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Financial Services - Financial - Credit Services - NASDAQ - US
$ 4.62
5.48 %
$ 167 M
Market Cap
-2.37
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OPRT stock under the worst case scenario is HIDDEN Compared to the current market price of 4.62 USD, Oportun Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OPRT stock under the base case scenario is HIDDEN Compared to the current market price of 4.62 USD, Oportun Financial Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one OPRT stock under the best case scenario is HIDDEN Compared to the current market price of 4.62 USD, Oportun Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart OPRT

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$9.0$9.0$8.0$8.0$7.0$7.0$6.0$6.0$5.0$5.0$4.0$4.0$3.0$3.0$2.0$2.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
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
-83.19%
251 M REVENUE
0.38%
161 M OPERATING INCOME
36.65%
8.74 M NET INCOME
129.17%
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
38.36 %6.25 %55.39 %Total Assets$156.3m
Current Liabilities 22.5 M
Accounts Payable 17.6 M
Short-Term Debt 0
Other Current Liabilities 4.9 M
Non-Current Liabilities 2.86 B
Long-Term Debt 18.2 M
Other Non-Current Liabilities 2.84 B
98.59 %Total Liabilities$2.9b
EFFICIENCY
Earnings Waterfall Oportun Financial Corporation
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Revenue 1 B
Cost Of Revenue -25 K
Gross Profit 1 B
Operating Expenses 410 M
Operating Income 591 M
Other Expenses 670 M
Net Income -78.7 M
1b1b1b1b800m800m600m600m400m400m200m200m00(200m)(200m)1b25k1b(410m)591m(670m)(79m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
59.04% OPERATING MARGIN
59.04%
-7.85% NET MARGIN
-7.85%
-22.24% ROE
-22.24%
-2.44% ROA
-2.44%
301.90% ROIC
301.90%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Oportun Financial Corporation
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400m400m350m350m300m300m250m250m200m200m150m150m100m100m50m50m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -78.7 M
Depreciation & Amortization 51.2 M
Capital Expenditures -19.2 M
Stock-Based Compensation 0
Change in Working Capital -30.3 M
Others 421 M
Free Cash Flow 374 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 $10.7 , with forecasts ranging from a low of $3.5 to a high of $24 .
OPRT Lowest Price Target Wall Street Target
3.5 USD -24.24%
OPRT Average Price Target Wall Street Target
10.7 USD 131.60%
OPRT Highest Price Target Wall Street Target
24 USD 419.48%
Price
Max Price Target
Min Price Target
Average Price Target
25252020151510105500May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Oportun Financial Corporation
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Sold
0-3 MONTHS
505 K USD 3
3-6 MONTHS
43.8 K USD 2
6-9 MONTHS
32.9 K USD 3
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
318 K USD 5
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Oportun Closes $187.5 Million Committed Warehouse Facility SAN CARLOS, Calif., April 02, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the closing of a new warehouse facility. globenewswire.com - 2 weeks ago
Oportun Comments on Director Nominations SAN CARLOS, Calif., March 27, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today confirmed receipt of a notice from Findell Capital Management LLC (“Findell”) nominating two directors to stand for election to the Oportun Board of Directors (the “Board”) at the Company's 2025 Annual Meeting of Shareholders. The Board issued the following statement in response: globenewswire.com - 2 weeks ago
Oportun Comments on Letter from Findell Capital SAN CARLOS, Calif., March 20, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today issued the following statement regarding a public letter from Findell Capital Management LLC (“Findell”): globenewswire.com - 3 weeks ago
FINDELL CAPITAL MANAGEMENT ISSUES OPEN LETTER TO BOARD AND SHAREHOLDERS OF OPORTUN (NASDAQ: OPRT) CALLING FOR LEADERSHIP CHANGE Announces Intent to Nominate Two Highly Qualified Director Candidates With Lending Experience to Replace CEO Raul Vasquez and Lead Director R. Neil Williams Criticizes Inexperienced Legacy Board Members for Standing in the Way of Significant Shareholder Value Creation Believes Oportun Is Significantly Undervalued NEW YORK , March 20, 2025 /PRNewswire/ -- Findell Capital Management LLC ("Findell"), which beneficially owns approximately 9.1% of the outstanding common stock of Oportun Financial Corporation ("Oportun" or the "Company"), today issued an open letter to the board of directors ("Board") and shareholders of Oportun (NASDAQ: OPRT) laying out the case for change to the leadership and composition of the Board. prnewswire.com - 3 weeks ago
Oportun to Present at Sidoti March Virtual Investor Conference SAN CARLOS, Calif., March 12, 2025 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that it will participate in the upcoming Sidoti March Virtual Investor Conference. globenewswire.com - 1 month ago
Oportun: Turning The Ship Around Oportun designs financial products for individuals with low credit scores, offering access through mobile app, website, telesales, and 128 retail locations. Utilizing AI and proprietary data, Oportun's underwriting models assess credit risk more effectively than traditional scoring methods. The company faced many problems in the past, which explain its low valuations. seekingalpha.com - 1 month ago
How Much Upside is Left in Oportun Financial (OPRT)? Wall Street Analysts Think 31.74% The average of price targets set by Wall Street analysts indicates a potential upside of 31.7% in Oportun Financial (OPRT). While the effectiveness of this highly sought-after metric is questionable, the positive trend in earnings estimate revisions might translate into an upside in the stock. zacks.com - 1 month ago
Oportun's Turnaround Looks Good Until You Check Under The Hood Oportun's Turnaround Looks Good Until You Check Under The Hood seekingalpha.com - 1 month ago
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 month 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 month 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 month ago
8. Profile Summary

Oportun Financial Corporation OPRT

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 167 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 2312
Officers Mr. Dorian Hare Senior Vice President of Investor Relations Mr. Raul Vazquez President, Chief Executive Officer & Director Mr. Ezra C. Garrett Senior Vice President of Public Affairs & Impact Ms. Kathleen I. Layton Chief Legal Officer & Corporate Secretary Mr. Patrick Kirscht Chief Credit Officer Mr. Deepak Rao Chief Technology Officer Mr. Gonzalo Palacio Chief Marketing Officer