Oportun Financial Corporation

Oportun Financial Corporation

OPRT
Oportun Financial CorporationUS flagNASDAQ Global Select
7.87
USD
+0.46
- -
361.25MMarket Cap
Oportun Financial Corporation
OPRT
(NASDAQ Global Select)

Recent

price

7.87

P/E

ratio

- -

div

yld

- -

ROIC.AI

2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
11.32
14.74
21.51
16.38
12.11
18.82
19.52
7.61
7.31
8.74
8.44
Revenue per Share
2.31
-0.46
5.6
2.28
-1.63
1.68
-2.37
-4.88
-1.95
0.54
0.42
Basic EPS, GAAP
4.54
5.77
5.47
7.12
4.56
5.8
7.55
10.65
9.75
8.91
8.97
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
-1.92
3.32
18.1
16.86
18.87
16.42
11.73
9.8
8.78
8.86
Book Value per Share
- -
-2.13
3.11
17.42
15.87
11.52
12.23
8.4
7.4
7.16
7.4
Tangible Book Value per Share
22
22
22
27
28
28
33
37
40
46
47
Basic Weighted Avg Shares
249
325
474
442
335
530
641
281
295
406
396
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
8
11
12
14
20
27
48
55
51
41
37
Depreciation Expense
51
-10
123
62
-45
47
-78
-180
-79
25
19
Net Income, GAAP
- -
593.28
27.46
27.04
- -
24.49
- -
- -
- -
42.72
51.28
Effective Tax Rate (%)
20.45
-3.14
26.06
13.92
-13.45
8.94
-12.14
-64.12
-26.65
6.22
4.92
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
934
1,310
1,603
1,463
2,207
2,966
2,939
2,822
2,811
2,662
LT Debt
- -
217
347
489
467
604
548
404
354
390
407
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
21.34
-9.44
8.86
-13.5
-37.8
-20.75
6.79
4.98
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
2,799
2,706
2,650
LT Finance Leases
11
11
12
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
44
46
46
Market Capitalization
235
210
262

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
106
130
140
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
30
33
31
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
-1.66%
10.25%
Free Cash Flow
- -
28.96%
5.05%
Net Income, GAAP
- -
-105.21%
-132.09%
Sales/Revenue/Turnover
- -
13.11%
37.48%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
79
60
63
93
295
2025
106
105
105
90
406
2026
95
106
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.68
-0.87
-0.75
0.2
-1.95
2025
0.26
0.16
0.11
0.07
0.54
2026
0.05
0.18
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Oportun Financial Corporation (Nasdaq: OPRT) provides financial services to near-prime and underserved consumers in the United States, including personal loans, secured auto loans, credit cards, deposit accounts, debit card services, and savings and budgeting tools; it operates through online platforms, mobile applications, over-the-phone channels, retail locations in 109 stores across various states, and Lending as a Service partnerships. Founded in 2005 and headquartered in San Carlos, California, the mission-driven company, certified as a Community Development Financial Institution (CDFI) by the U.S. Treasury since 2009, serves approximately 2.0 million members, many from underrepresented groups, helping them establish credit history, access responsible and affordable credit totaling over $19.7 billion disbursed, and save more than $2.4 billion in interest and fees since inception. In September 2025, Oportun extended its lending partnership with Pathward Financial through 2029 to support nationwide unsecured and secured personal loans; in October 2025, it secured a new $247 million three-year revolving warehouse facility led by Citizens Financial Group and Community Investment Management, alongside a 12-month extension on an existing facility with Goldman Sachs and Jefferies, while reducing higher-cost corporate debt from $235 million to $185 million to lower financing costs and strengthen its balance sheet.

Company News

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  • Oportun Appoints Scott Scheirman to its Board of Directors

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  • Oportun Financial Corporation (OPRT) Q2 2026 Earnings Call Transcript

  • Oportun Financial Q2 Earnings Call Highlights

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  • Oportun Outperforms Second Quarter Guidance

  • Wall Street Analysts Think Oportun Financial (OPRT) Could Surge 49.75%: Read This Before Placing a Bet

  • Should Value Investors Buy Oportun Financial (OPRT) Stock?

  • Oportun Financial Corporation (OPRT) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

  • Oportun Launches New Set & Save™ Smart Bills Feature to Help Members Stay Ahead of Recurring Expenses

  • Oportun Launches New Set & Save™ Smart Bills Feature to Help Members Stay Ahead of Recurring Expenses

  • Oportun Named to the CNBC World's Top Fintech Companies 2026 List for Third Consecutive Year

  • Oportun to Report Second Quarter 2026 Financial Results Wednesday, August 5, 2026

  • Oportun Financial (OPRT) Is Attractively Priced Despite Fast-paced Momentum

  • Wall Street Analysts Believe Oportun Financial (OPRT) Could Rally 55.87%: Here's is How to Trade

  • Should Value Investors Buy Oportun Financial (OPRT) Stock?