Oportun Financial Corporation
NASDAQ Global SelectTotal Valuation
Oportun Financial Corporation carries a market capitalization of 215.89M, placing it among publicly traded companies globally. Its enterprise value stands at 2.80B, reflecting the total theoretical takeover cost after accounting for cash holdings and debt obligations.
| Market Cap | 215.89M |
| Enterprise Value | 2.80B |
Share Statistics
Oportun Financial Corporation currently has 45.60M shares outstanding.
| Shares Outstanding | 45.60M |
| Owned by Insiders (%) | N/A |
| Owned by Institutions (%) | N/A |
Valuation Ratios
Oportun Financial Corporation trades at a trailing price-to-earnings ratio of 12.01. The price-to-sales ratio is 0.54, and the price-to-book ratio stands at -0.95.
| PE Ratio | 12.01 |
| PS Ratio | 0.54 |
| PB Ratio | -0.95 |
| P/TBV Ratio | 0.65 |
| P/FCF Ratio | 0.53 |
| P/OCF Ratio | 0.51 |
Enterprise Valuation
On an enterprise value basis, Oportun Financial Corporation trades at an EV/EBITDA multiple of 71.20 and an EV/FCF ratio of 6.73.
| EV / Sales | 7.09 |
| EV / EBITDA | 71.20 |
| EV / EBIT | N/A |
| EV / FCF | 6.73 |
Financial Position
| Current Ratio | N/A |
| Quick Ratio | N/A |
| Debt / Equity | 685.79 |
| Debt / EBITDA | 69.07 |
| Interest Coverage | N/A |
Financial Efficiency
| Return on Equity (ROE) | N/A |
| Return on Assets (ROA) | 0.56 |
| Return on Invested Capital (ROIC) | N/A |
| Return on Capital Employed (ROCE) | N/A |
| Revenue Per Employee | N/A |
| Employee Count | N/A |
| Inventory Turnover | N/A |
Taxes
Over the trailing twelve months, Oportun Financial Corporation has paid 16.65M in income taxes, reflecting an effective tax rate of 48.30.
| Income Tax | 16.65M |
| Effective Tax Rate | 48.30 |
Stock Price Statistics
Oportun Financial Corporation's stock has declined approximately -24.35897% over the past 52 weeks. The 50-day moving average sits at 5.30, while the 200-day moving average is 5.44.
| Beta (5Y) | N/A |
| 52-Week Price Change | -24.35897% |
| 50-Day Moving Average | 5.30 |
| 200-Day Moving Average | 5.44 |
| Average Volume (20 Days) | N/A |
Income Statement
Over the trailing twelve months, Oportun Financial Corporation generated 394.90M in revenue and converted that into 17.82M in net income, yielding earnings per share of 0.37.
| Revenue | 394.90M |
| Gross Profit | N/A |
| Operating Income | N/A |
| Pretax Income | 34.48M |
| Net Income | 17.82M |
| EBITDA | 39.34M |
| EBIT | N/A |
| Earnings Per Share (EPS) | 0.37 |
Balance Sheet
Oportun Financial Corporation holds 130.38M in cash and equivalents against 2.72B in total debt, resulting in a net debt position of 2.58B.
| Cash & Cash Equivalents | 130.38M |
| Total Debt | 2.72B |
| Net Debt | 2.58B |
| Equity (Book Value) | -224.93M |
| Book Value Per Share | -4.84 |
| Working Capital | N/A |
Cash Flow
Oportun Financial Corporation produced 416.16M in operating cash flow over the past twelve months.
| Operating Cash Flow | 416.16M |
| Capital Expenditures | N/A |
| Free Cash Flow | 416.16M |
| FCF Per Share | 8.96 |
Margins
Oportun Financial Corporation operates with a gross margin of 100.00, reflecting its pricing power and cost economics.
| Gross Margin | 100.00 |
| Operating Margin | N/A |
| Pretax Margin | 8.73 |
| Profit Margin | 4.51 |
| EBITDA Margin | 9.96 |
Dividends & Yields
| Dividend Per Share | N/A |
| Dividend Yield | N/A |
| Payout Ratio | N/A |
| Shareholder Yield | 61.22 |
| FCF Yield | 187.21 |
Scores
Oportun Financial Corporation posts an Altman Z-Score of 0.07, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.
| Altman Z-Score | 0.07 |