Oportun Financial Corp

OPRT · NASDAQ · Financial Services / Credit Services

11.73USD-0.03 (-0.26%)

Price History

Full chart

Market Stats

Previous Close11.76

Open11.87

Day Range11.53 – 11.87

52-Week Range4.03 – 8.66

Volume384.47K

Market Cap380.77M

P/E (TTM)21.23

Forward P/E5.51

EPS0.39

Dividend Yield0.00%

Beta1.25

50-Day Avg7.24

200-Day Avg5.78

About

Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.

Company Details

SectorFinancial Services
IndustryCredit Services
CEOMs. Kathleen I. Layton
Employees2.40K
Headquarters1825 South Grant Street, San Mateo, CA, United States, 94402, USA
Websitehttps://oportun.com

Leadership

Ms. Kathleen I. LaytonChief Legal Officer & Corporate Secretary · b. 1980

Financials

Income Statement

Currency: USD	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	195.23M	277.52M	360.95M	520.48M	502.91M	393.43M	578.15M	733.70M	460.08M	533.36M	637.34M
Growth (%)	-	+42.15%	+30.06%	+44.20%	-3.38%	-21.77%	+46.95%	+26.91%	-37.29%	+15.93%	+19.49%
Cost of Revenue	46.74M	99.14M	134.71M	63.07M	56.06M	58.37M	47.67M	93.05M	179.41M	238.16M	231.50M
Gross Profit	195.23M	178.39M	226.24M	457.41M	446.85M	335.06M	530.48M	640.66M	280.67M	295.20M	405.84M
Gross Margin	100.00%	64.28%	62.68%	87.88%	88.85%	85.16%	91.75%	87.32%	61.00%	55.35%	63.68%
Operating Expense	185.71M	162.33M	224.17M	287.32M	362.42M	393.15M	467.69M	715.94M	534.32M	410.38M	361.76M
Operating Income	9.52M	16.06M	2.07M	170.09M	84.43M	-58.09M	62.79M	-75.29M	-253.65M	-115.18M	44.08M
Operating Margin	4.88%	5.79%	0.57%	32.68%	16.79%	-14.77%	10.86%	-10.26%	-55.13%	-21.59%	6.92%
EBITDA	14.72M	24.43M	12.66M	181.92M	98.53M	-37.87M	89.90M	-27.75M	-198.77M	-64.02M	85.49M
EBITDA Margin	7.54%	8.80%	3.51%	34.95%	19.59%	-9.63%	15.55%	-3.78%	-43.20%	-12.00%	13.41%
Net Income	8.39M	50.86M	-10.21M	123.39M	61.60M	-45.08M	47.41M	-77.74M	-179.95M	-78.68M	25.25M
Net Income Margin	4.30%	18.33%	-2.83%	23.71%	12.25%	-11.46%	8.20%	-10.60%	-39.11%	-14.75%	3.96%
R&D	2.00M	2.70M	3.10M	3.50M	4.90M	10.80M	16.90M	34.20M	42.30M	-	-
R&D as % of Total Revenue	1.02%	0.97%	0.86%	0.67%	0.97%	2.75%	2.92%	4.66%	9.19%	-	-
Interest Expense	0	28.77M	36.40M	46.92M	60.50M	58.40M	47.70M	93.00M	179.41M	238.16M	231.50M
Interest Expense % of Total Revenue	0.00%	10.37%	10.08%	9.01%	12.03%	14.84%	8.25%	12.68%	39.00%	44.65%	36.32%

Balance Sheet

Currency: USD	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	-	958.17M	1.22B	1.74B	2.20B	2.01B	2.95B	3.61B	3.41B	3.23B	3.26B
Total Liabilities	-	734.61M	998.31M	1.39B	1.71B	1.54B	2.34B	3.07B	3.01B	2.87B	2.87B
Total Equity	-	223.56M	216.73M	346.55M	488.77M	466.63M	603.88M	547.60M	404.40M	353.81M	390.10M
Cash	-	35.58M	48.35M	70.47M	72.18M	136.19M	130.96M	98.82M	91.19M	59.97M	105.50M
Total Debt	-	708.24M	933.99M	1.31B	1.66B	1.71B	2.60B	3.28B	3.23B	2.82B	2.81B
Net Debt	-	672.66M	885.64M	1.24B	1.59B	1.57B	2.47B	3.18B	3.14B	2.76B	2.71B

Cash Flow

Currency: USD	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	67.66M	113.90M	139.12M	138.37M	218.37M	152.87M	163.45M	247.88M	392.76M	393.52M	413.40M
Investing Cash Flow	-251.26M	-309.76M	-343.39M	-471.43M	-497.68M	16.38M	-884.79M	-1.17B	-286.18M	-193.69M	-369.70M
Financing Cash Flow	209.75M	221.91M	230.69M	368.07M	286.27M	-136.80M	745.71M	934.53M	-104.39M	-191.22M	-59.40M
Capital Expenditure	11.37M	14.20M	12.02M	17.94M	26.22M	21.77M	26.48M	48.89M	31.26M	19.19M	24.33M
Free Cash Flow	56.28M	99.70M	127.10M	120.43M	192.15M	131.10M	136.97M	198.98M	361.50M	374.33M	389.08M
Dividends Paid	0	0	0	0	-	-	-	-	-	-	-
FCF to OCF	83.19%	87.53%	91.36%	87.03%	87.99%	85.76%	83.80%	80.28%	92.04%	95.12%	94.12%
Dividend Paid to FCF	0.00%	0.00%	0.00%	0.00%	-	-	-	-	-	-	-

Earnings

Report Date	Sep 27, 2019	Nov 12, 2019	Feb 27, 2020	May 14, 2020	Aug 6, 2020	Nov 10, 2020	Feb 18, 2021	May 6, 2021	Aug 5, 2021	Nov 3, 2021	Feb 24, 2022	May 9, 2022	Aug 8, 2022	Nov 7, 2022	Mar 13, 2023	May 8, 2023	Aug 8, 2023	Nov 6, 2023	Mar 12, 2024	May 9, 2024	Aug 8, 2024	Nov 12, 2024	Feb 12, 2025	May 8, 2025	Aug 6, 2025	Nov 4, 2025	Feb 26, 2026	May 7, 2026	Aug 5, 2026	Nov 3, 2026
EPS Estimate	0.48	0.44	0.63	0.18	0.07	-0.06	0.12	0.19	0.05	0.44	0.72	0.60	0.09	-0.11	0.23	-1.47	-0.14	0.32	-0.39	-0.26	-0.18	0.07	0.10	0.08	0.22	0.27	0.20	0.17	0.23	0.39
EPS Actual	0.78	0.64	0.94	-0.04	-1.29	0.15	0.60	0.41	0.56	0.78	0.82	1.58	0.11	0.25	0.14	-2.60	0.06	-0.46	-0.54	0.09	0.08	0.02	0.49	0.40	0.31	0.39	0.21	0.21	0.38	-
Surprise	62.50%	45.45%	49.21%	-122.22%	-1942.86%	350.00%	400.00%	115.79%	1020.00%	77.27%	13.89%	163.33%	22.22%	327.27%	-39.13%	-76.87%	142.86%	-243.75%	-38.46%	134.62%	144.44%	-71.43%	390.00%	400.00%	40.91%	44.44%	5.00%	23.53%	65.22%	-
Timing	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	After-hours	-	After-hours	After-hours	After-hours

Key Statistics & Ratios

Market Cap380.77M

Enterprise Value2.90B

Trailing P/E21.23

Forward P/E5.51

Price / Sales0.51

Price / Book0.96

EPS0.39

Book Value8.86

Revenue (TTM)743.95M

Gross Profit (TTM)708.52M

EBITDA176.25M

Profit Margin2.62%

Operating Margin11.62%

Return on Equity4.98%

Return on Assets0.62%

Shares Outstanding45.99M

Shares Float31.60M

Beta1.25

Dividend Yield0.00%

Dividend Rate0.00

Payout Ratio0.00%

Analyst Ratings

Buy

Based on 6 analystsTarget 9.75

Strong Buy
3
Hold
3

Ownership Breakdown

Institutions: 87.77%
Insiders: 7.27%
Retail / Other: 4.96%

Top Institutional Holders

Forager Capital Management, LLC
4.51M9.81%
Neuberger Berman Group LLC
3.81M8.28%
BlackRock Inc
3.08M6.69%
Findell Capital Management LLC
2.80M6.08%
Dimensional Fund Advisors, Inc.
1.66M3.62%
Vanguard Capital Management, LLC
1.63M3.54%
Long Focus Capital Management, LLC
1.52M3.30%
Simcoe Capital LLC
1.13M2.47%
Two Sigma Investments LLC
963.56K2.10%
Geode Capital Management, LLC
948.80K2.06%
Millennium Management LLC
945.99K2.06%
BOOTHBAY FUND MANAGEMENT, LLC
859.33K1.87%
American Century Companies Inc
822.88K1.79%
The Goldman Sachs Group Inc
818.29K1.78%
State Street Corp
752.33K1.64%
Meros Investment Management, LP
726.38K1.58%
AQR Capital Management LLC
688.84K1.50%

Top Fund Holders

Vanguard MStar Total Stk Mkt Idx Invest
1.19M2.60%
iShares Russell 2000 ETF
1.11M2.42%
Avantis US Small Cap Value ETF
872.61K1.90%