Oportun Financial Corporation (OPRT) Financial Ratios
10 years of historical data (2016–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↑
34.41
-0% vs avg
5yr avg: 34.46
30Y Low18.7·High34.6
P/FCF
↓
0.61
↓-56% vs avg
5yr avg: 1.37
30Y Low0.4·High4.5
P/B Ratio
↓
0.63
+13% vs avg
5yr avg: 0.56
30Y Low0.3·High1.1
ROE
↓
6.8%
↓+160% vs avg
5yr avg: -11.3%
30Y Low-38%·High44%
Debt/EBITDA
↑
32.88
+6% vs avg
5yr avg: 30.91
30Y Low7.2·High32.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
OPRT Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Oportun Financial Corporation trades at 9.7x earnings, 15% below its 5-year average of 11.5x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 28%. On a free-cash-flow basis, the stock trades at 0.6x P/FCF, 56% below the 5-year average of 1.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $236M | $253M | $157M | $144M | $181M | $614M | $529M | $256M | — | — | — |
| Enterprise Value | $2.9B | $3.0B | $2.9B | $3.3B | $3.4B | $3.1B | $2.1B | $1.8B | — | — | — |
| P/E Ratio → | 9.74 | 9.98 | — | — | — | 12.98 | — | 59.50 | — | — | — |
| P/S Ratio | 0.37 | 0.40 | 0.29 | 0.31 | 0.25 | 1.06 | 1.35 | 0.51 | — | — | — |
| P/B Ratio | 0.63 | 0.65 | 0.44 | 0.36 | 0.33 | 1.02 | 1.13 | 0.52 | — | — | — |
| P/FCF | 0.61 | 0.65 | 0.42 | 0.40 | 0.91 | 4.48 | 4.04 | 1.33 | — | — | — |
| P/OCF | 0.57 | 0.61 | 0.40 | 0.37 | 0.73 | 3.76 | 3.46 | 1.17 | — | — | — |
P/E links to full P/E history page with 30-year chart
OPRT EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Oportun Financial Corporation's enterprise value stands at 34.4x EBITDA, roughly in line with its 5-year average of 34.5x. The Financial Services sector median is 11.4x, placing the stock at a 202% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.64 | 5.47 | 7.13 | 4.59 | 5.33 | 5.35 | 3.67 | — | — | — |
| EV / EBITDA | 34.41 | 34.61 | — | — | — | 34.31 | — | 18.75 | — | — | — |
| EV / EBIT | 66.74 | 67.13 | — | — | — | 49.12 | — | 21.88 | — | — | — |
| EV / FCF | — | 7.60 | 7.80 | 9.08 | 16.91 | 22.52 | 16.04 | 9.61 | — | — | — |
OPRT Profitability
Margins and return-on-capital ratios measuring operating efficiency
Oportun Financial Corporation earns an operating margin of 6.9%, below the Financial Services sector average of 20.3%. Operating margins have expanded from -55.1% to 6.9% over the past 3 years, signaling improving operational efficiency. ROE of 6.8% is modest, trailing the sector median of 9.0%. ROIC of 1.0% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.7% | 63.7% | 55.3% | 61.0% | 87.3% | 91.8% | 85.2% | 88.9% | 87.9% | 62.7% | 64.3% |
| Operating Margin | 6.9% | 6.9% | -21.6% | -55.1% | -10.3% | 10.9% | -14.8% | 16.8% | 32.7% | 0.6% | 5.8% |
| Net Profit Margin | 4.0% | 4.0% | -14.8% | -39.1% | -10.6% | 8.2% | -11.5% | 12.2% | 23.7% | -2.8% | 18.3% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.8% | 6.8% | -20.8% | -37.8% | -13.5% | 8.9% | -9.4% | 14.7% | 43.8% | -4.6% | 22.7% |
| ROA | 0.8% | 0.8% | -2.4% | -5.1% | -2.4% | 1.9% | -2.1% | 3.1% | 8.4% | -0.9% | 5.3% |
| ROIC | 1.0% | 1.0% | -2.5% | -5.1% | -1.6% | 1.8% | -2.0% | 3.3% | 9.1% | 0.1% | 1.3% |
| ROCE | 1.4% | 1.4% | -3.7% | -8.0% | -2.6% | 3.0% | -3.0% | 4.5% | 12.6% | 0.2% | 1.7% |
OPRT Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Oportun Financial Corporation carries a Debt/EBITDA ratio of 32.9x, which is highly leveraged (672% above the sector average of 4.3x). Net debt stands at $2.7B ($2.8B total debt minus $106M cash). Interest coverage of just 0.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 7.21 | 7.21 | 7.98 | 7.98 | 6.00 | 4.31 | 3.66 | 3.40 | 3.78 | 4.31 | 3.17 |
| Debt / EBITDA | 32.88 | 32.88 | — | — | — | 28.93 | — | 16.88 | 7.20 | 73.79 | 28.99 |
| Net Debt / Equity | — | 6.94 | 7.81 | 7.76 | 5.82 | 4.09 | 3.37 | 3.26 | 3.58 | 4.09 | 3.01 |
| Net Debt / EBITDA | 31.65 | 31.65 | — | — | — | 27.48 | — | 16.15 | 6.82 | 69.97 | 27.53 |
| Debt / FCF | — | 6.95 | 7.38 | 8.68 | 16.01 | 18.04 | 12.00 | 8.28 | 10.29 | 6.97 | 6.75 |
| Interest Coverage | 0.19 | 0.19 | -0.48 | -1.41 | -0.81 | 1.32 | -0.99 | 1.40 | 3.63 | 0.06 | 0.56 |
OPRT Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
Oportun Financial Corporation's current ratio of 9.17x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.35x to 9.17x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 9.17 | 9.17 | 2.66 | 0.35 | 0.37 | 0.43 | 0.65 | 1.41 | 1.19 | 0.40 | 7.22 |
| Quick Ratio | 9.17 | 9.17 | 2.66 | 0.35 | 0.37 | 0.43 | 0.65 | 1.41 | 1.19 | 0.40 | 7.22 |
| Cash Ratio | 9.17 | 9.17 | 2.00 | 0.28 | 0.27 | 0.30 | 0.51 | 0.86 | 0.73 | 0.30 | 3.43 |
| Asset Turnover | — | 0.20 | 0.17 | 0.13 | 0.20 | 0.20 | 0.20 | 0.23 | 0.30 | 0.30 | 0.29 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
OPRT Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Oportun Financial Corporation does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 10.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.3% | 10.0% | — | — | — | 7.7% | — | 1.7% | — | — | — |
| FCF Yield | 100.0% | 153.7% | 239.1% | 250.7% | 110.0% | 22.3% | 24.8% | 75.0% | — | — | — |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $48M | $40M | $37M | $33M | $30M | $27M | $11M | $22M | $22M | $23M |
Peer Comparison
Compare OPRT with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 OPRTYou | $236M | 9.7 | 34.4 | 0.6 | 63.7% | 6.9% | 6.8% | 1.0% | 32.9 |
 ENVA | $5B | 17.5 | 12.2 | 2.9 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 WRLD | $897M | 10.9 | 8.4 | 3.6 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 RM | $350M | 8.4 | 21.6 | 1.1 | 52.3% | 12.4% | 12.2% | 3.0% | 18.8 |
 PRAA | $570M | -1.9 | 1.2 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 LDI | $392M | -3.9 | 22.2 | — | 88.3% | 13.2% | -14.0% | 2.7% | 22.0 |
 ATLC | $2B | 16.8 | 43.8 | 2.4 | 56.3% | 22.7% | 22.4% | 2.4% | 38.6 |
 CACC | $6B | 15.4 | 10.5 | 5.7 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 NAVI | $760M | -10.0 | 17.8 | 1.7 | 87.0% | 77.1% | -3.2% | 3.8% | 18.3 |
 SLM | $5B | 6.7 | 6.2 | 7.9 | 53.1% | 31.9% | 32.3% | 8.8% | 5.9 |
 QFIN | $2B | 1.2 | 1.7 | 1.2 | 81.5% | 33.9% | 24.0% | 17.7% | 0.5 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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OPRT — Frequently Asked Questions
Quick answers to the most common questions about buying OPRT stock.
What is Oportun Financial Corporation's P/E ratio?
Oportun Financial Corporation's current P/E ratio is 9.7x. The historical average is 27.5x.
What is Oportun Financial Corporation's EV/EBITDA?
Oportun Financial Corporation's current EV/EBITDA is 34.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 29.2x.
What is Oportun Financial Corporation's ROE?
Oportun Financial Corporation's return on equity (ROE) is 6.8%. The historical average is 1.1%.
Is OPRT stock overvalued?
Based on historical data, Oportun Financial Corporation is trading at a P/E of 9.7x. Compare with industry peers and growth rates for a complete picture.
What are Oportun Financial Corporation's profit margins?
Oportun Financial Corporation has 63.7% gross margin and 6.9% operating margin.
How much debt does Oportun Financial Corporation have?
Oportun Financial Corporation's Debt/EBITDA ratio is 32.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.