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Oportun Financial Corporation OPRT

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12.53 USD +2.49 (+24.85%)

Nov 4, 2026, 12:21 PM EST

11.74 Day range 12.98
4.03 52-week range 12.98
YTD
+136.95%
1 year
+144.35%

Financial health

Altman Z-Score

0.35 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 3
  • Debt / Equity 4
  • P/E 3
  • P/B 3

Valuation

P/E 10.0×
FY 2016: 7.0×FY 2017: -35.2×FY 2018: 2.9×FY 2019: 51.7×FY 2020: -11.7×FY 2021: 12.1×FY 2022: -2.3×FY 2023: -0.8×FY 2024: -2.0×FY 2025: 10.0×
FY 2016 5y median -0.8× FY 2025
P/S 0.4×
FY 2016: 1.3×FY 2017: 1.0×FY 2018: 0.7×FY 2019: 0.4×FY 2020: 1.3×FY 2021: 1.0×FY 2022: 0.2×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
P/B 0.6×
FY 2016: 1.6×FY 2017: 1.6×FY 2018: 1.0×FY 2019: 0.5×FY 2020: 1.1×FY 2021: 0.9×FY 2022: 0.3×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.4× FY 2025
P/FCF 0.7×
FY 2016: 3.6×FY 2017: 2.8×FY 2018: 3.0×FY 2019: 1.2×FY 2020: 4.0×FY 2021: 4.2×FY 2022: 0.9×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025
EV/EBITDA 34.6×
FY 2016: 42.1×FY 2017: 98.1×FY 2018: 8.8×FY 2019: 18.4×FY 2020: -55.5×FY 2021: 33.8×FY 2022: -121×FY 2023: -16.5×FY 2024: -45.6×FY 2025: 34.6×
FY 2016 5y median -16.5× FY 2025
EV/Sales 4.6×
FY 2016: 3.7×FY 2017: 3.4×FY 2018: 3.1×FY 2019: 3.6×FY 2020: 5.3×FY 2021: 5.3×FY 2022: 4.6×FY 2023: 7.1×FY 2024: 5.5×FY 2025: 4.6×
FY 2016 5y median 5.3× FY 2025
FCF Yield 153.7%
FY 2016: 28.1%FY 2017: 35.7%FY 2018: 33.8%FY 2019: 86.4%FY 2020: 24.8%FY 2021: 24.0%FY 2022: 110.0%FY 2023: 250.7%FY 2024: 239.1%FY 2025: 153.7%
FY 2016 5y median 153.7% FY 2025

Profitability

Gross Margin 63.7%
FY 2016: 64.3%FY 2017: 62.7%FY 2018: 87.9%FY 2019: 88.9%FY 2020: 85.2%FY 2021: 91.8%FY 2022: 87.3%FY 2023: 61.0%FY 2024: 55.3%FY 2025: 63.7%
FY 2016 5y median 63.7% FY 2025
Operating Margin 6.9%
FY 2016: 5.8%FY 2017: 0.6%FY 2018: 32.7%FY 2019: 16.8%FY 2020: -14.8%FY 2021: 10.9%FY 2022: -10.3%FY 2023: -55.1%FY 2024: -21.6%FY 2025: 6.9%
FY 2016 5y median -10.3% FY 2025
Net Margin 4.0%
FY 2016: 18.3%FY 2017: -2.8%FY 2018: 23.7%FY 2019: 12.2%FY 2020: -11.5%FY 2021: 8.2%FY 2022: -10.6%FY 2023: -39.1%FY 2024: -14.8%FY 2025: 4.0%
FY 2016 5y median -10.6% FY 2025
ROE 6.5%
FY 2016: 22.7%FY 2017: -4.7%FY 2018: 35.6%FY 2019: 12.6%FY 2020: -9.7%FY 2021: 7.9%FY 2022: -14.2%FY 2023: -44.5%FY 2024: -22.2%FY 2025: 6.5%
FY 2016 5y median -14.2% FY 2025
ROIC 13.9%
FY 2016: 1.7%FY 2017: -12.9%FY 2018: 263.8%FY 2019: 2.8%FY 2020: -2.3%FY 2021: 1.6%FY 2022: -2.1%FY 2023: -5.3%FY 2024: -2.5%FY 2025: 13.9%
FY 2016 5y median -2.1% FY 2025
ROA 0.8%
FY 2016: 5.3%FY 2017: -0.8%FY 2018: 7.1%FY 2019: 2.8%FY 2020: -2.2%FY 2021: 1.6%FY 2022: -2.2%FY 2023: -5.3%FY 2024: -2.4%FY 2025: 0.8%
FY 2016 5y median -2.2% FY 2025

Growth (YoY)

Revenue 19.5%
FY 2016: 42.2%FY 2017: 30.1%FY 2018: 44.2%FY 2019: -3.4%FY 2020: -21.8%FY 2021: 47.0%FY 2022: 26.9%FY 2023: -37.3%FY 2024: 15.9%FY 2025: 19.5%
FY 2016 FY 2025
Operating Income 138.3%
FY 2016: 68.7%FY 2017: -87.1%FY 2018: 8121.1%FY 2019: -50.4%FY 2020: -168.8%FY 2021: 208.1%FY 2022: -219.9%FY 2023: -236.9%FY 2024: 54.6%FY 2025: 138.3%
FY 2016 FY 2025
EPS (diluted) 127.2%
FY 2016: 609.7%FY 2017: -120.9%FY 2018: 1315.2%FY 2019: -92.8%FY 2020: -512.5%FY 2021: 194.5%FY 2022: -251.9%FY 2023: -105.9%FY 2024: 60.0%FY 2025: 127.2%
FY 2016 FY 2025
Free Cash Flow 3.9%
FY 2016: 77.1%FY 2017: 27.5%FY 2018: -5.2%FY 2019: 59.6%FY 2020: -31.8%FY 2021: 4.5%FY 2022: 45.3%FY 2023: 81.7%FY 2024: 3.5%FY 2025: 3.9%
FY 2016 FY 2025

Financial Health

Current Ratio 9.2×
FY 2016: 7.2×FY 2017: 0.4×FY 2018: 1.2×FY 2019: 1.4×FY 2020: 0.7×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 2.7×FY 2025: 9.2×
FY 2016 5y median 0.4× FY 2025
Quick Ratio 9.2×
FY 2016: 7.2×FY 2017: 1.1×FY 2018: 3.1×FY 2019: 1.4×FY 2020: 0.7×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 2.7×FY 2025: 9.2×
FY 2016 5y median 0.4× FY 2025
Debt / Equity 7.2×
FY 2016: 3.2×FY 2017: 4.3×FY 2018: 3.8×FY 2019: 3.4×FY 2020: 3.7×FY 2021: 4.3×FY 2022: 6.0×FY 2023: 8.0×FY 2024: 8.0×FY 2025: 7.2×
FY 2016 5y median 7.2× FY 2025
Net Debt / EBITDA 31.6×
FY 2016: 27.5×FY 2017: 70.0×FY 2018: 6.8×FY 2019: 16.2×FY 2020: -41.5×FY 2021: 27.5×FY 2022: -115×FY 2023: -15.8×FY 2024: -43.2×FY 2025: 31.6×
FY 2016 5y median -15.8× FY 2025
Interest Coverage 0.2×
FY 2016: 0.6×FY 2017: 0.1×FY 2018: 3.6×FY 2019: 1.4×FY 2020: -1.0×FY 2021: 1.3×FY 2022: -0.8×FY 2023: -1.4×FY 2024: -0.5×FY 2025: 0.2×
FY 2016 5y median -0.5× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31