OPRT

Oportun Financial Corporation

Price

$8.48

return (12m)

26.00%

p/e

20.06

p/bv

0.96

DIVIDEND YIELD

0.00%

OPRT price

Oportun Financial

If you had invested

exposure

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

Return on Investment OPRT

1 month

3 months

1 year

2 years

5 years

10 years

return

1 month

12.92%

3 months

47.99%

1 year

26.00%

2 years

190.41%

5 years

-65.65%

10 years

0.00%

Profitability Comparator

If you had invested

years ago

ago, you would now have:

Fundamentals OPRT

Valuation

P/E

20.06

Sector -141.14

Industry 11.29

P/BV

0.96

Sector -9.63

Industry 1.72

P/Revenue (PSR)

0.99

Sector -11.59

Industry 1.66

EV/EBITDA

Sector -974.28

Industry 12.76

EV/EBIT

Sector -4,881,399,067.77

Industry 11.63

P/EBITDA

Sector -103.00

Industry 8.42

P/EBIT

Sector -120.48

Industry 6.11

P/Total Assets

0.12

Sector 0.14

Industry 0.52

P/Net Current Assets

-0.14

Sector -7.42

Industry -1.49

P/Working Capital

Sector -

Industry -7.50

EPS

0.40

Sector -9,569.94

Industry 12.39

BVPS

8.41

Sector -26,009.70

Industry 65.79

Efficiency

Gross Margin

0.00%

Sector 0.25%

Industry 13.79%

EBITDA Margin

0.00%

Sector -275.99%

Industry 14.01%

EBIT Margin

0.00%

Sector -884,234.46%

Industry 13.60%

Operating Margin

0.00%

Sector -6.47%

Industry 5.49%

Net Profit Margins

4.92%

Sector -2.15%

Industry 15.29%

Asset Turnover

0.03

Sector 0.01

Industry 0.08

Profitability

ROE

4.79%

Sector -1,326.69%

Industry 17.07%

ROA

0.62%

Sector -7.65%

Industry 5.01%

ROIC

0.00%

Sector -11.28%

Industry 2.05%

Dividends

Dividend yield

0.00%

Sector 0.25%

Industry 1.73%

Payout

0.00%

Sector 5.41%

Industry 18.89%

Debt

Current Ratio

Sector -

Industry 0.43

Net Debt / EBITDA

Sector -153.05

Industry -14.50

Net Debt / EBIT

Sector -4,500,306,115.47

Industry -20.17

Net Debt / Equity

0.00

Sector -0.83

Industry -0.22

Gross Debt / Equity

0.00

Sector -0.23

Industry 0.07

Equity/Assets

0.13

Sector -0.02

Industry 0.28

Liabilities/Assets

0.87

Sector 0.37

Industry 0.72

Growth

5Y Revenue CAGR

-5.68%

Sector -

Industry -

5Y Earnings CAGR

-16.30%

Sector -

Industry -

Fundamentals OPRT

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FAIR VALUE OF Oportun Financial ACCORDING TO BENJAMIN GRAHAM

Graham's Fair Value

The Fair Value formula was created by Benjamin Graham to identify stocks with appreciation potential or that are being traded for less than they are worth. Graham was one of the greatest investors in history and Warren Buffett’s mentor.

Current price

$8.48

Fair Value

$8.70

Upside

2.59%

See Graham's ranking

Because it considers equity value in its calculation, this formula may not work well for technology companies.

This is not a buy/sell recommendation; the fair value calculation takes into account only the formula created by Benjamin Graham, published in the book The Intelligent Investor.

Assets	Price (US$)	Return 12m	DY	P/E	P/BV	ROE	Net Profit Margins
OPRT Oportun Financial Corporation	$8.48	21.49%	0.00%	20.06	0.96	4.79%	4.92%
MA Mastercard Incorporated	$559.92	-1.15%	0.59%	30.74	89.15	289.99%	46.34%
AXP American Express Company	$301.96	-10.49%	1.14%	18.48	6.13	33.19%	14.69%
PAGS Pagbank - Pagseguro Digital LTD	$9.09	-6.46%	5.31%	6.42	0.89	13.88%	10.46%
PYPL Paypal Holdings INC	$52.51	-21.33%	0.80%	9.43	2.33	24.73%	14.36%
SYF Synchrony Financial	$70.67	-4.92%	1.66%	7.04	1.47	20.82%	18.28%
COF Capital One Financial Corp.	$196.10	-11.65%	1.59%	12.12	1.10	9.09%	13.16%
IX ORIX Corp.	$39.10	49.09%	2.02%	1,652.25	242.08	14.65%	18.63%
QFIN 360 DigiTech Inc.	$7.61	-72.96%	18.71%	1.40	0.28	20.23%	33.54%
FIS Fidelity National Information Services Inc.	$34.67	-44.70%	4.64%	5.53	1.16	21.05%	27.67%
JSM Navient Corporation	$17.50	-3.23%	8.56%	32.00	0.69	2.16%	1.37%
FCFS FirstCash Inc.	$216.47	48.16%	0.76%	24.87	4.16	16.72%	9.42%
XYF X Financial Class A	$5.23	-59.49%	11.81%	1.26	0.16	12.98%	15.07%
EEFT Euronet Worldwide Inc.	$64.64	-27.53%	0.00%	8.65	2.03	23.43%	6.67%
EZPW EZCORP Inc.	$30.19	67.44%	0.00%	12.05	1.64	13.62%	10.04%
IMXI International Money Express Inc.	$11.43	-20.90%	0.00%	20.11	2.21	10.98%	3.35%

Stock vs Indice Comparison Tool

If you had invested

years ago

ago, you would now have *

ago, you would now have:

*This calculation reflects price variation only.

OPRT Historical Dividends

current DY: 0.00%

5-year average DY: 0.00%

no dividend paid in the period.

ABOUT Oportun Financial

Oportun Financial Corporation

Average Investor10 user rating

4.0 (1 people)

United States

15 years

Founded: 2011

2019

Time since IPO - 7 years

3.279

Employees

Oportun Financial Corporation (United States) is listed on the Nasdaq and has a market capitalization of $390.75 million, with shareholders equity totaling $407.13 million.

The company employs approximately 3.279 people and operates in the Financial sector, within the Consumer Financial Services industry.

Over the past 12 months, Oportun Financial Corporation reported $395.98 million in revenue, generating net income of $19.48 million.

Key financial metrics include a P/E ratio of 20.06, a price-to-book (P/B) ratio of 0.96, and a trailing twelve-month dividend yield of 0.00%.

The company trades under the ticker OPRT.

Market cap

$390.75 million

Net worth

$407.13 million

$407,133,000.00

Assets

$3.13 billion

$3,129,312,000.00

Total Shares Outstanding

48.42 million

48,419,000

Average Daily Trading Volume

$485.85 Thousand

$485,854.18

Sector

Financial

Industry

Consumer Financial Services

OPRT

OPRT revenue and profits

Financial Results OPRT

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OPRT cash flow

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