Latest Ratios: P/E Ratio 15.5x · EV/EBITDA 36.8x · ROE 6.8%. (2016–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $519M | $253M | $157M | $144M | $181M | $614M | $529M | $256M | — | — | — |
| Enterprise Value | $3.2B | $3.0B | $2.9B | $3.3B | $3.4B | $3.1B | $2.1B | $1.8B | — | — | — |
| P/E Ratio → | 15.50 | 9.98 | — | — | — | 12.98 | — | 59.50 | — | — | — |
| P/S Ratio | 1.03 | 0.62 | 0.53 | 0.51 | 0.28 | 1.16 | 1.58 | 0.58 | — | — | — |
| P/B Ratio | 1.39 | 0.65 | 0.44 | 0.36 | 0.33 | 1.02 | 1.13 | 0.52 | — | — | — |
| P/FCF | 1.18 | 0.65 | 0.42 | 0.40 | 0.91 | 4.48 | 4.04 | 1.33 | — | — | — |
| P/OCF | 1.26 | 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
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 7.29 | 9.89 | 11.69 | 5.22 | 5.81 | 6.28 | 4.18 | — | — | — |
| EV / EBITDA | 36.79 | 34.61 | — | — | — | 34.31 | — | 18.75 | — | — | — |
| EV / EBIT | 73.16 | 67.13 | — | — | — | 49.12 | — | 21.88 | — | — | — |
| EV / FCF | — | 7.60 | 7.80 | 9.08 | 16.91 | 22.52 | 16.04 | 9.61 | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
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 | 100.0% | 100.0% | 100.0% | 100.0% | 99.4% | 100.0% | 100.0% | 101.0% | 96.6% | 69.7% | 71.7% |
| Operating Margin | 10.9% | 10.9% | -39.0% | -90.4% | -11.7% | 11.8% | -17.3% | 19.1% | 35.9% | 0.6% | 6.5% |
| Net Profit Margin | 6.2% | 6.2% | -26.7% | -64.1% | -12.1% | 8.9% | -13.5% | 13.9% | 26.1% | -3.1% | 20.4% |
| 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% |
Solvency and debt-coverage ratios — lower is generally safer
| 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 |
Short-term solvency ratios and asset-utilisation metrics
| 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 | — | 0.12 | 0.09 | 0.08 | 0.18 | 0.18 | 0.17 | 0.20 | 0.27 | 0.27 | 0.26 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
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 | — | — | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.5% | 10.0% | — | — | — | 7.7% | — | 1.7% | — | — | — |
| FCF Yield | 84.9% | 153.7% | 239.1% | 250.7% | 110.0% | 22.3% | 24.8% | 75.0% | — | — | — |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — | — |
| Total Shareholder Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | — | — |
| Shares Outstanding | — | $48M | $40M | $37M | $33M | $30M | $27M | $11M | $22M | $22M | $23M |
Includes 30+ ratios · 10 years · Updated daily
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Quick answers to the most common questions about buying OPRT stock.
Oportun Financial Corporation's current P/E ratio is 15.5x. The historical average is 27.5x. This places it at the 67th percentile of its historical range.
Oportun Financial Corporation's current EV/EBITDA is 36.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 29.2x.
Oportun Financial Corporation's return on equity (ROE) is 6.8%. The historical average is 1.1%.
Based on historical data, Oportun Financial Corporation is trading at a P/E of 15.5x. This is at the 67th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Oportun Financial Corporation has 100.0% gross margin and 10.9% operating margin. Operating margin between 10-20% is typical for established companies.
Oportun Financial Corporation's Debt/EBITDA ratio is 32.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.
Key Metrics
Top Statement Risk
Earnings reliant on non-interest items
Metrics are mathematically derived from official filings.
Trough Multiples Versus Recovering Franchise
Based on Oportun's reported figures, the stock trades at 1.39x book and a trailing P/E of 21.34, while forward P/E of 6.91 implies the market expects earnings to rebound sharply from the depressed 2024 and 2025 base.
The 8.50x P/B shown in the ratio table differs from the 1.39x headline multiple, which suggests the two series are measured on inconsistent bases and should be reconciled before any relative conclusion is drawn. The gap between trailing and forward P/E indicates the market is pricing in normalization of non-interest income rather than current reported profitability. Investors should monitor whether tangible book value per share, which rose from 5.89 to 7.24 over the period, continues to compound at a pace that justifies a premium to the consumer lending peer group.
ROE Recovery Driven by Thin Equity Base
According to recent filings, Oportun's ROE climbed from negative 8.8% in 2024Q3 to 5.4% in 2026Q3, but with equity near 13% of assets the return is heavily leveraged to small absolute earnings changes.
Decomposing ROE, the improvement reflects a narrowing efficiency ratio alongside a net interest margin that reached 5.9%, yet ROA of only 0.7% shows that asset productivity remains low. The equity-to-assets ratio of 0.13 means modest earnings swings produce large ROE moves, so the headline recovery may overstate the durability of profitability. The 2026Q3 fee percentage of negative 50.3% indicates that the quarter's profit depends on non-core items, a pattern that warrants further investigation before treating the ROE trend as structural.
Margin Expansion Offset by Cost Intensity
As reported in financial statements, net interest margin rose to 5.9% in 2026Q3 from 5.0% in 2025Q2, while the efficiency ratio improved from 181.9% in 2024Q2 to 72.7%, though readings near 90% through most of 2025 remain elevated.
The NIM expansion suggests asset yields are repricing faster than funding costs, a favorable dynamic for a consumer lender with high-yield receivables. However, the efficiency ratio's volatility, including a jump back to 96.2% in 2026Q1, implies that operating leverage has not yet become reliable. Investors should monitor whether the 72.7% efficiency reading holds for consecutive quarters before concluding that cost discipline has been structurally achieved.
Equity Cushion Rebuilding From Low Base
Based on Oportun's reported figures, equity-to-assets improved from 0.10 in 2024Q3 to 0.13 in 2026Q3, a meaningful rebuild, though the level remains thin for a lender carrying roughly $2.8B in liabilities.
The capital build is encouraging, but the figures supplied do not include CET1, Tier 1, or total risk-based capital ratios, so regulatory capital headroom cannot be assessed directly. Equity-to-assets is a crude leverage proxy that does not reflect risk weighting of the loan book. Investors should seek the regulatory capital disclosures before judging whether the cushion is adequate for the credit exposure.
Premium Multiple Without Peer-Leading Returns
As reported across the peer set, Oportun's 8.50x P/B sits well above Regional Management at 0.96x and World Acceptance at 2.13x, while its 5.4% ROE trails Enova's 26.4% and World Acceptance's 14.2%.
The valuation premium relative to consumer finance peers is difficult to justify on current returns, suggesting the market is capitalizing a recovery thesis rather than demonstrated profitability. The peer ROE gap appears largely cyclical, given Oportun's recent swing from deeply negative returns, but the weakness in non-interest income indicates the gap may be partly structural. Investors should monitor whether ROE converges toward the peer median as the recent recovery matures.
P/E Misleads Because Earnings Quality Is Low
Trailing P/E of 21.34 is the ratio most likely to mislead here, since 2026Q3 net income of $22.9M rests on a non-interest income line of negative $63.7M and the multiple obscures how volatile the earnings base is.
A low forward P/E of 6.91 alongside a trailing 21.34 may appear to signal undervaluation, but it primarily reflects the swing between depressed and recovering quarterly earnings rather than a stable profit stream. A more informative approach would normalize earnings by excluding non-interest income volatility and valuing the bank on net interest income after credit costs. Tangible book value per share and ROTCE on a normalized basis would give a cleaner read on whether the stock is priced as a turnaround or a durable franchise.