Stocktoria

Oportun Financial Corp OPRT

Nasdaq · stock · Finance Services · website · IPO 2019-09-26 · LEI

Oportun Financial Corp statistics & valuation

Market cap$263.0M
P / E10.4×
P / S0.3×
P / B0.7×
Net margin2.6%
Return on equity6.5%
Graham number +31.1%$9.86

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($9.86); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
24.80% 10.30% -7.70% 7.60% -8.20% -17.00% -7.90% 2.60% 20182019202020212022202320242025
Gross margin (%)
20182019202020212022202320242025
Operating margin (%)
20182019202020212022202320242025
Return on equity (%)
35.60% 12.60% -9.70% 7.90% -14.20% -44.50% -22.20% 6.50% 20182019202020212022202320242025
Shares outstanding
3.7M 27.0M 27.7M 32.0M 33.4M 36.9M 40.4M 47.9M 20182019202020212022202320242025
Net debt ($)
-$16.9M 20182019202020212022202320242025
Share buybacks ($)
20182019202020212022202320242025
Return on assets (%)
7.10% 2.80% -2.20% 1.60% -2.20% -5.30% -2.40% 0.80% 20182019202020212022202320242025
Free cash flow margin (%)
24.90% 34.90% 25.40% 24.10% 25.40% 20182019202020212022202320242025
Debt / equity (×)
0.19× 20182019202020212022202320242025
EPS ($)
$4.47 $0.40 -$1.65 $1.56 -$2.37 -$4.88 -$1.95 $0.53 20182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Net margin2.6%-7.9%-17.0%-8.2%7.6%-7.7%10.3%24.8%
FCF margin———25.4%24.1%25.4%34.9%24.9%
Return on assets0.8%-2.4%-5.3%-2.2%1.6%-2.2%2.8%7.1%
Return on equity6.5%-22.2%-44.5%-14.2%7.9%-9.7%12.6%35.6%
Debt / equity————0.19×———

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.