Oportun Financial Corporation
General ticker "OPRT" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $271.6M (TTM average)
Oportun Financial Corporation follows the US Stock Market performance with the rate: 10.7%.
Estimated limits based on current volatility of 4.1%: low 5.77$, high 6.27$
Factors to consider:
- Total employees count: 2429 as of 2024
- Company does not operate outside North America (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Liquidity and credit risks, Cybersecurity threats, Regulatory and compliance, Market competition
- Price in estimated range
- Earnings for 3 months up through Q1 are below 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 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [3.79$, 8.03$]
- 2026-12-31 to 2027-12-31 estimated range: [4.39$, 8.92$]
Financial Metrics affecting the OPRT estimates:
- Positive: with PPE of 3.9 at the end of fiscal year the price was low
- Positive: Operating cash flow per share per price, % of 159.91 > 12.93
- Positive: 7.57 < Operating profit margin, % of 10.86
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry operating profit margin (median), % of 18.77 > 9.66
- Positive: -3.72 < Return on assets ratio (scaled to [-100,100]) of 0.77
- Negative: Industry earnings per price (median), % of 3.82 <= 4.44
- Positive: Industry operating cash flow per share per price (median), % of 19.17 > 10.32
Short-term OPRT quotes
Long-term OPRT plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $280.67MM | $295.20MM | $405.84MM |
| Operating Expenses | $534.32MM | $410.38MM | $361.76MM |
| Operating Income | $-253.65MM | $-115.18MM | $44.08MM |
| Interest Expense | $179.41MM | $238.16MM | $231.50MM |
| Income(Loss) | $-253.65MM | $-115.18MM | $44.08MM |
| Taxes | $-73.70MM | $-36.49MM | $18.83MM |
| Net Income(Loss)* | $-179.95MM | $-78.68MM | $25.25MM |
| Stockholders Equity | $404.40MM | $353.81MM | $390.08MM |
| Assets | $3,411.89MM | $3,227.10MM | $3,257.86MM |
| Operating Cash Flow | $392.76MM | $393.52MM | $413.41MM |
| Capital expenditure | $31.26MM | $19.19MM | $24.33MM |
| Investing Cash Flow | $-286.18MM | $-193.69MM | $-369.73MM |
| Financing Cash Flow | $-104.39MM | $-191.22MM | $-59.38MM |
| Earnings Per Share** | $-4.88 | $-1.95 | $0.53 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.