Last 35 quarters of trend data · Financial Services · Consumer Finance
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.50 | 4.52 | 8.40 | 23.05 | 18.73 | 14.02 | 12.79 | 6.54 | 4.85 | — | — | — | — | — | — | — | — | — | — | 2.62 | 11.01 |
| — | -67.8% | -34.3% | +252.7% | +286.2% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -94.9% | -34.1% | |
| P/S Ratio | 1.03 | 0.82 | 0.37 | 0.59 | 0.70 | 0.71 | 0.82 | 0.61 | 0.45 | 0.45 | 0.48 | 0.30 | 0.52 | 0.81 | 0.46 | 6.82 | 0.32 | 0.25 | 0.47 | 0.58 | 0.98 |
| — | +15.5% | -55.5% | -3.4% | +55.8% | +58.2% | +70.5% | +104.4% | -13.3% | -44.8% | +4.2% | -95.6% | +63.5% | +231.0% | -1.2% | +1069.5% | -67.5% | -82.1% | -62.7% | -58.1% | -20.5% | |
| P/B Ratio | 1.39 | 0.96 | 0.69 | 0.56 | 0.65 | 0.78 | 0.91 | 0.71 | 0.48 | 0.34 | 0.33 | 0.25 | 0.37 | 0.63 | 0.48 | 0.29 | 0.33 | 0.26 | 0.42 | 0.74 | 1.04 |
| — | +23.3% | -24.7% | -20.0% | +36.8% | +126.5% | +179.7% | +185.0% | +28.4% | -45.3% | -31.8% | -13.9% | +11.3% | +138.4% | +14.1% | -60.9% | -67.9% | -82.4% | -66.3% | -43.4% | -14.0% | |
| P/FCF | 1.18 | 0.83 | 0.60 | 0.57 | 0.62 | 0.80 | 0.78 | 0.68 | 0.49 | 0.27 | 0.28 | 0.29 | 0.38 | 0.69 | 0.57 | 0.50 | 0.60 | 0.66 | 1.69 | 4.28 | 2.90 |
| — | +3.3% | -22.5% | -15.0% | +25.4% | +196.2% | +176.4% | +137.1% | +31.8% | -60.5% | -50.8% | -43.3% | -37.3% | +3.6% | -66.1% | -88.2% | -79.4% | -84.9% | -68.3% | -67.5% | -85.7% | |
| EV / EBITDA | 36.79 | 21.30 | 28.68 | 54.28 | 46.16 | 30.09 | 36.13 | 30.81 | 47.62 | — | — | — | — | — | — | — | 168.80 | — | — | 11.18 | 28.07 |
| — | -29.2% | -20.6% | +76.2% | -3.1% | — | — | — | — | — | — | — | — | — | — | — | +501.4% | — | — | -75.4% | +5.0% | |
| EV / EBIT | 73.16 | 21.30 | 44.91 | 189.99 | 112.73 | 51.55 | 74.44 | 56.73 | 187.39 | — | — | — | — | — | — | — | — | — | — | 13.25 | 37.10 |
| — | -58.7% | -39.7% | +234.9% | -39.8% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | -89.4% | +1.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | -0.0% | 0.0% | 0.0% | +0.0% | +0.0% | 0.0% | 0.0% | +0.0% | +0.0% | 0.0% | 0.0% | +0.0% | |
| Operating Margin | 10.9% | 27.3% | 8.2% | 3.8% | 7.3% | 13.6% | 9.7% | 12.4% | 4.2% | -63.0% | -81.9% | -38.5% | -79.4% | -43.9% | -14.7% | -2945.5% | -5.5% | -76.4% | -8.7% | 28.1% | 13.0% |
| — | +101.6% | -15.7% | -69.5% | +73.4% | +121.5% | +111.8% | +132.3% | +105.3% | -43.5% | -455.9% | +98.7% | -1338.8% | +42.6% | -68.8% | -10571.2% | -142.4% | -479.4% | -207.0% | +680.1% | +1.8% | |
| Net Margin | 6.2% | 18.1% | 4.4% | 2.5% | 3.8% | 4.9% | 6.6% | 9.2% | 9.4% | -47.8% | -51.7% | -33.4% | -58.0% | -24.8% | -12.6% | -2124.7% | -5.9% | -72.0% | -6.3% | 22.3% | 8.8% |
| — | +265.6% | -32.4% | -72.6% | -59.8% | +110.3% | +112.7% | +127.6% | +116.1% | -92.6% | -311.5% | +98.4% | -887.9% | +65.5% | -99.2% | -9639.1% | -166.5% | -537.3% | -204.5% | +713.3% | +18.8% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.8% | 5.4% | 2.1% | 0.6% | 0.9% | 1.4% | 1.9% | 2.7% | 2.6% | -8.8% | -8.4% | -6.7% | -9.9% | -4.7% | -3.3% | -20.3% | -1.5% | -17.7% | -1.4% | 7.3% | 2.5% |
| — | +298.3% | +14.2% | -77.5% | -65.7% | +115.6% | +122.0% | +140.4% | +125.9% | -87.1% | -158.7% | +66.9% | -543.9% | +73.4% | -130.9% | -379.3% | -160.5% | -483.0% | -193.0% | +1032.3% | +37.2% | |
| ROA | 0.8% | 0.7% | 0.3% | 0.1% | 0.1% | 0.2% | 0.2% | 0.3% | 0.3% | -0.9% | -1.0% | -0.8% | -1.2% | -0.6% | -0.4% | -2.9% | -0.2% | -3.1% | -0.3% | 1.5% | 0.5% |
| — | +343.5% | +26.2% | -75.3% | -60.9% | +117.7% | +122.5% | +138.3% | +122.1% | -50.4% | -122.4% | +72.5% | -419.2% | +80.1% | -48.0% | -286.6% | -144.0% | -405.4% | -183.9% | +919.0% | +23.4% | |
| ROIC | 1.0% | 0.8% | 0.4% | 0.1% | 0.2% | 0.3% | 0.2% | 0.3% | 0.1% | -0.9% | -1.2% | -0.7% | -1.2% | -0.7% | -0.3% | -2.8% | -0.2% | -2.2% | -0.3% | 1.3% | 0.5% |
| — | +144.9% | +57.5% | -72.5% | +68.8% | +136.7% | +120.8% | +146.6% | +108.0% | -27.2% | -239.2% | +75.9% | -643.5% | +67.3% | -26.8% | -309.6% | -129.7% | -359.9% | -175.4% | +823.8% | -0.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 7.21 | 6.26 | 6.54 | 6.87 | 7.21 | 7.15 | 7.35 | 7.67 | 7.98 | 8.72 | 7.99 | 7.41 | 7.98 | 7.59 | 7.46 | 7.40 | 6.00 | 5.92 | 4.79 | 4.14 | 4.31 |
| — | -12.4% | -11.0% | -10.4% | -9.7% | -18.0% | -8.0% | +3.5% | -0.1% | +15.0% | +7.0% | +0.2% | +33.1% | +28.1% | +55.9% | +78.8% | +39.2% | +34.1% | +39.8% | +28.7% | +17.6% | |
| Debt / EBITDA | 32.88 | 78.46 | 109.01 | 216.04 | 175.31 | 112.43 | 132.71 | 115.84 | 183.38 | — | — | — | — | — | — | — | 658.31 | — | — | 39.33 | 94.20 |
| — | -30.2% | -17.9% | +86.5% | -4.4% | — | — | — | — | — | — | — | — | — | — | — | +598.8% | — | — | -71.7% | +10.2% | |
| Current Ratio | 9.17 | 16.04 | 17.70 | 47.29 | 9.17 | 4.15 | 3.78 | 3.21 | 2.66 | 2.36 | 2.34 | 2.39 | 0.35 | 0.32 | 0.27 | 0.30 | 0.37 | 0.61 | 0.22 | 0.35 | 0.43 |
| — | +286.6% | +367.6% | +1373.6% | +244.7% | +75.9% | +61.8% | +34.1% | +655.2% | +640.5% | +759.1% | +697.8% | -4.9% | -48.1% | +21.6% | -13.3% | -14.0% | +44.6% | -97.7% | -85.0% | -34.1% | |
| Quick Ratio | 9.17 | 16.04 | 17.70 | 47.29 | 9.17 | 4.15 | 3.78 | 3.21 | 2.66 | 2.36 | 2.34 | 2.39 | 0.35 | 0.32 | 0.27 | 0.30 | 0.37 | 0.61 | 0.22 | 0.35 | 0.43 |
| — | +286.6% | +367.6% | +1373.6% | +244.7% | +75.9% | +61.8% | +34.1% | +655.2% | +640.5% | +759.1% | +697.8% | -4.9% | -48.1% | +21.6% | -13.3% | -14.0% | +44.6% | -97.7% | -85.0% | -34.1% | |
| Interest Coverage | 0.19 | 0.84 | 0.37 | 0.07 | 0.11 | 0.25 | 0.17 | 0.23 | 0.05 | -0.71 | -0.91 | -0.56 | -1.10 | -0.80 | -0.42 | -3.63 | -0.22 | -4.21 | -0.74 | 4.22 | 1.83 |
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Includes 30+ ratios · 35 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 15.5x. The average P/E over the last 4 quarters is 13.7x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Oportun Financial Corporation's current operating margin is 10.9%. Margins have been expanding 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.