OPRT Stock Financial Analysis - Oportun Financial Corporation (NasdaqGS) Stock

Overview

Oportun Financial Corporation, based in the United States, operates primarily in the financial services industry, specializing in providing affordable and credit-building loans to individuals with limited credit history. The company leverages advanced data analytics and technology to offer personal and auto loans that not only meet the immediate financial needs of its consumers but also aim to promote financial inclusion and foster long-term financial health among underserved communities. Key projects include the continued expansion of their lending products and enhancing digital platforms to improve accessibility and customer experience. Oportun Financial Corporation's innovative approach ensures a blend of social responsibility with robust financial practices, reflecting its commitment to supporting economically disadvantaged groups while maintaining sustainable business growth.

Quality, Value, Momentum Scores

This card shows the Quality, Value, and Momentum scores for the company

Quality

The QualityScore is a proprietary scoring model that identifies high quality companies, based on cash generating efficiencies.

Value

Proprietary scoring model that ranks companies based on their relative valuation. Scores range from 0 to 100, with 100 being the most undervalued.

Momentum

Proprietary scoring model that ranks companies on their six-month momentum.

Fund Sentiment

The Fund Sentiment (fka Ownership) score is a proprietary quantitative model that ranks companies based on levels of ownership accumulation.

QVM

The QVM Score is a proprietary scoring model that combines Quality, Value, and Momentum into a single metric that ranks companies from 0 to 100.

Income Statement: Revenue, Operating Income, Net Income

The revenue for Oportun Financial Corporation as of June 30, 2025 is 724.76 MM.
The operating income for Oportun Financial Corporation as of June 30, 2025 is 26.70 MM.
The net income for Oportun Financial Corporation as of June 30, 2025 is -4.57 MM.

Period End (TTM)	Revenue (MM)	Operating Income (MM)	Net Income (MM)
2025-06-30	724.76	26.70	-4.57
2025-03-31	746.10	27.47	-42.48
2024-12-31	763.62	24.89	-78.68
2024-09-30	796.99	11.15	-129.24
2024-06-30	824.04	12.62	-120.43
2024-03-31	853.01	14.28	-104.30
2023-12-31	877.50	1.85	-179.95
2023-09-30	893.24	-11.76	-146.55
2023-06-30	895.39	-15.94	-231.24
2023-03-31	878.97	-13.64	-225.50
2022-12-31	859.50	6.80	-77.74
2022-09-30	815.85	41.69	-55.16
2022-06-30	740.95	47.92	73.65
2022-03-31	658.35	5.31	90.06
2021-12-31	579.11	18.81	47.41
2021-09-30	523.75	2.33	41.76
2021-06-30	498.60	-31.12	12.74
2021-03-31	500.11	-5.91	-28.76
2020-12-31	525.37	-22.23	-45.08
2020-09-30	548.30	-11.49	-30.43

Income Statement: EPS

The earnings per share basic for Oportun Financial Corporation as of June 30, 2025 is -0.10.
The earnings per share diluted for Oportun Financial Corporation as of June 30, 2025 is -0.11.

Period End (TTM)	Earnings Per Share Basic	Earnings Per Share Diluted
2025-06-30	-0.10	-0.11
2025-03-31	-1.01	-1.01
2024-12-31	-1.95	-1.95
2024-09-30	-3.29	-3.29
2024-06-30	-3.10	-3.10
2024-03-31	-2.74	-2.74
2023-12-31	-4.88	-4.88
2023-09-30	-4.12	-4.12
2023-06-30	-6.75	-6.76
2023-03-31	-6.78	-6.78
2022-12-31	-2.37	-2.37
2022-09-30	-1.74	-1.75
2022-06-30	2.41	2.30
2022-03-31	3.07	2.88
2021-12-31	1.68	1.56
2021-09-30	1.50	1.42
2021-06-30	0.46	0.44
2021-03-31	-1.05	-1.05
2020-12-31	-1.65	-1.65
2020-09-30	-1.81	-1.81

Cash Flow: Operations, Investing, Financing

The cash from operating activities for Oportun Financial Corporation as of June 30, 2025 is 405.42 MM.
The cash from investing activities for Oportun Financial Corporation as of June 30, 2025 is -274.57 MM.
The cash from financing activities for Oportun Financial Corporation as of June 30, 2025 is -139.26 MM.

Period End (TTM)	Cash From Operating Activities (MM)	Cash From Investing Activities (MM)	Cash From Financing Activities (MM)
2025-06-30	405.42	-274.57	-139.26
2025-03-31	408.62	-285.67	-88.53
2024-12-31	393.52	-193.69	-191.22
2024-09-30	408.39	-234.07	-145.42
2024-06-30	407.02	-209.14	-163.58
2024-03-31	401.83	-210.07	-197.13
2023-12-31	392.76	-286.18	-104.39
2023-09-30	374.99	-445.04	-2.51
2023-06-30	335.59	-637.54	370.43
2023-03-31	286.12	-1,088.70	833.94
2022-12-31	247.88	-1,171.55	934.53
2022-09-30	219.06	-1,483.92	1,313.31
2022-06-30	201.25	-1,465.66	1,040.30
2022-03-31	183.86	-1,016.27	819.79
2021-12-31	163.45	-884.79	745.71
2021-09-30	117.19	-419.73	362.82
2021-06-30	112.69	-134.35	181.66
2021-03-31	118.90	64.71	-206.53
2020-12-31	152.87	16.38	-136.80
2020-09-30	190.54	-78.35	-169.13

Valuation Metrics : PE, PriceToBook, PriceToTBV

The p/book for Oportun Financial Corporation as of June 30, 2025 is 0.89.
The p/tbv for Oportun Financial Corporation as of June 30, 2025 is 1.14.

P/Book: The current closing price divided by the book value per share.

P/TBV: The current price divided by the tangible book value per share.

Period End (TTM)	p/e	P/Book	P/TBV
2025-06-30		0.89	1.14
2025-03-31		0.57	0.76
2024-12-31		0.44	0.61
2024-09-30	-0.81	0.28	0.38
2024-06-30	-0.98	0.27	0.37
2024-03-31		0.21	0.29
2023-12-31	-0.91	0.30	0.42
2023-09-30	-1.06	0.54	0.76
2023-06-30	-0.85	0.42	0.60
2023-03-31	-1.66	0.24
2022-12-31		0.33	0.60
2022-09-30		0.22	0.35
2022-06-30		0.42	0.66
2022-03-31	9.67	0.76	1.24
2021-12-31	13.82	1.13	1.21
2021-09-30	55.31	1.45	1.56
2021-06-30
2021-03-31	-11.45	0.70	0.74
2020-12-31	-7.22	0.70	0.74
2020-09-30	-10.67	0.72	0.76

Valuation Metrics : EBitToEv, EBit3YrAvgToEv

The ebit/ev for Oportun Financial Corporation as of June 30, 2025 is -0.02.
The ebit (3y)/ev for Oportun Financial Corporation as of June 30, 2025 is -0.05.

Period End (TTM)	EBIT/EV	EBIT (3y)/EV
2025-06-30	-0.02	-0.05
2025-03-31	-0.04	-0.06
2024-12-31	-0.06	-0.06
2024-09-30	-0.06	-0.05
2024-06-30	-0.05	-0.04
2024-03-31	-0.08	-0.03
2023-12-31	-0.07	-0.02
2023-09-30	-0.09	-0.02
2023-06-30	-0.09	-0.02
2023-03-31	-0.02	0.00
2022-12-31	-0.02	-0.00
2022-09-30	0.04	0.01
2022-06-30	0.05	0.02
2022-03-31	0.02	0.01
2021-12-31	0.03	0.01
2021-09-30	0.01	0.01
2021-06-30
2021-03-31	-0.02	0.03
2020-12-31	-0.03	0.04
2020-09-30	-0.03	0.04

Management Effectiveness

The roa for Oportun Financial Corporation as of June 30, 2025 is -0.01.
The roe for Oportun Financial Corporation as of June 30, 2025 is -0.12.
The roic for Oportun Financial Corporation as of June 30, 2025 is -0.01.
The croic for Oportun Financial Corporation as of June 30, 2025 is 0.01.
The ocroic for Oportun Financial Corporation as of June 30, 2025 is 0.12.

Period End (TTM)	ROA	ROE	ROIC	CROIC	OCROIC
2025-06-30	-0.01	-0.12	-0.01	0.01	0.12
2025-03-31	-0.02	-0.21	-0.02	0.00	0.11
2024-12-31	-0.04	-0.32	-0.04	0.01	0.13
2024-09-30	-0.04	-0.27	-0.04	0.01	0.13
2024-06-30	-0.03	-0.23	-0.03	-0.00	0.12
2024-03-31	-0.05	-0.33	-0.05	0.00	0.11
2023-12-31	-0.04	-0.27	-0.04	-0.02	0.11
2023-09-30	-0.07	-0.36	-0.07	0.02	0.10
2023-06-30	-0.07	-0.35	-0.07	0.02	0.10
2023-03-31	-0.03	-0.12	-0.06	0.01	0.08
2022-12-31	-0.02	-0.11	-0.02	0.01	0.06
2022-09-30	0.03	0.14	-0.02	0.02	0.07
2022-06-30	0.04	0.19	0.03	-0.08	0.07
2022-03-31	0.02	0.10	0.03	-0.00	0.06
2021-12-31	0.02	0.09	0.02	0.01	0.05
2021-09-30	0.02	0.03	0.02	0.03	0.05
2021-06-30	0.01	0.03	0.01	0.07	0.05
2021-03-31	-0.01	-0.06	-0.01	-0.01	0.06
2020-12-31	-0.02	-0.09	-0.02	0.01	0.07
2020-09-30	-0.01	-0.07	-0.02	-0.03	0.10

Gross Margins

The gross margin for Oportun Financial Corporation as of June 30, 2025 is 0.95.
The net margin for Oportun Financial Corporation as of June 30, 2025 is -0.06.
The operating margin for Oportun Financial Corporation as of June 30, 2025 is 0.03.

Gross Margin: The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.

Net Margin: The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.

Operating Margin: The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.

Period End (TTM)	Gross Margin	Net Margin	Operating Margin
2025-06-30	0.95	-0.06	0.03
2025-03-31	0.95	-0.10	0.46
2024-12-31	0.95	-0.16	-0.27
2024-09-30	0.95	-0.15	0.05
2024-06-30	0.95	-0.12	0.05
2024-03-31	0.95	-0.21	0.39
2023-12-31	0.94	-0.16	0.11
2023-09-30	0.93	-0.26	0.08
2023-06-30	0.92	-0.26	0.08
2023-03-31	0.92	-0.26	0.03
2022-12-31	0.92	-0.07	0.16
2022-09-30	0.92	-0.07	0.16
2022-06-30	0.91	0.10	0.12
2022-03-31	0.90	0.14	0.09
2021-12-31	0.90	0.08	0.19
2021-09-30	0.90	0.08	-0.11
2021-06-30	0.90	0.03	-0.15
2021-03-31	0.91	-0.06	-0.01
2020-12-31	0.91	-0.09	0.25
2020-09-30	0.91	-0.06	-0.02