| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| ENVAEnova International, Inc. | 3.84B | 155.23 | 20.89 | 25.51% | 7.88% | 22.83% | 38.96% | 3.00 |
| FOAFinance Of America Companies Inc. | 194.36M | 24.63 | 20.87 | 24.25% | 0.79% | 1.65% | 90.98 | |
| OMFOneMain Holdings, Inc. | 7.66B | 65.04 | 15.34 | 7.98% | 8.9% | 20.87% | 35.25% | 6.72 |
| ATLCAtlanticus Holdings Corporation | 917.58M | 60.60 | 12.70 | 13.46% | 8.49% | 20.24% | 50.96% | 5.12 |
| RMRegional Management Corp. | 369.48M | 38.04 | 9.19 | 6.73% | 7.01% | 11.14% | 71.42% | 4.24 |
| WRLDWorld Acceptance Corporation | 703.06M | 139.55 | 8.56 | -1.46% | 15.89% | 15.61% | 35.63% | 1.20 |
| MFINMedallion Financial Corp. | 234.19M | 10.06 | 6.62 | 14.65% | 12.3% | 8.96% | 49.32% | 0.66 |
| OPRTOportun Financial Corporation | 226.38M | 5.13 | -2.63 | 15.93% | -14.75% | 7.97% | 100% | 7.98 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 225.38M | 291.54M | 401.86M | 483.58M | 487.1M | 528.17M | 786.91M | 805.16M | 711.53M |
| NII Growth % | - | 0.29% | 0.38% | 0.2% | 0.01% | 0.08% | 0.49% | 0.02% | -0.12% |
| Net Interest Margin % | - | - | - | - | - | - | - | - | - |
| Interest Income | 254.15M | 327.94M | 448.78M | 544.1M | 545.5M | 575.8M | 876.1M | 984.57M | 949.69M |
| Interest Expense | 28.77M | 36.4M | 46.92M | 60.5M | 58.4M | 47.7M | 93M | 179.41M | 238.16M |
| Loan Loss Provision | 70.36M | 98.31M | 16.15M | -4.44M | -32K | -31K | 46K | 0 | 0 |
| Non-Interest Income | 23.37M | 33.02M | 71.7M | -41.19M | -152.07M | 2.35M | -142.4M | -524.49M | -416.33M |
| Non-Interest Income % | - | - | - | - | - | - | - | - | - |
| Total Revenue | 277.52M | 360.95M | 520.48M | 502.91M | 393.43M | 578.15M | 733.7M | 460.08M | 533.36M |
| Revenue Growth % | - | 0.3% | 0.44% | -0.03% | -0.22% | 0.47% | 0.27% | -0.37% | 0.16% |
| Non-Interest Expense | 162.33M | 224.17M | 287.32M | 362.42M | 393.15M | 467.69M | 715.94M | 534.32M | 410.38M |
| Efficiency Ratio | - | - | - | - | - | - | - | - | - |
| Operating Income | 16.06M | 2.07M | 170.09M | 84.43M | -58.09M | 62.79M | -75.29M | -253.65M | -115.18M |
| Operating Margin % | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | - | -0.87% | 81.21% | -0.5% | -1.69% | 2.08% | -2.2% | -2.37% | 0.55% |
| Pretax Income | 16.06M | 2.07M | 170.09M | 84.43M | -58.09M | 62.79M | -75.29M | -253.65M | -115.18M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - |
| Income Tax | -34.8M | 12.28M | 46.7M | 22.83M | -13.01M | 15.38M | 2.46M | -73.7M | -36.49M |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - |
| Net Income | 50.86M | -10.21M | 123.39M | 61.6M | -45.08M | 47.41M | -77.74M | -179.95M | -78.68M |
| Net Margin % | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | - | -1.2% | 13.09% | -0.5% | -1.73% | 2.05% | -2.64% | -1.31% | 0.56% |
| Net Income (Continuing) | 50.86M | -10.21M | 123.39M | 61.6M | -45.08M | 47.41M | -77.74M | -179.95M | -78.68M |
| EPS (Diluted) | 2.20 | -0.46 | 5.59 | 0.40 | -1.65 | 1.56 | -2.37 | -4.88 | -1.95 |
| EPS Growth % | - | -1.21% | 13.15% | -0.93% | -5.13% | 1.95% | -2.52% | -1.06% | 0.6% |
| EPS (Basic) | 2.31 | -0.46 | 5.60 | 0.46 | -1.65 | 1.68 | -2.37 | -4.88 | -1.95 |
| Diluted Shares Outstanding | 23.11M | 22.06M | 22.06M | 10.76M | 27.33M | 30.32M | 32.83M | 36.88M | 40.36M |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 35.58M | 48.35M | 70.47M | 72.18M | 136.19M | 130.96M | 98.82M | 91.19M | 59.97M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 896K | 2.4M | 27.65M | 1.93B | 1.7B | 2.39B | 3.18B | 2.97B | 2.79B |
| Investments Growth % | - | 1.68% | 10.52% | 68.68% | -0.12% | 0.41% | 0.33% | -0.06% | -0.06% |
| Long-Term Investments | 896K | 2.4M | 27.65M | 1.93B | 1.7B | 2.39B | 3.18B | 2.97B | 2.79B |
| Accounts Receivables | 0 | 1000K | 1000K | 1000K | 1000K | 1000K | 0 | 0 | 0 |
| Goodwill & Intangibles | - | - | - | - | - | - | - | - | - |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 104.01M | 0 | 0 | 0 |
| Intangible Assets | 0 | 5.66M | 5.49M | 18.34M | 27.48M | 131.18M | 139.8M | 114.73M | 86.59M |
| PP&E (Net) | 15.82M | 17.16M | 23.2M | 73.34M | 62.67M | 48.32M | 40.97M | 28.1M | 12.75M |
| Other Assets | 17.59M | -31.54M | -28.69M | 63.96M | 43.19M | 81.33M | 120.85M | 133.55M | 173.05M |
| Total Current Assets | 74.96M | 64.61M | 114.02M | 118.26M | 176.31M | 190.56M | 134.11M | 115.73M | 79.98M |
| Total Non-Current Assets | 883.21M | 22.82M | 28.69M | 2.08B | 1.83B | 2.76B | 3.48B | 3.3B | 3.15B |
| Total Assets | 958.17M | 1.22B | 1.74B | 2.2B | 2.01B | 2.95B | 3.61B | 3.41B | 3.23B |
| Asset Growth % | - | 0.27% | 0.43% | 0.27% | -0.09% | 0.47% | 0.23% | -0.06% | -0.05% |
| Return on Assets (ROA) | 0.05% | -0.01% | 0.08% | 0.03% | -0.02% | 0.02% | -0.02% | -0.05% | -0.02% |
| Accounts Payable | 0 | 8.18M | 10.64M | 9.76M | 5.25M | 11.62M | 18.11M | 13.7M | 17.62M |
| Total Debt | 708.24M | 933.99M | 1.31B | 1.66B | 1.71B | 2.6B | 3.28B | 3.23B | 2.82B |
| Net Debt | 672.66M | 885.64M | 1.24B | 1.59B | 1.57B | 2.47B | 3.18B | 3.14B | 2.76B |
| Long-Term Debt | 708.24M | 779.66M | 1.22B | 1.55B | 1.41B | 2.16B | 2.93B | 2.91B | 2.8B |
| Short-Term Debt | 0 | 154.33M | 0 | 60.91M | 246.38M | 393.89M | 317.57M | 289.95M | 0 |
| Other Liabilities | 12.4M | -781.15M | -1.24B | 2.02M | -200.98M | -335.04M | -292.42M | -259.51M | 20.79M |
| Total Current Liabilities | 10.39M | 162.51M | 95.93M | 83.64M | 269.46M | 441.97M | 361.88M | 328.44M | 30.06M |
| Total Non-Current Liabilities | 724.22M | 781.15M | 1.24B | 1.63B | 1.27B | 1.9B | 2.7B | 2.68B | 2.84B |
| Total Liabilities | 734.61M | 998.31M | 1.39B | 1.71B | 1.54B | 2.34B | 3.07B | 3.01B | 2.87B |
| Total Equity | 223.56M | 216.73M | 346.55M | 488.77M | 466.63M | 603.88M | 547.6M | 404.4M | 353.81M |
| Equity Growth % | - | -0.03% | 0.6% | 0.41% | -0.05% | 0.29% | -0.09% | -0.26% | -0.13% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - | - | - | - |
| Return on Equity (ROE) | 0.23% | -0.05% | 0.44% | 0.15% | -0.09% | 0.09% | -0.14% | -0.38% | -0.21% |
| Book Value per Share | 9.67 | 9.82 | 15.71 | 45.42 | 17.07 | 19.91 | 16.68 | 10.97 | 8.77 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - |
| Common Stock | 3K | 3K | 3K | 6K | 6K | 6K | 7K | 7K | 7K |
| Additional Paid-in Capital | 19.3M | 24.7M | 44.41M | 418.3M | 436.5M | 526.34M | 547.8M | 584.55M | 612.64M |
| Retained Earnings | -61.59M | -70.73M | 52.66M | 76.68M | 36.43M | 83.85M | 6.1M | -173.85M | -252.53M |
| Accumulated OCI | -23K | -142K | -132K | -162K | -261K | 0 | 0 | 0 | 0 |
| Treasury Stock | -248K | -5.22M | -8.43M | -6.12M | -6.31M | -6.31M | -6.31M | -6.31M | -6.31M |
| Preferred Stock | 266.12M | 267.99M | 257.9M | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 113.9M | 139.12M | 138.37M | 218.37M | 152.87M | 163.45M | 247.88M | 392.76M | 393.52M |
| Operating CF Growth % | - | 0.22% | -0.01% | 0.58% | -0.3% | 0.07% | 0.52% | 0.58% | 0% |
| Net Income | 50.86M | -10.21M | 123.39M | 61.6M | -45.08M | 47.41M | -77.74M | -179.95M | -78.68M |
| Depreciation & Amortization | 8.38M | 10.59M | 11.82M | 14.1M | 20.22M | 27.11M | 47.53M | 54.88M | 51.16M |
| Deferred Taxes | -36.37M | 8.29M | 42.02M | 10.42M | -14.46M | 16.45M | 0 | 0 | 0 |
| Other Non-Cash Items | 79.27M | 106.37M | -15.76M | 97.99M | 206.96M | 64.03M | 331.2M | 520.29M | 438.32M |
| Working Capital Changes | 7.26M | 18.37M | -29.88M | 15.08M | -34.26M | -10.42M | -80.74M | -21.05M | -30.26M |
| Cash from Investing | -309.76M | -343.39M | -471.43M | -497.68M | 16.38M | -884.79M | -1.17B | -286.18M | -193.69M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | - | - | - | - | - | - | - | - | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | -111.65M | 0 | 0 | 0 |
| Other Investing | -299.1M | -334.84M | -453.48M | -488.81M | 21.2M | -746.66M | -1.12B | -254.92M | -174.5M |
| Cash from Financing | 221.91M | 230.69M | 368.07M | 286.27M | -136.8M | 745.71M | 934.53M | -104.39M | -191.22M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 0 | 60.48M | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - | - | - | - |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | -6.64M | -9.15M | -1.22M | 842K | -2.04M | -5.42M | -16.85M | -5.42M | -13.04M |
| Net Change in Cash | 26.06M | 26.42M | 35.02M | 6.97M | 32.45M | 24.37M | 10.86M | 2.2M | 8.61M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 41.68M | 67.74M | 94.16M | 129.18M | 136.14M | 168.59M | 192.96M | 203.82M | 206.02M |
| Cash at End | 67.74M | 94.16M | 129.18M | 136.14M | 168.59M | 192.96M | 203.82M | 206.02M | 214.63M |
| Interest Paid | 23.3M | 31.06M | 42.43M | 58.04M | 57.14M | 46.83M | 85.78M | 183.97M | 213.97M |
| Income Taxes Paid | 1.45M | 4.4M | 20.44M | 2.93M | 2.83M | 3.88M | 0 | 0 | 1.04M |
| Free Cash Flow | 99.7M | 127.1M | 120.43M | 192.15M | 131.1M | 136.97M | 198.98M | 361.5M | 374.33M |
| FCF Growth % | - | 0.27% | -0.05% | 0.6% | -0.32% | 0.04% | 0.45% | 0.82% | 0.04% |
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 22.75% | -4.64% | 43.81% | 14.75% | -9.44% | 8.86% | -13.5% | -37.8% | -20.75% |
| Return on Assets (ROA) | 5.31% | -0.94% | 8.35% | 3.13% | -2.14% | 1.91% | -2.37% | -5.12% | -2.37% |
| Net Interest Margin | 23.52% | 23.99% | 23.1% | 21.96% | 24.25% | 17.92% | 21.78% | 23.6% | 22.05% |
| Efficiency Ratio | 58.49% | 62.11% | 55.2% | 72.06% | 99.93% | 80.89% | 97.58% | 116.14% | 76.94% |
| Equity / Assets | 23.33% | 17.84% | 19.92% | 22.2% | 23.23% | 20.49% | 15.15% | 11.85% | 10.96% |
| Book Value / Share | 9.67 | 9.82 | 15.71 | 45.42 | 17.07 | 19.91 | 16.68 | 10.97 | 8.77 |
| NII Growth | - | 29.35% | 37.84% | 20.34% | 0.73% | 8.43% | 48.99% | 2.32% | -11.63% |
Oportun Financial Corporation (OPRT) grew revenue by 15.9% over the past year. This is strong growth.
Yes, Oportun Financial Corporation (OPRT) is profitable, generating $30.6M in net income for fiscal year 2024 (-14.8% net margin).
Oportun Financial Corporation (OPRT) has a return on equity (ROE) of -20.8%. Negative ROE indicates the company is unprofitable.
Oportun Financial Corporation (OPRT) has a net interest margin (NIM) of 22.0%. This indicates healthy earnings from lending activities.
Oportun Financial Corporation (OPRT) has an efficiency ratio of 76.9%. This is higher than peers, suggesting room for cost optimization.