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Financial Services - Financial - Credit Services - NASDAQ - US
$ 7.07
0.142 %
$ 255 M
Market Cap
-3.63
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one OPRT stock under the worst case scenario is HIDDEN Compared to the current market price of 7.07 USD, Oportun Financial Corporation is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one OPRT stock under the base case scenario is HIDDEN Compared to the current market price of 7.07 USD, Oportun Financial Corporation is HIDDEN

This DCF valuation model was last updated on Mar, 3, 2025.

The intrinsic value of one OPRT stock under the best case scenario is HIDDEN Compared to the current market price of 7.07 USD, Oportun Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
1 B REVENUE
-5.22%
591 M OPERATING INCOME
397.53%
-78.7 M NET INCOME
56.27%
394 M OPERATING CASH FLOW
0.19%
-194 M INVESTING CASH FLOW
32.32%
-191 M FINANCING CASH FLOW
-83.17%
251 M REVENUE
0.38%
161 M OPERATING INCOME
36.65%
8.7 M NET INCOME
129.04%
91.4 M OPERATING CASH FLOW
-15.74%
-56.4 M INVESTING CASH FLOW
48.86%
-48.9 M FINANCING CASH FLOW
-678.29%
Balance Sheet Oportun Financial Corporation
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Current Assets 60 M
Cash & Short-Term Investments 60 M
Receivables 0
Other Current Assets 0
Non-Current Assets 96.4 M
Long-Term Investments 0
PP&E 9.78 M
Other Non-Current Assets 86.6 M
Current Liabilities 18.2 M
Accounts Payable 0
Short-Term Debt 18.2 M
Other Current Liabilities 0
Non-Current Liabilities 2.86 B
Long-Term Debt 0
Other Non-Current Liabilities 2.86 B
EFFICIENCY
Earnings Waterfall Oportun Financial Corporation
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Revenue 1 B
Cost Of Revenue 0
Gross Profit 1 B
Operating Expenses 410 M
Operating Income 591 M
Other Expenses 670 M
Net Income -78.7 M
RATIOS
100.00% GROSS MARGIN
100.00%
59.03% OPERATING MARGIN
59.03%
-7.86% NET MARGIN
-7.86%
-22.24% ROE
-22.24%
-2.44% ROA
-2.44%
258.44% ROIC
258.44%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Oportun Financial Corporation
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Net Income -78.7 M
Depreciation & Amortization 0
Capital Expenditures 0
Stock-Based Compensation 0
Change in Working Capital 0
Others 472 M
Free Cash Flow 394 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Oportun Financial Corporation
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Wall Street analysts predict an average 1-year price target for OPRT of $9.25 , with forecasts ranging from a low of $3.5 to a high of $24 .
OPRT Lowest Price Target Wall Street Target
3.5 USD -50.50%
OPRT Average Price Target Wall Street Target
9.25 USD 30.83%
OPRT Highest Price Target Wall Street Target
24 USD 239.46%
4. DIVIDEND ANALYSIS
5. COMPETITION
6. Ownership
Insider Ownership Oportun Financial Corporation
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Sold
0-3 MONTHS
43.8 K USD 2
3-6 MONTHS
32.9 K USD 3
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
184 K USD 3
0-3 MONTHS
134 K USD 2
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
2 months ago
Dec 13, 2024
Bought 28.9 K USD
Daswani Mohit
Director
+ 7420
3.9 USD
2 months ago
Dec 13, 2024
Bought 58.4 K USD
Minetti Carlos
Director
+ 15000
3.89 USD
2 months ago
Dec 11, 2024
Bought 96.8 K USD
Williams R Neil
Director
+ 25000
3.87 USD
2 months ago
Dec 10, 2024
Sell 31.9 K USD
Kirscht Patrick
Chief Credit Officer
- 8403
3.8 USD
2 months ago
Dec 09, 2024
Sell 11.9 K USD
Mueller Casey
Global Controller and PAO
- 2962
4.01 USD
3 months ago
Nov 29, 2024
Bought 3.1 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 800
3.88 USD
3 months ago
Nov 27, 2024
Bought 96.6 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 24700
3.91 USD
3 months ago
Nov 27, 2024
Bought 34.1 K USD
Vazquez Raul
Chief Executive Officer
+ 8844
3.86 USD
5 months ago
Sep 10, 2024
Sell 914 USD
Mueller Casey
Global Controller and PAO
- 373
2.45 USD
5 months ago
Sep 10, 2024
Sell 19.1 K USD
Kirscht Patrick
Chief Credit Officer
- 7787
2.45 USD
5 months ago
Sep 10, 2024
Sell 1.84 K USD
Layton Kathleen I.
Chief Legal Officer
- 750
2.45 USD
5 months ago
Sep 10, 2024
Sell 11.1 K USD
Layton Kathleen I.
Chief Legal Officer
- 4538
2.45 USD
1 year ago
Sep 05, 2023
Sell 366 K USD
Institutional Venture Management XIV, LLC
10 percent owner
- 50000
7.31 USD
1 year ago
Mar 20, 2023
Bought 145 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 40000
3.62 USD
1 year ago
Mar 17, 2023
Bought 155 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 50000
3.1 USD
1 year ago
Mar 16, 2023
Bought 26.3 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 10000
2.63 USD
2 years ago
Nov 11, 2022
Bought 57.8 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 8575
6.7353 USD
2 years ago
Nov 10, 2022
Bought 190 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 29574
6.4167 USD
2 years ago
Nov 11, 2022
Bought 139 K USD
Vazquez Raul
Chief Executive Officer
+ 20577
6.7693 USD
2 years ago
Nov 10, 2022
Bought 209 K USD
Vazquez Raul
Chief Executive Officer
+ 32320
6.4642 USD
2 years ago
Jun 02, 2022
Sell 208 K USD
ALVAREZ AIDA
director:
- 18181
11.46 USD
2 years ago
Mar 14, 2022
Sell 73.7 K USD
Miramontes Louis
director:
- 5357
13.76 USD
3 years ago
Nov 12, 2021
Sell 253 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 9197
27.5 USD
3 years ago
Nov 11, 2021
Sell 253 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 9197
27.5 USD
3 years ago
Sep 24, 2021
Sell 95.1 K USD
Kirscht Patrick
Chief Credit Officer
- 3805
25 USD
3 years ago
Sep 10, 2021
Sell 49.3 K USD
Kirscht Patrick
Chief Credit Officer
- 2000
24.63 USD
3 years ago
Aug 31, 2021
Sell 49.6 K USD
Kirscht Patrick
Chief Credit Officer
- 2000
24.8 USD
3 years ago
Aug 30, 2021
Sell 213 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 8362
25.5 USD
3 years ago
Aug 06, 2021
Sell 260 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 10400
25 USD
3 years ago
Aug 05, 2021
Sell 110 K USD
Kirscht Patrick
Chief Credit Officer
- 5000
22 USD
4 years ago
Mar 03, 2021
Sell 4.05 M USD
Greylock XII GP LLC
10 percent owner
- 239401
16.9 USD
4 years ago
Mar 03, 2021
Sell 450 K USD
Greylock XII GP LLC
10 percent owner
- 26599
16.9 USD
3 years ago
Mar 25, 2021
Sell 49.4 K USD
Kirscht Patrick
Chief Credit Officer
- 2500
19.75 USD
4 years ago
Nov 25, 2020
Sell 377 K USD
Needham David Anthony
Chief Technology Officer
- 21000
17.975 USD
4 years ago
Nov 24, 2020
Sell 148 K USD
Kirscht Patrick
Chief Credit Officer
- 8229
18 USD
4 years ago
Oct 01, 2020
Sell 465 USD
Needham David Anthony
Chief Technology Officer
- 40
11.6298 USD
4 years ago
Oct 01, 2020
Sell 3.46 K USD
Aristei Joan
GC & Chief Risk Officer
- 297
11.6601 USD
4 years ago
Aug 31, 2020
Sell 5.26 K USD
Kirscht Patrick
Chief Credit Officer
- 411
12.8071 USD
4 years ago
Aug 31, 2020
Sell 54.6 K USD
Kirscht Patrick
Chief Credit Officer
- 4516
12.0871 USD
4 years ago
Sep 02, 2020
Sell 47.9 K USD
Kirscht Patrick
Chief Credit Officer
- 3909
12.2477 USD
4 years ago
Aug 31, 2020
Sell 3.96 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 309
12.806 USD
4 years ago
Aug 31, 2020
Sell 42.5 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 3321
12.806 USD
4 years ago
Aug 31, 2020
Sell 1.58 K USD
Needham David Anthony
Chief Technology Officer
- 123
12.8056 USD
4 years ago
Aug 31, 2020
Sell 27.1 K USD
Needham David Anthony
Chief Technology Officer
- 2115
12.8056 USD
4 years ago
Aug 31, 2020
Sell 34 K USD
Jenkins Matthew Wayne
COO & G.M. Personal Loans
- 2658
12.8075 USD
4 years ago
Aug 31, 2020
Sell 1.33 K USD
Aristei Joan
GC & Chief Compliance Officer
- 104
12.8032 USD
4 years ago
Aug 31, 2020
Sell 29 K USD
Aristei Joan
GC & Chief Compliance Officer
- 2265
12.8032 USD
4 years ago
Aug 03, 2020
Sell 38.4 K USD
Needham David Anthony
Chief Technology Officer
- 2855
13.4627 USD
4 years ago
Aug 03, 2020
Sell 5.79 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 434
13.3313 USD
4 years ago
Aug 03, 2020
Sell 57.7 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 4325
13.3313 USD
4 years ago
Jun 30, 2020
Sell 543 USD
Needham David Anthony
Chief Technology Officer
- 41
13.2402 USD
4 years ago
Jun 30, 2020
Sell 3.94 K USD
Aristei Joan
GC & Chief Compliance Officer
- 297
13.2664 USD
4 years ago
Jun 01, 2020
Sell 1.15 K USD
Needham David Anthony
Chief Technology Officer
- 112
10.2493 USD
4 years ago
Jun 01, 2020
Sell 3.8 K USD
Kirscht Patrick
Chief Credit Officer
- 372
10.2152 USD
4 years ago
Jun 01, 2020
Sell 2.85 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 281
10.1322 USD
4 years ago
Jun 01, 2020
Sell 953 USD
Aristei Joan
GC & Chief Compliance Officer
- 94
10.14 USD
4 years ago
May 28, 2020
Bought 383 K USD
Vazquez Raul
Chief Executive Officer
+ 38663
9.9106 USD
4 years ago
May 27, 2020
Bought 117 K USD
Vazquez Raul
Chief Executive Officer
+ 12650
9.2326 USD
4 years ago
May 26, 2020
Sell 52.4 K USD
Kirscht Patrick
Chief Credit Officer
- 6066
8.6434 USD
4 years ago
May 20, 2020
Sell 14.1 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
- 1903
7.4289 USD
4 years ago
May 20, 2020
Sell 9.96 K USD
Jenkins Matthew Wayne
COO & G.M. Personal Loans
- 1338
7.443 USD
4 years ago
May 20, 2020
Sell 10.6 K USD
Aristei Joan
GC & Chief Compliance Officer
- 1428
7.4269 USD
4 years ago
May 20, 2020
Sell 21.2 K USD
Kirscht Patrick
Chief Credit Officer
- 2858
7.4194 USD
4 years ago
May 20, 2020
Sell 10.6 K USD
Needham David Anthony
Chief Technology Officer
- 1426
7.4375 USD
5 years ago
Sep 30, 2019
Sell 29.6 M USD
Madrone Partners, L.P.
10 percent owner
- 1976455
15 USD
5 years ago
Sep 30, 2019
Sell 3.6 M USD
PASCARELLA CARL
Director
- 240000
15 USD
7. News
Oportun Financial Corporation (OPRT) Soars to 52-Week High, Time to Cash Out? Oportun Financial (OPRT) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues. zacks.com - 1 week ago
New Strong Buy Stocks for February 19th GE, OPRT, ENGN, FRSH and NVMI have been added to the Zacks Rank #1 (Strong Buy) List on February 19, 2024. zacks.com - 1 week ago
Best Value Stocks to Buy for February 19th OPRT, PRTH and DNOW made it to the Zacks Rank #1 (Strong Buy) value stocks list on February 19, 2024. zacks.com - 1 week ago
Singular Research Reports on Oportun Financial's Q4 and Full Year 2024 Results Los Angeles, California--(Newsfile Corp. - February 14, 2025) - Singular Research, a leading provider of independent research on small-cap companies, today released its analysis of Oportun Financial Corporation's (NASDAQ: OPRT) fourth quarter and full year 2024 financial results. A link to the report is available here: https://files.constantcontact.com/1683279a601/31fdf5bd-d506-4885-8225-9021aab520d2.pdf?rdr=true Key Financial Highlights: Q4 earnings exceeded expectations as the Company returned to GAAP profitability Total revenue for Q4 was $251 million Adjusted EPS for Q4 was $0.49, compared to $(0.21) in Q4 2023 Full year 2024 adjusted EPS was $0.69, compared to $(1.93) in 2023 Operational Analysis: The Company demonstrated significant improvement in key operational metrics during Q4 2024. newsfilecorp.com - 2 weeks ago
Oportun Financial Corporation (OPRT) Q4 2024 Earnings Call Transcript Oportun Financial Corporation (NASDAQ:OPRT ) Q4 2024 Earnings Conference Call February 12, 2025 5:00 PM ET Company Participants Dorian Hare - SVP, IR Raul Vazquez - CEO Jonathan Coblentz - CFO & CAO Conference Call Participants Rick Shane - JP Morgan John Hecht - Jefferies Hal Goetsch - B. Riley Securities Gowshi Sri - Singular Research Brendan McCarthy - Sidoti Vincent Caintic - BTIG Operator Good afternoon, and welcome to Oportun Financial's Fourth Quarter 2024 Earnings Call. seekingalpha.com - 2 weeks ago
Oportun Reports Fourth Quarter and Full Year 2024 Financial Results Returned to GAAP profitability with net income of $9 million in fourth quarter Adjusted EBITDA of $41 million, up 315% year-over-year Quarterly annualized net charge-off rate of 11.7% , lowest since third quarter of 2022 Total quarterly operating expenses of $89 million, reduced 31% year-over-year Raising full year 2025 expectations   SAN CARLOS, Calif., Feb. 12, 2025 (GLOBE NEWSWIRE) -- Oportun Financial Corporation (Nasdaq: OPRT) (“Oportun”, or the "Company") reported financial results today for the fourth quarter and full year ended December 31, 2024. globenewswire.com - 2 weeks ago
Oportun to Report Fourth Quarter 2024 Financial Results on Wednesday, February 12, 2025 SAN CARLOS, Calif., Jan. 29, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, will release financial results for its fourth quarter 2024 on Wednesday, February 12, 2025, after market close. globenewswire.com - 1 month ago
Oportun Completes $425 Million Asset Backed Securitization Transaction over seven times oversubscribed 6.95% average yield 127 basis points lower than prior August 2024 ABS financing SAN CARLOS, Calif., Jan. 16, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the issuance of $425 million of one-year revolving fixed rate asset-backed notes secured by a pool of unsecured and secured installment loans. globenewswire.com - 1 month ago
Oportun Is Below TBV, Growing And ~5x FY25 Earnings With $1B Revenue, 70%+ Upside Oportun Financial (OPRT) offers an attractive risk/reward profile, trading below tangible book value with potential for significant revenue and profit growth, driven by improved management and governance. OPRT's tangible book value per share is approximately $5.35, providing substantial downside protection and a margin of safety even at conservative valuations. FY25 profitability is expected to be strong, with economic earnings projected at $0.75+ per share, driven by reduced net charge-offs, automation, and deleveraging. seekingalpha.com - 1 month ago
Singular Research Highlights Oportun Financial Corp. in a Recent Report Los Angeles, California--(Newsfile Corp. - December 18, 2024) - Singular Research highlights Oportun Financial Corp (NASDAQ: OPRT), a leading financial services provider focused on credit solutions for underserved markets. Following an exceptional Q3 2024 performance, Oportun demonstrated significant financial improvements and operational efficiencies. newsfilecorp.com - 2 months ago
Oportun to Present at Sidoti December Virtual Investor Conference SAN CARLOS, Calif., Dec. 02, 2024 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that it will participate in the upcoming Sidoti December Virtual Investor Conference. globenewswire.com - 3 months ago
Oportun Holiday Savings Report Reveals Consumers Saved More For This Holiday Season Members increased savings by over 30% over last year, now leveraging funding ahead of holiday spending needs Members increased savings by over 30% over last year, now leveraging funding ahead of holiday spending needs globenewswire.com - 3 months ago
8. Profile Summary

Oportun Financial Corporation OPRT

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 255 M
Dividend Yield 0.00%
Description 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.
Contact 2 Circle Star Way, San Carlos, CA, 94070 https://www.oportun.com
IPO Date Sept. 26, 2019
Employees 2340
Officers Mr. Dorian Hare Senior Vice President of Investor Relations Mr. Jonathan Aaron Coblentz Chief Financial Officer & Chief Administrative Officer Mr. Deepak Rao Chief Technology Officer Mr. Patrick Kirscht Chief Credit Officer Mr. Raul Vazquez President, Chief Executive Officer & Director Ms. Kathleen I. Layton Chief Legal Officer & Corporate Secretary Mr. Ezra C. Garrett Senior Vice President of Public Affairs & Impact Mr. Gonzalo Palacio Chief Marketing Officer