Charts
Financials
| Income statement | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $268.2M+7% | $262.6M+0% | $250.5M−4% | $250.4M−6% | $250M−7% | $250.9M−4% | $235.9M−6% | $234.3M−6% | $238.7M−5% | $247.7M−1% | $228.8M−3% | $233.2M−1% | |
| SG&A | $11.9M−18% | $20.2M+43% | $11.8M−39% | $22M+4% | $13M+10% | $6.4M−68% | $7.4M−37% | $9.8M−56% | $10.5M−19% | $6.3M−2% | $7M−5% | $6M−39% |
| Interest expense | $47M+76% | $52M+46% | $54.5M+40% | $54.2M+31% | $55.7M+19% | $73.7M+42% | $57.4M+5% | $59.5M+10% | $56.6M+2% | $57.9M−21% | $48M−16% | $41.9M−30% |
| Pre-tax income | −$37.4M−67% | −$57.3M+623% | −$30.5M−79% | −$49.1M+181% | −$39.5M+6% | $3.9M | $13.2M | $10.1M | $14.2M | $6.6M+68% | $3.6M−73% | $15.6M+55% |
| −$16.2M+148% | −$15.5M | −$4M−90% | −$18.1M+605% | −$9.5M−41% | −$4.8M−69% | $3.4M | $3.2M | $9M | $3.2M | $1.2M−64% | $7.1M+119% | |
| Net income | −$21.1M−80% | −$41.8M+397% | −$26.4M−74% | −$31M+108% | −$30M+42% | $8.7M | $9.8M | $6.9M | $5.2M | $3.4M−61% | $2.3M−76% | $8.5M+24% |
| −$0.55−83% | −$1.09+336% | −$0.68−77% | −$0.78+90% | −$0.75+36% | $0.20 | $0.21 | $0.14 | $0.11 | $0.07−65% | $0.05−76% | $0.17+21% | |
| 38.3M+16% | 38.5M+16% | 38.9M+15% | 39.8M+9% | 40M+4% | 42.7M+11% | 47M+21% | 47.9M+20% | 48.3M+21% | 48.2M+13% | 48.5M+3% | 49.4M+3% |
EPS, diluted: 7 periods, Q4 FY18 to Q4 FY25: quarter's net income to common over its shares, to the cent.
Diluted shares: 5 periods, Q4 FY18 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days. Q4 FY22 and Q4 FY23: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Financial - Credit Services nearest Oportun Financial's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| OPRTOportun Financial | $422.6M | 23.0× | 11.0× | 0.4× | −2% | 2.1% | |
| PLBCPlumas Bancorp | $439.8M | 12.4× | 9.3× | 3.9× | +34% | 31.7% | |
| OPFIOppFi | $461.8M | 2.6× | 44.1× | 1.3× | +0% | 28.0% | |
| TREELendingTree | $376.4M | 2.2× | 69.5× | 0.3× | +25% | 14.3% | |
| RMNIRimini Street | $374.4M | 50.1× | 11.3× | 0.9× | +1% | 1.7% | |
| LSAKLesaka Technologies | $349.3M | 102× | 7.8× | 0.5× | +9% | 0.4% | |
| RMRegional Management | $302.1M | 6.9× | 9.2× | 0.5× | +10% | 7.0% | |
| VELVelocity Financial | $604.1M | 5.6× | 10.5× | n/m | n/m | n/m | |
| IRHOIron Horse Acquisition II | $295.5M | 67.2× | 67.1× | n/m | n/m | n/m | |
| POWWOutdoor | $285.4M | 82.0× | 21.4× | 5.3× | +10% | 6.4% | |
| IMXIInternational Money Express | $281M | 14.8× | 14.9× | 0.5× | −14% | 3.4% | |
| Peer median | $361.8M | 13.6× | 13.1× | 0.7× | +10% | 6.7% |
More on Oportun Financial
Each number over time
- PE ratio
- Price to sales ratio
- EV/EBIT
- Price to free cash flow
- Price to book ratio
- Market cap
- Revenue
- EPS
- Free cash flow
- Profit margin
- Shares outstanding
Its groups
About
- Industry
- Financial - Credit Services
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .