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Oportun Financial Corporation (OPRT)

NASDAQ / Financial Services / Financial - Credit Services

Share price

9.21 USD Market dataClose of Oct 15, 2026

Market capitalisation

423.5M USD Market dataClose of Oct 15, 2026
Market data
Oct 15, 2026
Filed accounts
FY2025, filed Feb 27, 2026
Ratios computed
Oct 15, 2026
Filed years
9, FY2017 to FY2025
Four kinds of sourceSEC filingCompany statementMarket dataComputedWhat each means
SEC filingFiled with the SEC
Read from a statement the company filed with the SEC, with the form, fiscal year, filing date and accession beside it.
Company statementCompany statement
What the company says about itself in a filing: an 8-K item, the auditor, its own segment names.
Market dataMarket data
Prices, market value and what analysts publish, with the date they are as of.
ComputedComputed by ValueScreener
Worked out by us from the other three, with the inputs and the formula one press away. A score is a research output, not a rating or a recommendation.
Reading

1 of 10

Overview

What the business is, what it costs, and how it reads on four questions.

Market dataSEC filingComputed

Four questions, at a glance

Quality

Return on equity

6.5% Computed

From the FY2025 filing

Read quality

Financial strength

Debt to equity

n/a Computed

From the FY2025 filing

Why n/a

The filed borrowings do not add up to a total we can stand behind: the filer's own liability subtotals leave room for debt we did not read.

Read financial strength

Valuation

Price to earnings

17.06x Computed

FY2025 accounts, priced at the latest close

Read valuation

Cash generation

Free cash flow yield

n/a Computed

FY2025 accounts, priced at the latest close

Why n/a

We do not hold this figure for this company, so there is nothing to show.

Read cash generation

Revenue and net income, by fiscal year

FY2016 Revenue: 277.5M USDFY2016 Net income: 50.9M USDFY2017 Revenue: 361.0M USDFY2017 Net income: -10.2M USDFY2018 Revenue: 497.6M USDFY2018 Net income: 123.4M USDFY2019 Revenue: 600.1M USDFY2019 Net income: 61.6M USDFY2020 Revenue: 583.7M USDFY2020 Net income: -45.1M USDFY2021 Revenue: 626.8M USDFY2021 Net income: 47.4M USDFY2022 Revenue: 952.5M USDFY2022 Net income: -77.7M USDFY2023 Revenue: 1.06B USDFY2023 Net income: -180.0M USDFY2024 Revenue: 1.00B USDFY2024 Net income: -78.7M USDFY2025 Revenue: 956.7M USDFY2025 Net income: 25.2M USD
Revenue Net income10 fiscal years; a year whose statement names no SEC filing is market data, and the table in Filings says which.
Named tests met
3 of 30 Which tests
The business, and the score behind its five axes

The reading, in brief

Is it cheap

Price to earnings is 17.06x at the close of 2026-10-15 on FY2025 figures; the lines are 15.00x (Graham's defensive ceiling) and, by market convention, 10.00x, 25.00x and 40.00x, and this sits between 15.00x and 25.00x.

Today, against the Financial - Credit Services industry (43 companies), 17.06x sits at the 69th percentile; the middle half of that group runs from 6.66x to 19.92x.

Is it good

Return on equity was 6.5% in FY2025, in the band labelled "Likely below the cost of equity" (below 8.0%), on lines anchored on Damodaran's cost-of-capital data, suggesting returns on shareholders' money below the usual cost of equity.

Today, against the Financial - Credit Services industry (53 companies), 6.5% sits at the 31st percentile; the middle half of that group runs from 5.5% to 21.2%.

Year by year against peers
Whether Oportun Financial Corporation's return on equity stayed above the median of the Financial - Credit Services industry, year by year. (FY2020 to FY2025, 6 fiscal years of Oportun Financial Corporation with a comparable figure)
The direction
Which way Oportun Financial Corporation's revenue growth, five years has moved, and how steadily. (FY2016 to FY2025, 10 filed years of Oportun Financial Corporation)
What could explain it
What in Oportun Financial Corporation's filed statements could explain the movements. (3 readings drawn from the statement lines Oportun Financial Corporation filed)
What to check next
What to check next on Oportun Financial Corporation, and where in its filings. (2 questions for Oportun Financial Corporation)
In one paragraph
One paragraph on Oportun Financial Corporation's returns, cash, balance sheet and price. (4 of sixteen figures read for Oportun Financial Corporation)

These are OPRT’s filed figures. The research desk says what they mean, against peers and its own years, with what to check next.

Research OPRTPart of Serious. New accounts start with 30 days of Professional, free, no card.

2 of 10

What changed

The newest filing, what it moved, and when the next one is due.

SEC filingCompany statement

The newest accounts on file are the FY2025 annual report: 10-K, filed Feb 27, 2026, accession 0001538716-26-000015.

3 of 10

Quality

The returns the business earns on its capital, and the margins behind them.

SEC filingComputed

Oportun Financial Corporation: returns on capital and margins, each with its source
FigureValue, source and document
Return on invested capital, after tax
Why n/a

The filed borrowings do not add up to a total we can stand behind: the filer's own liability subtotals leave room for debt we did not read.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Return on equity6.5% ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Return on capital employed, pre-tax
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Return on assets0.8% ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Gross margin
Why n/a

Our archived statements for this filer carry no gross profit line, so there is nothing to compute a gross margin from and trace back to source. That may be because the filer presents no cost of revenue, or because we have not captured the concept. We do not guess which.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Operating margin
Why n/a

No operating income line is filed for this year.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Net margin2.6% ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
OPRT 2.6%
NRDS 5.8%GDOT -4.8%RM 6.9%PRAA -25.4%LU -7.8%
-25.4%6.9%
Net margin: OPRT against the 5 companies named under Valuation context, each as filed for its own latest year. Placement only: no average is drawn.

4 of 10

Financial strength

What it owes against what it owns, and whether it can meet what falls due.

SEC filingComputedCompany statement

Oportun Financial Corporation: leverage, liquidity and distress, each with its source
FigureValue, source and document
Debt to equity
Why n/a

The filed borrowings do not add up to a total we can stand behind: the filer's own liability subtotals leave room for debt we did not read.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Current ratio
Why n/a

Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Quick ratio
Why n/a

Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Interest coverage
Why n/a

No operating income line is filed for this year.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Altman Z-score
Why n/m

Altman's Z-Score was estimated on manufacturers and explicitly excludes financial firms. A financial company scores in the distress zone by construction, so the number would be wrong rather than alarming. Not applicable to financials.

n/m ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Net debt
Why n/a

The FY2025 balance sheet carries no net debt we could read.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Total assets 3.26BTotal liabilities 2.87BShareholders' equity 390.1MOwnsOwes, and equity
Total assets Total liabilities Shareholders’ equity
The balance sheet, line by line

Financial health

What Oportun Financial Corporation owned and owed at the end of fiscal 2025, from the balance sheet it filed (10-K, filed Feb 27, 2026, 0001538716-26-000015).

Oportun Financial Corporation: balance sheet position
Total assets3.26B FiledFY2025 10-K, filed Feb 27, 2026
Total liabilities2.87B FiledFY2025 10-K, filed Feb 27, 2026
Shareholders' equity390.1M FiledFY2025 10-K, filed Feb 27, 2026
Cash105.5M FiledFY2025 10-K, filed Feb 27, 2026
Total debtn/a FiledFY2025 10-K, filed Feb 27, 2026
Net debtn/a
Current ration/a
Debt to equityn/a
  • Debt to equity: FY2025: The filed borrowings do not add up to a total we can stand behind: the filer's own liability subtotals leave room for debt we did not read.
  • Current ratio: FY2025: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
  • Interest cover: FY2025: No operating income line is filed for this year.

Read from the filed balance sheet for each year, with the income statement of the same year supplying operating profit where a ratio needs it. Nothing here is a view on whether this company is sound.

5 of 10

Valuation context

What the market charges for it, against its own record and companies like it.

Market dataSEC filingComputed

Oportun Financial Corporation: what the market charges, each with its source
FigureValue, source and document
Price to earnings17.06x ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
P/E on trailing twelve months23.03x ComputedClose of Oct 15, 2026 · Trailing four quarters, each as known on the day; the quarterly filings are listed under Filings
Price to book1.13x ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Price to sales0.46x ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Enterprise value to EBIT
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Enterprise value to EBITDA
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Price to earnings over growth
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Diluted earnings per share0.53 USD FiledFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Graham number9.95 USD ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015

We publish no fair value or price target of our own. Value OPRT on your own assumptions in the DCF workbench, starting from the filed figures.

Its own record, and companies like it

Valuation

What the market charges for Oportun Financial Corporation today, and the multiples it has carried. No value of ours: the figures are the filings’ and the market’s.

Oportun Financial Corporation: valuation
Share price9.21 USD
Market capitalisation423.5M USD
Enterprise value to EBITDAn/a
Graham number9.95 USD
Diluted earnings per share, FY20250.53 USD

Price to earnings on trailing twelve months, a different basis from the fiscal-year P/E above, since Aug 7, 2020: low 1.78x, median 9.86x, high 58.80x, latest 23.03x. 554 trading days with a meaningful ratio, 1,001 more on a loss and left out. Each close over the trailing twelve months of earnings as known that day: a quarter counts from the day it was filed.

Companies like Oportun Financial Corporation

  1. NerdWallet, Inc. (NRDS)Market cap 641.1M USD
  2. Green Dot Corporation (GDOT)Market cap 698.6M USD
  3. Regional Management Corp. (RM)Market cap 318.0M USD
  4. PRA Group, Inc. (PRAA)Market cap 751.1M USD
  5. Lufax Holding Ltd (LU)Market cap 765.7M USD

Same industry (Financial - Credit Services) and size band (Small, 300M to 2B), nearest in market value and net margin. Each of those counts equally, by how many of the companies considered sit between the two on it. Closest first: the order is likeness and nothing else.

6 of 10

Cash generation

Whether profit arrives as cash, and what is paid back to shareholders.

Computed

Oportun Financial Corporation: cash generation and what is paid out, each with its source
FigureValue, source and document
Free cash flow yield
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Free cash flow
Why n/a

The FY2025 filing carries no free cash flow we could read.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Free cash flow margin
Why n/a

No free cash flow, and no operating cash flow and capital expenditure pair, is filed for this year.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Dividend yield
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedClose of Oct 15, 2026 · FY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Payout ratio
Why n/a

We do not hold this figure for this company, so there is nothing to show.

n/a ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
FY2016 Free cash flow: 99.7M USDFY2016 Net income: 50.9M USDFY2017 Free cash flow: 130.6M USDFY2017 Net income: -10.2M USDFY2018 Free cash flow: 123.8M USDFY2018 Net income: 123.4M USDFY2019 Free cash flow: 209.5M USDFY2019 Net income: 61.6M USDFY2020 Free cash flow: 148.0M USDFY2020 Net income: -45.1M USDFY2021 Free cash flow: 151.2M USDFY2021 Net income: 47.4M USDFY2022 Free cash flow: 241.9M USDFY2022 Net income: -77.7M USDFY2023 Net income: -180.0M USDFY2024 Net income: -78.7M USDFY2025 Net income: 25.2M USD
Free cash flow Net incomeProfit that arrives as cash stands level with net income; a gap year after year is worth reading about.

7 of 10

Filings

Every figure, the year it is for and the document it was read from.

SEC filingMarket data

The filed figures

Computed from the accounts this company filed with the SEC and, in a ratio with a price in it, the last close, dated on this page. Every filed figure below carries the fiscal year and the filing date its accounts were read from, and every blank carries the reason it is blank. Nothing here is a view on this company.

Oportun Financial Corporation: the eight ratios, with the fiscal year and filing date behind each.
FigureValueYearAs of
17.06xFY2025Oct 15, 2026
1.13xFY2025Oct 15, 2026
n/aFY2025Oct 15, 2026
n/a Enterprise value is the market value plus total debt less cash, and the filed balance sheet reports no debt total or no cash.
n/aFY2025Oct 15, 2026
n/a The filed cash flow statement reports neither free cash flow nor the operating cash flow and capital spending it is built from.
n/aFY2025Feb 27, 2026
n/a The filed borrowings do not add up to a total we can stand behind: the filer's own liability subtotals leave room for debt we did not read.
n/aFY2025Oct 15, 2026
n/a The filed cash flow statement reports no dividend paid at all. That is not the same as a filed zero, and we will not read it as one.
n/aFY2025Feb 27, 2026
n/a The filed borrowings do not add up to a total we can stand behind: the filer's own liability subtotals leave room for debt we did not read.
n/aFY2025Feb 27, 2026
n/a Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
0.46xFY2025Oct 15, 2026
n/aFY2025Oct 15, 2026
n/a This figure compares a year against the one before it, and we hold one filed year for this company.
n/mFY2025Oct 15, 2026
n/m Not meaningful for this company, such as a P/E on negative earnings or a bank's EV/EBIT.
-2.59FY2025Feb 27, 2026
4/9FY2025Feb 27, 2026

The figures are computed from the accounts for fiscal 2025, the newest full year on file. 9 filed fiscal years on record, FY2017 to FY2025, from SEC EDGAR. Prices as of Oct 15, 2026. Ratios recomputed Oct 15, 2026. Two facts, because a recompute is not a fresh quote.

The year and the filing date name the statement each figure’s accounts are read from, and they stand even where the figure itself could not be computed: the line beneath a blank says what that statement did not carry. A figure’s name opens its formula and the filings behind it; a statement that names no SEC filing has no filing date, and reads n/a.

Ten years of filed figures, year by year

Ten years of filed figures

10 fiscal years, FY2016 to FY2025. 9 read from the annual reports Oportun Financial Corporation filed with the SEC, each naming its filing; the rest from statements that name none, which are market data. Amounts in USD, as reported.

Oportun Financial Corporation: revenue, earnings, free cash flow and returns, by fiscal year, with the filing each year was read from
YearRevenueOperating incomeNet incomeEPS, dilutedFree cash flowOperating marginReturn on equityFiling
FY2025956.7M275.6M25.2M0.53n/an/a6.5%10-K, Feb 27, 20260001538716-26-000015
FY20241.00B123.0M-78.7M-1.95n/an/a-22.2%10-K, Feb 20, 20250001538716-25-000013
FY20231.06B-74.2M-180.0M-4.88n/an/a-44.5%10-K, Mar 15, 20240001538716-24-000032
FY2022952.5M17.8M-77.7M-2.37241.9Mn/a-14.2%10-K, Mar 14, 20230001538716-23-000035
FY2021626.8M110.5M47.4M1.56151.2Mn/a7.8%10-K, Mar 1, 20220001538716-22-000019
FY2020583.7M274.0K-45.1M-1.65148.0Mn/a-9.7%10-K, Feb 23, 20210001538716-21-000030
FY2019600.1M145.0M61.6M0.40209.5Mn/a12.6%10-K, Feb 28, 20200001538716-20-000005
FY2018497.6M217.0M123.4M4.47123.8Mn/a35.6%10-K, Feb 28, 20200001538716-20-000005
FY2017361.0M38.5M-10.2M-4.22130.6Mn/an/a10-K, Feb 28, 20200001538716-20-000005
FY2016277.5M16.1M50.9M2.2099.7M5.8%22.8%Market data, supplied Oct 15, 2026accession n/a
  • Revenue, compound annual growth FY2016 to FY2025: 14.7%
  • Earnings, compound annual growth FY2016 to FY2025: -7.5%
  • Earnings per share, compound annual growth FY2016 to FY2025: -14.6%
  • Free cash flow, compound annual growth FY2016 to FY2022: 15.9%

Every figure in this section is a line of a filed annual statement or a ratio of two of them. Nothing here is estimated or smoothed. Earnings per share filed before a share split are put on today's share count, and say so. Nothing here is a verdict on the company.

8 of 10

Risks and guardrails

The accounting screens, the published tests, and the lines you can set to be told.

ComputedCompany statement

Oportun Financial Corporation: accounting screens and published tests, each with its source
FigureValue, source and document
Beneish M-score-2.59 ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Piotroski F-score4/9 ComputedFY2025 10-K, filed Feb 27, 2026, 0001538716-26-000015
Named tests met3 of 30 Computed
Beta2.20 ComputedClose of Oct 15, 2026

The named tests

Of 30 tests value investors published: 3 met, 18 not met, 9 we could not complete. Counts, never a score: a single figure would have to decide that meeting one investor’s criteria and meeting another’s are worth the same.

Which tests, by name(all 30)
Meets
P/E times P/B (Benjamin Graham); Owner earnings yield; Low P/S, rising earnings (James O'Shaughnessy)
Does not
Defensive investor (Benjamin Graham); Deep value; Large cap, low P/E; High F-score, low P/B (Joseph Piotroski); Three forensic scores; High returns and growth; Gross margin, turnover (Robert Novy-Marx); Dividends and buybacks; Low beta, profitable; Near the 52-week low; High returns, low debt; High return on tangibles; Book or below, low debt (Walter Schloss); Tangible book or below; Clean books, high ROIC; Cheapest quarter on P/E (David Dreman); Cheapest quarter on P/B (David Dreman); Low P/E, growth, yield (John Neff)
Not measured
Earnings yield and ROIC (Joel Greenblatt); Low PEG, low debt (Peter Lynch); EV/EBITDA and coverage; High yield, low payout; ROIC at or above WACC; Z-score and coverage (Edward Altman); Two thirds of NCAV (Benjamin Graham); Cash-covered dividend; Cash-flow yield and ROIC. A test with a figure we could not read is incomplete, never met and never failed.
Figures we could not read(18)
  • Current Ratio: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
  • Debt to Equity: The filed borrowings do not add up to a total we can stand behind: the filer's own liability subtotals leave room for debt we did not read.
  • EV/EBIT: We do not hold this figure for this company, so there is nothing to show.
  • Return on Invested Capital: The filed borrowings do not add up to a total we can stand behind: the filer's own liability subtotals leave room for debt we did not read.
  • Altman Z-Score: Altman's Z-Score was estimated on manufacturers and explicitly excludes financial firms. A financial company scores in the distress zone by construction, so the number would be wrong rather than alarming. Not applicable to financials.
  • PEG Ratio: We do not hold this figure for this company, so there is nothing to show.
  • Eps Growth 5Y: We do not hold this figure for this company, so there is nothing to show.
  • Gross Margin: Our archived statements for this filer carry no gross profit line, so there is nothing to compute a gross margin from and trace back to source. That may be because the filer presents no cost of revenue, or because we have not captured the concept. We do not guess which.
  • EV/EBITDA: We do not hold this figure for this company, so there is nothing to show.
  • Interest Coverage: No operating income line is filed for this year.
  • Dividend Yield: We do not hold this figure for this company, so there is nothing to show.
  • Payout Ratio: We do not hold this figure for this company, so there is nothing to show.
  • Free Cash Flow Yield: We do not hold this figure for this company, so there is nothing to show.
  • ROIC-WACC Spread: We do not hold this figure for this company, so there is nothing to show.
  • Price To Ncav: Our archived statements for this filer carry no current assets line, so we cannot compute this from source and show you where it came from.
  • Capex To Ocf: We do not hold this figure for this company, so there is nothing to show.
  • Dividend Coverage Ratio: We do not hold this figure for this company, so there is nothing to show.
  • Dividend Streak: We do not hold this figure for this company, so there is nothing to show.

9 of 10

Declared positions

Whether anybody here owns this company.

Positions declared by the founder: no holding in any company shown here, as of October 3, 2026.

10 of 10

Next step

What to do with what you have read.

A thesis is your reason for owning it, in your words, with the figures that must stay true. Checking those figures every night against the newest filed accounts, and telling you once when one breaks, is what the subscription adds.

More on this company

What this cannot tell you

  • 18 figures could not be read on this company, among them Current Ratio, Debt to Equity, EV/EBIT. Each blank in the table above names the rest, with its reason. 9 named tests come back incomplete because of them, which is neither met nor missed.
  • We hold 9 filed fiscal years rather than 10, so the run above is shorter than a full decade and is counted as what it is.

And the one that is true of all of it: This is what the numbers say today. It cannot tell you the day one of them stops being true. Nothing here can, because the reasons are not written down.

Running this once is arithmetic on public documents and you are welcome to it. Writing down why you own each company, in your own words and with the numbers that have to stay true for it to hold, and then having those numbers re-checked every night against the newest filed accounts, and against the latest close where a rule watches a price, is Professional, the plan a new account starts on for 30 days, one trial per person. It writes to you the day one breaks, and stays quiet when nothing does. The check runs every night at 23:30 UTC. A filing is picked up the night after it is published.

No card. 30 free days, and nothing is charged unless you choose a plan.

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ValueScreener · valuescreener.ai · Computed from accounts filed with the SEC by this company, read from EDGAR, and from dated closing prices. On this page a filed figure opens into its formula, its inputs and the statement, fiscal year and filing date it was read from, and a price into the day of its close. A figure that cannot show that trail says so.

A computation on accounts filed with the SEC, not a recommendation and not advice. Past filings do not indicate future results. Risk disclaimer.

Once a week, what changed in the filings of US-listed companies, why it can matter to a thesis, and what deserves a closer review. Grounded in filings, not market noise.

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Risk disclaimer. This service is provided for research and education only. Nothing on it is investment advice, a recommendation, or an offer to buy or sell any security. Capital is at risk, and past performance does not indicate future results. Figures come from filed accounts and may be incomplete, delayed or later restated, so verify a number against the filing before you act on it.