OPRT - NASDAQ

Oportun Financial Corporation

Oportun Financial Corporation

OPRTยทNASDAQ

$4.72

-6.7%
Financial ServicesFinancial - Credit Services

Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations. It operates in 24 states in the United States, which include Arkansas, Delaware, Indiana, Kentucky, Mississippi, Montana, North Dakota, New Hampshire, Oregon, South Carolina, South Dakota, and Virginia. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.

StatementsValue Model

At a Glance

Live Snapshot
Market Cap$215.89M
EPS0.5300
P/E Ratio8.91
Earnings Date08/05/2026
Oportun Financial Corporation

Oportun Financial Corporation Fair Value Envelope

OPRT ยท NASDAQ

Our analysis suggests that OPRT has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $4.72, this represents a potential HIDDEN relative to our calculated worth for Oportun Financial Corporation.

HIDDEN
Intrinsic Value
Current Price: $4.72

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$8.1B
+ Cash & Equivalents$105.5M
Firm Value$8.2B
- Debt$2.8B
Equity Value$5.4B
/ Shares Outstanding44,009,399B
DCF Value$122
UNDERVALUED BY 2479%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$429.7M
$446.6M
$464.2M
$482.5M
$501.5M
$521.2M
$541.8M
$563.1M
$585.3M
$608.3M
Maintenance CapEx
-$5.1M
-$5.3M
-$5.5M
-$5.7M
-$5.9M
-$6.1M
-$6.4M
-$6.6M
-$6.9M
-$7.2M
Owner Earnings
$424.6M
$441.3M
$458.7M
$476.8M
$495.6M
$515.1M
$535.4M
$556.5M
$578.4M
$601.2M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$393.2M
$378.4M
$364.2M
$350.5M
$337.3M
$324.6M
$312.4M
$300.6M
$289.3M
$278.5M
Terminal Value represents 58.7% of Enterprise Value

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