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Oportun Financial Corporation Common Stock (OPRT)
Price$5.25
Value ScoreB
Growth ScoreC
Momentum ScoreC
Favorite Metrics
Price vs S&P 500 (26W)4.25%
Price vs S&P 500 (4W)-10.38%
VGM Score52.15
Market Capitalization$247.90M
P/E Ratio (Annual)9.82x
All Metrics
P/CF (Annual)0.60x
Book Value / Share (Quarterly)$8.69
P/TBV (Annual)0.73x
Indicated Dividend (Annual)$0.00
Revenue Growth (3Y)-14.12%
Cash Flow / Share (Quarterly)$8.56
Price vs S&P 500 (YTD)-8.48%
Net Profit Margin (TTM)4.51%
EPS (TTM)$0.37
10-Day Avg Trading Volume0.78M
EPS Excl Extra (TTM)$0.37
Revenue Growth (5Y)3.90%
EPS (Annual)$0.53
ROI (Annual)0.79%
Net Profit Margin (5Y Avg)-17.55%
Cash / Share (Quarterly)$2.86
P/E Basic Excl Extra (TTM)13.91x
Revenue Growth QoQ (YoY)-10.34%
P/E Normalized (Annual)9.82x
ROA (Last FY)0.77%
Revenue Growth TTM (YoY)22.69%
EBITD / Share (TTM)$1.53
ROE (5Y Avg)-13.32%
Operating Margin (TTM)8.73%
Cash Flow / Share (Annual)$8.73
P/B Ratio0.63x
P/B Ratio (Quarterly)0.52x
Net Income / Employee (Annual)$10,500
EV / Revenue (TTM)7.15x
ROA (TTM)0.56%
EPS Growth QoQ (YoY)-76.69%
EV / EBITDA (TTM)38.25x
EPS Incl Extra (Annual)$0.53
Current Ratio (Annual)1.85x
Quick Ratio (Quarterly)2.29x
3-Month Avg Trading Volume0.58M
52-Week Price Return-18.62%
EV / Free Cash Flow (Annual)7.28x
P/E Incl Extra (TTM)13.91x
Revenue / Employee (TTM)$164,200
Tangible BV / Share (Quarterly)$7.17
P/S Ratio (Annual)0.61x
Asset Turnover (Annual)0.12x
52-Week High$7.96
Operating Margin (5Y Avg)-23.69%
EPS Excl Extra (Annual)$0.53
CapEx CAGR (5Y)-1.00%
Tangible BV CAGR (5Y)-6.22%
26-Week Price Return20.18%
Quick Ratio (Annual)1.67x
13-Week Price Return-0.73%
Total Debt / Equity (Annual)7.18x
Current Ratio (Quarterly)2.49x
Enterprise Value$2.82B
Revenue / Share Growth (5Y)-7.13%
Asset Turnover (TTM)0.12x
Book Value / Share Growth (5Y)-12.21%
Revenue / Employee (Annual)$168,700
Pretax Margin (Annual)10.86%
Cash / Share (Annual)$2.37
3-Month Return Std Dev54.25%
Net Income / Employee (TTM)$7,400
EBITDA Interim CAGR (5Y)2.69%
ROE (Last FY)6.47%
EPS Basic Excl Extra (Annual)$0.53
P/FCF (TTM)0.64x
EV / Free Cash Flow (TTM)7.24x
Total Debt / Equity (Quarterly)6.83x
EPS Incl Extra (TTM)$0.37
ROI (TTM)0.57%
P/S Ratio (TTM)0.63x
Pretax Margin (5Y Avg)-23.69%
Revenue / Share (Annual)$8.48
Tangible BV / Share (Annual)$7.16
Forward P/E3.24x
Free OCF CAGR (5Y)25.17%
Price vs S&P 500 (52W)-46.82%
P/E Ratio (TTM)13.91x
Year-to-Date Return2.46%
5-Day Price Return-0.55%
EPS Normalized (Annual)$0.53
ROA (5Y Avg)-1.50%
Net Profit Margin (Annual)6.22%
Month-to-Date Return-11.00%
EBITD / Share (Annual)$1.79
Operating Margin (Annual)10.86%
LT Debt / Equity (Annual)7.18x
P/CF (TTM)0.60x
ROI (5Y Avg)-1.53%
P/E Excl Extra (TTM)13.91x
LT Debt / Equity (Quarterly)6.83x
EPS Basic Excl Extra (TTM)$0.37
P/TBV (Quarterly)0.63x
P/B Ratio (Annual)0.60x
Pretax Margin (TTM)8.73%
Book Value / Share (Annual)$8.78
Price vs S&P 500 (13W)-10.48%
Beta1.28x
P/FCF (Annual)0.64x
Revenue / Share (TTM)$8.14
ROE (TTM)4.61%
52-Week Low$4.03
vGradeB
gGradeC
mGradeC
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.21est. 0.17
Analyst Recommendations
Feb 2026
Mar 2026
Apr 2026
May 2026
4.08
4.15
4.15
4.15
Industry Peers — Finance Services(152)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
OPRTOportun Financial Corporation Common Stock | B | C | C | $5.25 |
| AXPAmerican Express Company | D | B | C | $313.54 |
| NUNu Holdings Ltd. | D | B | C | $12.99 |
| COINCoinbase Global, Inc. Class A Common Stock | D | C | C | $182.61 |
| MSTRStrategy Inc Common Stock Class A | D | D | C | $149.78 |
| CRCLCircle Internet Group, Inc. | F | C | B | $104.97 |
| SYFSYNCHRONY FINANCIAL | B | C | C | $70.82 |
| SOFISoFi Technologies, Inc. Common Stock | D | B | B | $18.58 |
| IRENIREN Limited Ordinary Shares | F | B | A | $65.33 |
| HUTHut 8 Corp. Common Stock | F | A | A | $132.38 |
| WULFTeraWulf Inc. Common Stock | F | B | A | $25.66 |
About
Oportun Financial Corp provides financial services to underserved consumers with limited or no credit history. The company offers a range of products including personal loans, auto loans, deposit accounts, and debit card services. Its core business focuses on small-dollar installment loans and transaction services tailored to customers typically excluded from traditional banking channels.