Oportun Financial Corporation Financial Ratios — OPRT Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	95.24	-79.7	78.83	-172.84	- -	- -	- -
Return on Assets (%)	- -	-1.68	8.35	3.13	-2.14	1.91	-2.37	-5.12	-2.37	0.78
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	3.37	3.26	2.5	3.19	6.03	5.11	7.42	19.56	17.33	10.2
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	6.45	0.64	35.92	19.09	-17.34	11.84	-11.75	-90.38	-39.02	10.86
Profit Margin (%)	20.45	-3.14	26.06	13.92	-13.45	8.94	-12.14	-64.12	-26.65	6.22
Net Income to Common Margin (%)	20.45	-3.14	26.06	13.92	-13.45	8.94	-12.14	-64.12	-26.65	6.22
Effective Tax Rate (%)	- -	593.28	27.46	27.04	- -	24.49	- -	- -	- -	42.72
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	95.24	-79.7	78.83	-172.84	- -	- -	- -

Credit (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	1,088	1,396	1,663	1,710	2,601	3,284	3,228	2,822	2,811
ST Debt	- -	154	85	61	246	394	318	290	- -	- -
LT Debt	- -	934	1,310	1,603	1,463	2,207	2,966	2,939	2,822	2,811
Total Debt/EBITDA	- -	102.78	118.04	117.97	84.56	95.95	69.08	58.82	55.17	67.88
Net Debt/EBITDA	- -	98.21	112.08	109.07	75.37	89.36	66.2	56.64	53.64	65.05
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	-5.82	3.03	3.48	1.81	2.85	0.17	-5.1	-7.83	-6.98
Long-Term Debt/Equity (%)	- -	430.95	378.09	327.88	313.61	365.53	541.65	726.64	797.73	720.61
Long-Term Debt/Capital (%)	- -	72.65	76.8	92.09	83.8	82.21	90.16	96.2	109.83	108.8
Long-Term Debt/Total Assets (%)	- -	76.87	75.31	72.78	72.84	74.91	82.08	86.13	87.46	86.28
Total Debt/Equity (%)	- -	502.16	402.7	340.34	366.41	430.76	599.64	798.33	797.73	720.61
Total Debt/Capital (%)	- -	84.66	81.8	95.59	97.91	96.88	99.81	105.69	109.83	108.8
Total Debt/Total Assets (%)	- -	89.57	80.21	75.55	85.1	88.28	90.87	94.62	87.46	86.28
Net Debt to Equity	- -	479.85	382.36	314.66	326.58	401.17	574.67	768.77	775.64	690.62
Net Debt/Capital (%)	- -	84.06	81.01	92.2	94.65	94.85	98.62	104.91	109.34	108.71
EBITDA	8	11	12	14	20	27	48	55	51	41
EBITDA-CapEx	-6	-1	-6	-12	-6	27	48	55	51	41
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	-5.82	3.03	3.48	1.81	2.85	0.17	-5.1	-7.83	-6.98
Long-Term Debt/Equity (%)	- -	430.95	378.09	327.88	313.61	365.53	541.65	726.64	797.73	720.61
Long-Term Debt/Capital (%)	- -	72.65	76.8	92.09	83.8	82.21	90.16	96.2	109.83	108.8
Long-Term Debt/Total Assets (%)	- -	76.87	75.31	72.78	72.84	74.91	82.08	86.13	87.46	86.28
Total Debt/Equity (%)	- -	502.16	402.7	340.34	366.41	430.76	599.64	798.33	797.73	720.61
Total Debt/Capital (%)	- -	84.66	81.8	95.59	97.91	96.88	99.81	105.69	109.83	108.8
Total Debt/Total Assets (%)	- -	89.57	80.21	75.55	85.1	88.28	90.87	94.62	87.46	86.28
CFO/Total Liabilities	- -	13.94	9.93	12.75	9.91	6.98	8.08	13.06	13.7	14.42
CFO/CapEx	8.02	11.57	7.71	8.33	5.75	- -	- -	- -	- -	- -
Altman's Z-Score	- -	0.19	0.32	0.48	0.4	0.39	0.22	0.04	0.01	0.08

Working Capital (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	74.45	43.26	29.14	20.55	29.19	24.31	17.65	- -	- -
Days Sales Outstanding	- -	4.9	8.44	12.53	17.76	12.5	15.02	20.68	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	643	536	571	181	144	157	246
- Cash & Cash Equivalents	- -	48	70	72	136	131	99	91	60	106
+ Preferred Equity and Hybrid Capital	- -	268	258	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	1,088	1,396	1,663	1,710	2,601	3,284	3,228	2,822	2,811
Enterprise Value	- -	1,308	1,583	2,234	2,110	3,041	3,366	3,281	2,919	2,951
Total Capital	- -	1,286	1,706	1,740	1,746	2,685	3,290	3,055	2,570	2,584
Total Debt/Capital (%)	- -	84.66	81.8	95.59	97.91	96.88	99.81	105.69	109.83	108.8
Total Debt / EV	- -	0.83	0.88	0.74	0.81	0.86	0.98	0.98	0.97	0.95
EV/Sales	- -	4.03	3.34	5.05	6.3	5.73	5.25	11.69	9.89	7.27
EV/EBITDA	- -	123.52	133.89	158.43	104.34	112.17	70.81	59.79	57.06	71.26
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	9.4	11.44	10.23	13.8	18.61	13.58	8.35	7.42	7.14
EV/Free Cash Flow to Firm	- -	8.65	10.13	9.13	11.76	18.61	13.58	8.35	7.42	7.14
Diluted Market Cap	- -	- -	- -	643	536	614	181	144	159	253
Diluted Enterprise Value	- -	1,308	1,583	2,234	2,110	3,084	3,366	3,281	2,921	2,959
EV per Share	- -	59.41	71.9	82.73	76.22	107.88	102.53	88.99	72.33	63.57
TTM Sales	249	325	474	442	335	530	641	281	295	406
TTM EBITDA	8	11	12	14	20	27	48	55	51	41
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	114	139	138	218	153	163	248	393	394	413
TTM Free Cash Flow to Firm	128	151	156	245	179	163	248	393	394	413

Multiples (USD)

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	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	2.63	2.99	3.76	0.73	0.37	0.4	0.61
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	1,308	1,583	2,234	2,110	3,041	3,366	3,281	2,919	2,951
Low Price	- -	- -	- -	14.22	5.26	15.35	4.03	2.13	2.05	3.45
EV/Sales	- -	4.03	3.34	5.05	6.3	5.73	5.25	11.69	9.89	7.27
EV/EBITDA	- -	123.52	133.89	158.43	104.34	112.17	70.81	59.79	57.06	71.26
Price/Earnings	- -	- -	- -	10.43	- -	12.04	- -	- -	- -	9.73
Price/Earnings Average	- -	- -	- -	8.04	-8.94	12.69	-4.26	-1.1	-1.64	10.68
Price/Earnings High	- -	- -	- -	11.33	-14.91	16.62	-9.03	-1.65	-2.36	16.99
Price/Earnings Low	- -	- -	- -	6.23	-3.23	9.13	-1.7	-0.44	-1.05	6.34
Price/Book Value	- -	- -	- -	8.38	14.71	6.81	29.61	-0.83	-0.62	-1.08
Price/Book Value Average	- -	- -	- -	6.46	11.06	7.17	54.22	-1.13	-0.51	-1.19
Price/Book Value High	- -	- -	- -	9.1	18.44	9.4	114.95	-1.71	-0.74	-1.89
Price/Book Value Low	- -	- -	- -	5.01	4	5.16	21.65	-0.45	-0.33	-0.7
Price/Tangible Book Value	- -	- -	- -	1.37	1.22	1.55	0.44	0.5	0.59	0.77
Price/Tangible Book Value Average	- -	- -	- -	1.05	0.92	1.63	0.81	0.68	0.48	0.85
Price/Tangible Book Value High	- -	- -	- -	1.48	1.53	2.14	1.72	1.03	0.69	1.35
Price/Tangible Book Value Low	- -	- -	- -	0.82	0.33	1.17	0.32	0.27	0.31	0.5
Price/Sales	- -	- -	- -	1.45	1.6	1.08	0.28	0.51	0.53	0.61
Price/Sales Average	- -	- -	- -	1.12	1.2	1.13	0.52	0.7	0.44	0.66
Price/Sales High	- -	- -	- -	1.58	2.01	1.49	1.1	1.06	0.63	1.06
Price/Sales Low	- -	- -	- -	0.87	0.43	0.82	0.21	0.28	0.28	0.39
Price/Cash Flow	- -	- -	- -	2.94	3.51	3.49	0.73	0.37	0.4	0.59
Price/Cash Flow Average	- -	- -	- -	2.27	2.64	3.68	1.34	0.5	0.33	0.65
Price/Cash Flow High	- -	- -	- -	3.2	4.4	4.82	2.83	0.76	0.47	1.04
Price/Cash Flow Low	- -	- -	- -	1.76	0.95	2.65	0.53	0.2	0.21	0.39
Price/Free Cash Flow Average	- -	- -	- -	2.02	2.25	3.96	1.34	0.5	0.33	0.67
Price/Free Cash Flow High	- -	- -	- -	2.85	3.74	5.19	2.83	0.76	0.48	1.07
Price/Free Cash Flow Low	- -	- -	- -	1.57	0.81	2.85	0.53	0.2	0.21	0.4
EV/Sales Average	- -	4.03	3.34	4.72	5.9	5.79	5.49	11.88	9.79	7.33
EV/Sales High	- -	4.03	3.34	5.17	6.7	6.14	6.07	12.24	9.99	7.72
EV/Sales Low	- -	4.03	3.34	4.47	5.13	5.47	5.18	11.46	9.64	7.06
EV/EBITDA Average	- -	123.52	133.89	147.96	97.76	113.3	73.97	60.76	56.52	71.84
EV/EBITDA High	- -	123.52	133.89	162.33	111.06	120.18	81.78	62.58	57.63	75.69
EV/EBITDA Low	- -	123.52	133.89	140.08	85.02	107.08	69.79	58.59	55.62	69.2
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	23.8	19.37	20.25	5.51	3.91	3.88	5.29
High Price	- -	- -	- -	25.84	24.28	27.95	21.39	8.06	4.6	9.24
Enterprise Value Average	- -	1,308	1,583	2,086	1,977	3,072	3,516	3,335	2,891	2,975
Enterprise Value High	- -	1,308	1,583	2,289	2,246	3,258	3,887	3,435	2,948	3,134
Enterprise Value Low	- -	1,308	1,583	1,975	1,719	2,903	3,317	3,216	2,845	2,866

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	- -	27	27	27	28	32	33	34	36	44
Diluted Weighted Avg Shares	23	22	22	27	28	30	33	37	41	48
Basic Weighted Avg Shares	22	22	22	27	28	28	33	37	40	46
Revenue per Share	11.32	14.74	21.51	16.38	12.11	18.82	19.52	7.61	7.31	8.74
EBITDA per Share	0.38	0.48	0.54	0.52	0.73	0.96	1.45	1.49	1.27	0.89
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	2.31	-0.46	5.6	2.28	-1.63	1.68	-2.37	-4.88	-1.95	0.54
Basic EPS from Cont Ops	2.31	-0.46	5.6	2.28	-1.63	1.68	-2.37	-4.88	-1.95	0.54
Diluted EPS, GAAP	2.2	-0.46	5.59	2.28	-1.63	1.56	-2.37	-4.88	-1.93	0.53
Diluted EPS from Cont Ops	2.2	-0.46	5.59	2.28	-1.63	1.56	-2.37	-4.88	-1.93	0.53
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	5.18	6.32	6.29	8.09	5.52	5.8	7.55	10.65	9.75	8.91
Free Cash Flow per Basic Share	4.54	5.77	5.47	7.12	4.56	5.8	7.55	10.65	9.75	8.91
Cash & Equivalents per Share	- -	2.2	3.2	2.67	4.92	4.65	3.01	2.47	1.49	2.27
Book Value per Share	- -	-3.21	2.39	2.84	1.32	2.97	0.19	-4.71	-6.26	-4.9
Tangible Book Value per Share	- -	-2.59	3.78	17.42	15.87	13.08	12.42	7.86	6.62	6.86

Oportun Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)