Last 33 quarters of trend data · Financial Services · Financial - Credit Services
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Oportun Financial Corporation's quarterly P/E stands at 23.1x, up 252.7% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 76.2% YoY to 54.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.74 | 23.05 | 18.73 | 14.02 | 12.79 | 6.54 | 4.85 | — | — | — | — | — | — |
| — | +252.7% | +286.2% | — | — | — | — | — | — | — | — | — | — | |
| P/S Ratio | 0.37 | 0.39 | 0.43 | 0.46 | 0.52 | 0.40 | 0.25 | 0.24 | 0.25 | 0.18 | 0.30 | 0.52 | 0.34 |
| — | -1.0% | +69.9% | +94.3% | +106.8% | +123.6% | -16.6% | -54.7% | -26.2% | -76.4% | +18.6% | +151.9% | -18.2% | |
| P/B Ratio | 0.63 | 0.56 | 0.65 | 0.78 | 0.91 | 0.71 | 0.48 | 0.34 | 0.33 | 0.25 | 0.37 | 0.63 | 0.48 |
| — | -20.0% | +36.8% | +126.5% | +179.7% | +185.0% | +28.4% | -45.3% | -31.8% | -13.9% | +11.3% | +138.4% | +14.1% | |
| P/FCF | 0.61 | 0.54 | 0.62 | 0.80 | 0.78 | 0.68 | 0.49 | 0.27 | 0.28 | 0.29 | 0.38 | 0.69 | 0.57 |
| — | -20.4% | +25.4% | +196.2% | +176.4% | +137.1% | +31.8% | -60.5% | -50.8% | -43.3% | -37.3% | +3.6% | -66.1% | |
| EV / EBITDA | 34.41 | 54.28 | 46.16 | 30.09 | 36.13 | 30.81 | 47.62 | — | — | — | — | — | — |
| — | +76.2% | -3.1% | — | — | — | — | — | — | — | — | — | — | |
| EV / EBIT | 66.74 | 189.99 | 112.73 | 51.55 | 74.44 | 56.73 | 187.39 | — | — | — | — | — | — |
| — | +234.9% | -39.8% | — | — | — | — | — | — | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Oportun Financial Corporation's operating margin was 2.5% in Q1 2026, down 1.9 pp QoQ and down 5.5 pp YoY. This marks the 3rd consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 5.5% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.7% | 66.4% | 60.9% | 65.0% | 63.7% | 64.8% | 55.9% | 52.9% | 52.5% | 59.2% | 58.1% | 64.4% | 74.1% |
| — | +2.4% | +9.0% | +22.8% | +21.3% | +9.4% | -3.8% | -17.9% | -29.1% | +440.1% | -27.5% | -23.9% | -17.2% | |
| Operating Margin | 6.9% | 2.5% | 4.4% | 8.8% | 6.2% | 8.1% | 2.3% | -33.3% | -43.0% | -22.8% | -46.2% | -28.3% | -10.9% |
| — | -68.7% | +89.1% | +126.4% | +114.3% | +135.3% | +105.1% | -17.9% | -294.1% | +92.9% | -943.2% | +56.3% | -39.8% | |
| Net Margin | 4.0% | 1.7% | 2.3% | 3.2% | 4.2% | 6.0% | 5.2% | -25.3% | -27.1% | -19.8% | -33.7% | -16.0% | -9.3% |
| — | -71.9% | -56.1% | +112.7% | +115.4% | +130.2% | +115.5% | -58.2% | -191.7% | +91.5% | -616.4% | +73.7% | -65.0% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.8% | 0.6% | 0.9% | 1.4% | 1.9% | 2.7% | 2.6% | -8.8% | -8.4% | -6.7% | -9.9% | -4.7% | -3.3% |
| — | -77.5% | -65.7% | +115.6% | +122.0% | +140.4% | +125.9% | -87.1% | -158.7% | +66.9% | -543.9% | +73.4% | -130.9% | |
| ROA | 0.8% | 0.1% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% | -0.9% | -1.0% | -0.8% | -1.2% | -0.6% | -0.4% |
| — | -75.3% | -60.9% | +117.7% | +122.5% | +138.3% | +122.1% | -50.4% | -122.4% | +72.5% | -419.2% | +80.1% | -48.0% | |
| ROIC | 1.0% | 0.1% | 0.2% | 0.3% | 0.2% | 0.3% | 0.1% | -0.9% | -1.2% | -0.7% | -1.2% | -0.7% | -0.3% |
| — | -72.5% | +68.8% | +136.7% | +120.8% | +146.6% | +108.0% | -27.2% | -239.2% | +75.9% | -643.5% | +67.3% | -26.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Oportun Financial Corporation's Debt/EBITDA ratio is 216.0x, up from 175.3x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 1373.6% YoY to 47.29x, strengthening the short-term liquidity position.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 7.21 | 6.87 | 7.21 | 7.15 | 7.35 | 7.67 | 7.98 | 8.72 | 7.99 | 7.41 | 7.98 | 7.59 | 7.46 |
| — | -10.4% | -9.7% | -18.0% | -8.0% | +3.5% | -0.1% | +15.0% | +7.0% | +0.2% | +33.1% | +28.1% | +55.9% | |
| Debt / EBITDA | 32.88 | 216.04 | 175.31 | 112.43 | 132.71 | 115.84 | 183.38 | — | — | — | — | — | — |
| — | +86.5% | -4.4% | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 9.17 | 47.29 | 9.17 | 4.15 | 3.78 | 3.21 | 2.66 | 2.36 | 2.34 | 2.39 | 0.35 | 0.32 | 0.27 |
| — | +1373.6% | +244.7% | +75.9% | +61.8% | +34.1% | +655.2% | +640.5% | +759.1% | +697.8% | -4.9% | -48.1% | +21.6% | |
| Quick Ratio | 9.17 | 47.29 | 9.17 | 4.15 | 3.78 | 3.21 | 2.66 | 2.36 | 2.34 | 2.39 | 0.35 | 0.32 | 0.27 |
| — | +1373.6% | +244.7% | +75.9% | +61.8% | +34.1% | +655.2% | +640.5% | +759.1% | +697.8% | -4.9% | -48.1% | +21.6% | |
| Interest Coverage | 0.19 | 0.07 | 0.11 | 0.25 | 0.17 | 0.23 | 0.05 | -0.71 | -0.91 | -0.56 | -1.10 | -0.80 | -0.42 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 33 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 is 9.7x. The average P/E over the last 4 quarters is 17.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Oportun Financial Corporation's current operating margin is 6.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Oportun Financial Corporation's business trajectory between earnings reports.