Oportun Financial Corporation
General ticker "OPRT" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $260.4M (TTM average)
Oportun Financial Corporation follows the US Stock Market performance with the rate: 18.6%.
Estimated limits based on current volatility of 2.2%: low 4.99$, high 5.21$
Factors to consider:
- Total employees count: 2429 as of 2024
- Top business risk factors: Market competition, Economic downturns and volatility, Cybersecurity threats, Partner dependency, Ineffective risk management
- Current price 17.5% below estimated low
- Earnings for 9 months up through Q3 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [4.53$, 10.77$]
- 2025-12-31 to 2026-12-31 estimated range: [6.10$, 13.09$]
Financial Metrics affecting the OPRT estimates:
- Positive: with PPE of 5.8 at the end of fiscal year the price was low
- Negative: negative Operating income
- Positive: Operating cash flow per share per price, % of 247.49 > 12.91
- Positive: Industry operating cash flow per share per price (median), % of 12.45 > 10.14
- Positive: 0.07 < Industry earnings per price (median), % of 4.12
- Positive: Industry operating profit margin (median), % of 15.11 > 9.53
- Positive: -3.57 < Return on assets ratio (scaled to [-100,100]) of -2.38
- Positive: Inventory ratio change, % of 0 <= 0
Short-term OPRT quotes
Long-term OPRT plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $733.70MM | $460.08MM | $533.36MM |
| Operating Expenses | $808.99MM | $713.73MM | $648.54MM |
| Operating Income | $-75.29MM | $-253.65MM | $-115.18MM |
| Interest Expense | $93.00MM | $179.41MM | $238.16MM |
| Income(Loss) | $-75.29MM | $-253.65MM | $-115.18MM |
| Taxes | $2.46MM | $-73.70MM | $-36.49MM |
| Profit(Loss)* | $-77.74MM | $-179.95MM | $-78.68MM |
| Stockholders Equity | $547.60MM | $404.40MM | $353.81MM |
| Assets | $3,613.70MM | $3,411.89MM | $3,227.10MM |
| Operating Cash Flow | $247.88MM | $392.76MM | $393.52MM |
| Capital expenditure | $48.89MM | $31.26MM | $19.19MM |
| Investing Cash Flow | $-1,171.55MM | $-286.18MM | $-193.69MM |
| Financing Cash Flow | $934.53MM | $-104.39MM | $-191.22MM |
| Earnings Per Share** | $-2.37 | $-4.88 | $-1.95 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.