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Financial Services - Financial - Credit Services - NASDAQ - US
$ 3.93
1.29 %
$ 141 M
Market Cap
-1.19
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one OPRT stock under the worst case scenario is HIDDEN Compared to the current market price of 3.93 USD, Oportun Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one OPRT stock under the base case scenario is HIDDEN Compared to the current market price of 3.93 USD, Oportun Financial Corporation is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one OPRT stock under the best case scenario is HIDDEN Compared to the current market price of 3.93 USD, Oportun Financial Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
1.06 B REVENUE
64.96%
-199 M OPERATING INCOME
-1119.19%
-180 M NET INCOME
-131.60%
393 M OPERATING CASH FLOW
58.44%
-286 M INVESTING CASH FLOW
75.57%
-104 M FINANCING CASH FLOW
-11.17%
250 M REVENUE
-0.18%
118 M OPERATING INCOME
0.00%
-30 M NET INCOME
3.45%
108 M OPERATING CASH FLOW
2.62%
-110 M INVESTING CASH FLOW
-79.60%
-6.28 M FINANCING CASH FLOW
-49.42%
Balance Sheet Oportun Financial Corporation
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Current Assets 231 M
Cash & Short-Term Investments 91.2 M
Receivables 8.78 M
Other Current Assets 131 M
Non-Current Assets 3.32 B
Long-Term Investments 0
PP&E 28.1 M
Other Non-Current Assets 3.29 B
Current Liabilities 407 M
Accounts Payable 13.7 M
Short-Term Debt 357 M
Other Current Liabilities 36.1 M
Non-Current Liabilities 2.96 B
Long-Term Debt 2.59 B
Other Non-Current Liabilities 365 M
EFFICIENCY
Earnings Waterfall Oportun Financial Corporation
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Revenue 1.06 B
Cost Of Revenue 0
Gross Profit 1.06 B
Operating Expenses 534 M
Operating Income -199 M
Other Expenses -18.8 M
Net Income -180 M
RATIOS
100.00% GROSS MARGIN
100.00%
-18.81% OPERATING MARGIN
-18.81%
-17.03% NET MARGIN
-17.03%
-44.50% ROE
-44.50%
-5.27% ROA
-5.27%
-4.24% ROIC
-4.24%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Oportun Financial Corporation
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Net Income -180 M
Depreciation & Amortization 54.9 M
Capital Expenditures -31.3 M
Stock-Based Compensation 18.6 M
Change in Working Capital -21 M
Others 499 M
Free Cash Flow 362 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 -10.94%
OPRT Average Price Target Wall Street Target
9.25 USD 135.37%
OPRT Highest Price Target Wall Street Target
24 USD 510.69%
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
318 K USD 5
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
1 month ago
Dec 13, 2024
Bought 28.9 K USD
Daswani Mohit
Director
+ 7420
3.9 USD
1 month ago
Dec 13, 2024
Bought 58.4 K USD
Minetti Carlos
Director
+ 15000
3.89 USD
1 month ago
Dec 11, 2024
Bought 96.8 K USD
Williams R Neil
Director
+ 25000
3.87 USD
1 month ago
Dec 10, 2024
Sell 31.9 K USD
Kirscht Patrick
Chief Credit Officer
- 8403
3.8 USD
1 month ago
Dec 09, 2024
Sell 11.9 K USD
Mueller Casey
Global Controller and PAO
- 2962
4.01 USD
1 month ago
Nov 29, 2024
Bought 3.1 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 800
3.88 USD
1 month ago
Nov 27, 2024
Bought 96.6 K USD
COBLENTZ JONATHAN AARON
CFO & Chief Admin Officer
+ 24700
3.91 USD
1 month ago
Nov 27, 2024
Bought 34.1 K USD
Vazquez Raul
Chief Executive Officer
+ 8844
3.86 USD
4 months ago
Sep 10, 2024
Sell 914 USD
Mueller Casey
Global Controller and PAO
- 373
2.45 USD
4 months ago
Sep 10, 2024
Sell 19.1 K USD
Kirscht Patrick
Chief Credit Officer
- 7787
2.45 USD
4 months ago
Sep 10, 2024
Sell 1.84 K USD
Layton Kathleen I.
Chief Legal Officer
- 750
2.45 USD
4 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
3 years ago
Mar 03, 2021
Sell 4.05 M USD
Greylock XII GP LLC
10 percent owner
- 239401
16.9 USD
3 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
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 - 1 month 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 - 1 month 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 - 1 month ago
Oportun Financial Corporation (OPRT) Q3 2024 Earnings Call Transcript Oportun Financial Corporation (NASDAQ:OPRT ) Q2 2024 Earnings Call Transcript November 12, 2024 5:00 PM ET Company Participants Dorian Hare - Investor Relations Raul Vazquez - Chief Executive Officer Jonathan Coblentz - Chief Financial Officer & Chief Administrative Officer Conference Call Participants John Hecht - Jefferies Gowshihan Sriharan - Singular Research Vincent Caintic - BTIG Operator Greetings and welcome to Oportun Financial's Third Quarter 2024 Earnings Call and Webcast. At this time, all participants are in a listen-only mode. seekingalpha.com - 2 months ago
Oportun Financial (OPRT) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Oportun Financial (OPRT) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 2 months ago
Oportun Completes Sale of its Credit Card Portfolio SAN CARLOS, Calif., Nov. 12, 2024 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that it has closed the previously agreed upon sale of its credit card portfolio to Continental Finance. Completing the transaction reflects a key milestone towards Oportun's initiative to enhance profitability in 2024 and beyond by simplifying the business and driving performance in its three core products: unsecured personal loans, secured personal loans, and its award-winning Set & Save™ savings product. globenewswire.com - 2 months ago
Oportun Financial: A Possible Turnaround Priced For Disaster, Speculative Buy Oportun is a financial services company offering competitive personal lending products and savings services through its award-winning platform. The company is significantly undervalued. OPRT management attempts a turnaround, expecting fundamental improvements. Macro/market tailwinds due to the Fed rate policy pivot may boost Oportun's financial performance. seekingalpha.com - 2 months ago
Oportun Announces Next Step to Optimize Capital Structure and Drive Improved Profitability SAN CARLOS, Calif., Oct. 29, 2024 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT) ("Oportun", or the "Company"), a mission-driven financial services company, announced today another important step in its plans to optimize the Company's capital structure and drive improved profitability. Following an extensive review of a range of alternatives led by the Board of Directors, Oportun has entered into a Credit Agreement to refinance its existing corporate financing facility with a new $235 million Senior Secured Term Loan (“Term Loan”). The refinancing will improve Oportun's operational and balance sheet flexibility with covenants that reflect the performance improvements made by the Company to date, including the agreement to sell the Company's credit card portfolio, and reward accretive actions and cash flow generation. The Term Loan will be provided by two firms (the “Lenders”), funds managed by Castlelake L.P., a global alternative investment manager specializing in asset-based private credit that led the refinancing, and funds managed by Neuberger Berman, a private employee-owned investment manager. The Term Loan will carry a 15% fixed rate and mature in November 2028. globenewswire.com - 2 months ago
Oportun Financial Corporation (OPRT) Earnings Expected to Grow: Should You Buy? Oportun Financial (OPRT) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
Oportun Announces Definitive Agreement to Sell its Credit Card Portfolio SAN CARLOS, Calif., Sept. 25, 2024 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced that it has signed a definitive agreement to sell its credit card portfolio to Continental Finance. This transaction reflects a key milestone towards Oportun's initiative to enhance profitability in 2024 and beyond by simplifying the business and driving performance in its three core products: unsecured personal loans, secured personal loans, and its award-winning Set & Save™ savings product. globenewswire.com - 3 months ago
Oportun Announces $306 Million Committed Warehouse Facility Extension SAN CARLOS, Calif., Sept. 23, 2024 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven financial services company, today announced the closing of an amendment and extension to its long-term warehouse facility. Features of this facility include: globenewswire.com - 3 months ago
Oportun to Present at Sidoti September Virtual Investor Conference SAN CARLOS, Calif., Sept. 16, 2024 (GLOBE NEWSWIRE) -- Oportun (Nasdaq: OPRT), a mission-driven fintech, today announced that it will participate in the upcoming Sidoti September Virtual Investor Conference. globenewswire.com - 4 months ago
8. Profile Summary

Oportun Financial Corporation OPRT

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 141 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. Raul Vazquez President, Chief Executive Officer & Director Mr. Deepak Rao Chief Technology Officer Mr. Jonathan Aaron Coblentz Chief Financial Officer & Chief Administrative Officer Mr. Ezra C. Garrett Senior Vice President of Public Affairs & Impact Ms. Kathleen I. Layton Chief Legal Officer & Corporate Secretary Mr. Gonzalo Palacio Chief Marketing Officer Mr. Patrick Kirscht Chief Credit Officer Mr. Casey Mueller CPA Senior Vice President of Finance, Global Controller & Principal Accounting Officer