OPRT
Oportun Financial Corporation
Price Chart
Latest Quote
$6.00
-0.45 (-6.98%)
Current Price
| Previous Close | $6.45 |
| Open | $6.31 |
| Day High | $6.34 |
| Day Low | $5.99 |
| Volume | 557,621 |
Stock Information
| Shares Outstanding | 45.95M |
| Total Debt | $2.72B |
| Cash Equivalents | $130.38M |
| Revenue | $727.47M |
| Net Income | $17.82M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $275.70M |
| P/E Ratio | 16.22 |
| EPS (TTM) | $0.37 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $2.88B |
| Sales | $727.47M |
| Income | $17.82M |
| Book/sh | $8.69 |
| Cash/sh | $2.84 |
| Employees | 2K |
Financial Ratios
| Quick Ratio | 58.19 |
| Current Ratio | 60.01 |
| Debt/Eq | 685.78 |
| EPS Growth TTM | -76.00% |
Returns & Margins
| ROA | 0.56% |
| ROE | 4.68% |
| Gross Margin | 95.12% |
| Operating Margin | 2.52% |
| Profit Margin | 2.45% |
Ownership
| Insider Ownership | 6.11% |
| Institutional Ownership | 84.01% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 3.18 |
| P/S | 0.38 |
| P/B | 0.69 |
Analyst Data
| Recommendation | buy |
| Target Price | $9.00 |
Technical Indicators
| SMA20 | $5.74 |
| SMA50 | $5.44 |
| SMA200 | $5.28 |
| RSI | 54.27 |
| ATR | 0.3482 |
| Shares Float | 30.66M |
| Short Float | 3.54% |
| Short Ratio | 2.77 |
| Volatility | 1.23 |
| Rel Volume | 0.93 |
Performance History
| Week | -0.17% |
| Month | +15.16% |
| Quarter | +12.36% |
| 6 Months | +18.34% |
| YTD | +18.58% |
| Year | -3.54% |
| 3 Years | +0.17% |
| 5 Years | -70.53% |
| 10 Years | -62.89% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-07-17 | $6.00 | 557,621 |
| 2026-07-16 | $6.45 | 770,200 |
| 2026-07-15 | $5.67 | 369,400 |
| 2026-07-14 | $5.78 | 524,400 |
| 2026-07-13 | $5.71 | 468,800 |
| 2026-07-10 | $6.01 | 1,109,700 |
| 2026-07-09 | $5.63 | 330,100 |
| 2026-07-08 | $5.46 | 476,700 |
| 2026-07-07 | $5.68 | 382,600 |
| 2026-07-06 | $5.84 | 301,100 |
| 2026-07-02 | $5.90 | 541,300 |
| 2026-07-01 | $5.90 | 694,600 |
| 2026-06-30 | $5.71 | 354,100 |
| 2026-06-29 | $5.73 | 390,300 |
| 2026-06-26 | $5.75 | 1,275,000 |
| 2026-06-25 | $5.73 | 568,300 |
| 2026-06-24 | $5.66 | 510,400 |
| 2026-06-23 | $5.55 | 572,700 |
| 2026-06-22 | $5.40 | 642,000 |
| 2026-06-18 | $5.16 | 1,109,000 |
About Oportun Financial Corporation
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.
đ° Latest News
Oportun Financial (OPRT) Is Attractively Priced Despite Fast-paced Momentum
Zacks âĸ 2026-07-15T12:55:01Z
Wall Street Analysts Believe Oportun Financial (OPRT) Could Rally 55.87%: Here's is How to Trade
Zacks âĸ 2026-07-14T13:55:03Z
Should Value Investors Buy Oportun Financial (OPRT) Stock?
Zacks âĸ 2026-07-14T13:40:02Z
Oportun Financial (OPRT) Soars 6.8%: Is Further Upside Left in the Stock?
Zacks âĸ 2026-07-13T19:37:00Z
StepStone Group (STEP) Surges 6.9%: Is This an Indication of Further Gains?
Zacks âĸ 2026-07-07T17:54:00Z
How The Oportun Financial (OPRT) Investment Story Is Shifting With Price Targets And Risk Views
Simply Wall St. âĸ 2026-05-09T15:11:41Z
Oportun Financial Q1 Earnings Call Highlights
MarketBeat âĸ 2026-05-08T12:07:15Z
Oportun Financial Corporation (OPRT) Matches Q1 Earnings Estimates
Zacks âĸ 2026-05-08T02:25:07Z
Oportun Financial Corporation Q1 2026 Earnings Call Summary
Moby âĸ 2026-05-08T00:49:06Z
TeraWulf Inc. (WULF) Expected to Beat Earnings Estimates: Should You Buy?
Zacks âĸ 2026-05-01T14:00:10Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $405,837,000 | $295,204,000 | $280,666,000 | $640,657,000 |
| Operating Revenue | $405,837,000 | $295,204,000 | $280,666,000 | $640,657,000 |
| Expenses | ||||
| Interest Expense | $231,503,000 | $238,158,000 | $179,414,000 | $93,046,000 |
| Selling And Marketing Expense | $70,596,000 | $66,973,000 | $75,284,000 | $110,033,000 |
| General And Administrative Expense | $113,929,000 | $140,384,000 | $194,228,000 | $213,688,000 |
| Professional Expense And Contract Services Expense | $34,795,000 | $36,847,000 | $45,401,000 | $67,630,000 |
| Other Non Interest Expense | $142,441,000 | $166,177,000 | $219,406,000 | $216,120,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $25,246,000 | $-78,682,000 | $-179,951,000 | $-77,744,000 |
| Net Interest Income | $679,133,000 | $711,531,000 | $805,157,000 | $786,908,000 |
| Interest Income | $910,636,000 | $949,689,000 | $984,571,000 | $879,954,000 |
| Normalized Income | $25,246,000 | $-78,682,000 | $-179,951,000 | $7,948,880 |
| Net Income From Continuing And Discontinued Operation | $25,246,000 | $-78,682,000 | $-179,951,000 | $-77,744,000 |
| Net Income Common Stockholders | $25,246,000 | $-78,682,000 | $-179,951,000 | $-77,744,000 |
| Net Income | $25,246,000 | $-78,682,000 | $-179,951,000 | $-77,744,000 |
| Net Income Including Noncontrolling Interests | $25,246,000 | $-78,682,000 | $-179,951,000 | $-77,744,000 |
| Net Income Continuous Operations | $25,246,000 | $-78,682,000 | $-179,951,000 | $-77,744,000 |
| Pretax Income | $44,076,000 | $-115,177,000 | $-253,653,000 | $-75,286,000 |
| Special Income Charges | - | - | $0 | $-108,472,000 |
| Per Share | ||||
| Diluted EPS | $0.53 | $-1.95 | $-4.88 | $-2.37 |
| Basic EPS | $0.54 | $-1.95 | $-4.88 | $-2.37 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $-22,779,120 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $41,412,000 | $51,157,000 | $54,885,000 | $47,533,000 |
| Diluted Average Shares | $47,858,631 | $40,856,730 | $36,875,950 | $32,825,772 |
| Basic Average Shares | $46,418,934 | $40,356,025 | $36,875,950 | $32,825,772 |
| Diluted NI Availto Com Stockholders | $25,246,000 | $-78,682,000 | $-179,951,000 | $-77,744,000 |
| Tax Provision | $18,830,000 | $-36,495,000 | $-73,702,000 | $2,458,000 |
| Gain On Sale Of Security | $-8,931,000 | $11,995,000 | $3,299,000 | $-11,986,000 |
| Selling General And Administration | $184,525,000 | $207,357,000 | $269,512,000 | $323,721,000 |
| Other Gand A | $33,980,000 | $53,218,000 | $72,385,000 | $58,838,000 |
| Salaries And Wages | $79,949,000 | $87,166,000 | $121,843,000 | $154,850,000 |
| Total Unusual Items | - | - | $0 | $-108,472,000 |
| Total Unusual Items Excluding Goodwill | - | - | $0 | $-108,472,000 |
| Impairment Of Capital Assets | - | - | $0 | $108,472,000 |
Fetched: 2026-07-16
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $318,384,000 | $267,221,000 | $289,669,000 | $407,798,000 |
| Total Assets | $3,257,856,000 | $3,227,103,000 | $3,411,888,000 | $3,613,695,000 |
| Goodwill And Other Intangible Assets | $71,698,000 | $86,588,000 | $114,735,000 | $139,801,000 |
| Other Intangible Assets | $71,698,000 | $86,588,000 | $114,735,000 | $139,801,000 |
| Prepaid Assets | $11,647,000 | $11,623,000 | $15,758,000 | $24,167,000 |
| Receivables | $8,077,000 | $8,392,000 | $8,781,000 | $11,123,000 |
| Other Receivables | $8,077,000 | $8,392,000 | $8,781,000 | $11,123,000 |
| Cash And Cash Equivalents | $105,525,000 | $59,968,000 | $91,187,000 | $98,817,000 |
| Cash Cash Equivalents And Federal Funds Sold | $198,934,000 | $214,625,000 | $206,016,000 | $203,817,000 |
| Accounts Receivable | - | - | - | $31,796,000 |
| Debt | ||||
| Net Debt | $2,693,970,000 | $2,744,275,000 | $2,818,983,000 | $2,829,304,000 |
| Total Debt | $2,810,963,000 | $2,822,443,000 | $2,938,546,000 | $2,966,068,000 |
| Long Term Debt And Capital Lease Obligation | $2,810,963,000 | $2,822,443,000 | $2,938,546,000 | $2,966,068,000 |
| Long Term Debt | $2,799,495,000 | $2,804,243,000 | $2,910,170,000 | $2,928,121,000 |
| Current Debt And Capital Lease Obligation | - | - | $289,951,000 | $317,568,000 |
| Current Debt | - | - | $289,951,000 | $317,568,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,867,774,000 | $2,873,294,000 | $3,007,484,000 | $3,066,096,000 |
| Payables And Accrued Expenses | $29,946,000 | $34,952,000 | $49,802,000 | $53,293,000 |
| Payables | $22,892,000 | $22,511,000 | $25,011,000 | $27,100,000 |
| Other Payable | $1,400,000 | $1,759,000 | $4,169,000 | $3,073,000 |
| Total Tax Payable | $4,055,000 | $3,136,000 | $7,139,000 | $5,912,000 |
| Income Tax Payable | $4,055,000 | $3,136,000 | $7,139,000 | $5,912,000 |
| Accounts Payable | $17,437,000 | $17,616,000 | $13,703,000 | $18,115,000 |
| Non Current Deferred Liabilities | - | - | - | $30,575,000 |
| Non Current Deferred Taxes Liabilities | - | - | - | $30,575,000 |
| Equity | ||||
| Common Stock Equity | $390,082,000 | $353,809,000 | $404,404,000 | $547,599,000 |
| Total Equity Gross Minority Interest | $390,082,000 | $353,809,000 | $404,404,000 | $547,599,000 |
| Stockholders Equity | $390,082,000 | $353,809,000 | $404,404,000 | $547,599,000 |
| Retained Earnings | $-227,285,000 | $-252,531,000 | $-173,849,000 | $6,102,000 |
| Other | ||||
| Treasury Shares Number | $272,023 | $272,023 | $272,023 | $272,023 |
| Ordinary Shares Number | $44,437,042 | $36,111,856 | $34,469,053 | $33,354,607 |
| Share Issued | $44,709,065 | $36,383,879 | $34,741,076 | $33,626,630 |
| Tangible Book Value | $318,384,000 | $267,221,000 | $289,669,000 | $407,798,000 |
| Invested Capital | $3,189,577,000 | $3,158,052,000 | $3,314,574,000 | $3,475,720,000 |
| Capital Lease Obligations | $11,468,000 | $18,200,000 | $28,376,000 | $37,947,000 |
| Total Capitalization | $3,189,577,000 | $3,158,052,000 | $3,314,574,000 | $3,475,720,000 |
| Treasury Stock | $6,309,000 | $6,309,000 | $6,309,000 | $6,309,000 |
| Additional Paid In Capital | $623,668,000 | $612,642,000 | $584,555,000 | $547,799,000 |
| Capital Stock | $8,000 | $7,000 | $7,000 | $7,000 |
| Common Stock | $8,000 | $7,000 | $7,000 | $7,000 |
| Employee Benefits | $23,174,000 | $12,207,000 | $15,359,000 | $12,502,000 |
| Long Term Capital Lease Obligation | $11,468,000 | $18,200,000 | $28,376,000 | $37,947,000 |
| Current Accrued Expenses | $7,054,000 | $12,441,000 | $24,791,000 | $26,193,000 |
| Net PPE | $11,514,000 | $12,750,000 | $28,096,000 | $40,972,000 |
| Accumulated Depreciation | $-39,282,000 | $-37,632,000 | $-41,953,000 | $-37,688,000 |
| Gross PPE | $50,796,000 | $50,382,000 | $70,049,000 | $78,660,000 |
| Other Properties | $50,796,000 | $50,382,000 | $70,049,000 | $78,660,000 |
| Line Of Credit | - | - | $289,951,000 | $317,568,000 |
| Goodwill | - | - | - | $0 |
| Leases | - | - | - | - |
| Machinery Furniture Equipment | - | - | - | - |
Fetched: 2026-07-16
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $389,079,000 | $374,335,000 | $361,504,000 | $198,983,000 |
| Operating Activities | ||||
| Operating Cash Flow | $413,409,000 | $393,522,000 | $392,765,000 | $247,875,000 |
| Cash Flow From Continuing Operating Activities | $413,409,000 | $393,522,000 | $392,765,000 | $247,875,000 |
| Operating Gains Losses | $313,705,000 | $462,403,000 | $588,358,000 | $213,139,000 |
| Investing Activities | ||||
| Capital Expenditure | $-24,330,000 | $-19,187,000 | $-31,261,000 | $-48,892,000 |
| Investing Cash Flow | $-369,725,000 | $-193,689,000 | $-286,181,000 | $-1,171,548,000 |
| Cash Flow From Continuing Investing Activities | $-369,725,000 | $-193,689,000 | $-286,181,000 | $-1,171,548,000 |
| Net Other Investing Changes | $-971,000 | $-886,000 | $-1,442,000 | $-5,995,000 |
| Capital Expenditure Reported | $-24,330,000 | $-19,187,000 | $-31,261,000 | $-48,892,000 |
| Financing Activities | ||||
| Financing Cash Flow | $-59,375,000 | $-191,224,000 | $-104,385,000 | $934,530,000 |
| Cash Flow From Continuing Financing Activities | $-59,375,000 | $-191,224,000 | $-104,385,000 | $934,530,000 |
| Net Other Financing Charges | $-3,653,000 | $-13,040,000 | $-5,418,000 | $-16,854,000 |
| Other | ||||
| Repayment Of Debt | $-2,925,636,000 | $-1,914,913,000 | $-1,044,427,000 | $-2,282,675,000 |
| Issuance Of Debt | $2,869,914,000 | $1,736,729,000 | $945,460,000 | $3,234,059,000 |
| Interest Paid Supplemental Data | $194,720,000 | $213,973,000 | $183,973,000 | $85,775,000 |
| Income Tax Paid Supplemental Data | $2,848,000 | $1,043,000 | - | - |
| End Cash Position | $198,934,000 | $214,625,000 | $206,016,000 | $203,817,000 |
| Beginning Cash Position | $214,625,000 | $206,016,000 | $203,817,000 | $192,960,000 |
| Changes In Cash | $-15,691,000 | $8,609,000 | $2,199,000 | $10,857,000 |
| Net Issuance Payments Of Debt | $-55,722,000 | $-178,184,000 | $-98,967,000 | $951,384,000 |
| Net Long Term Debt Issuance | $-55,722,000 | $-178,184,000 | $-98,967,000 | $951,384,000 |
| Long Term Debt Payments | $-2,925,636,000 | $-1,914,913,000 | $-1,044,427,000 | $-2,282,675,000 |
| Long Term Debt Issuance | $2,869,914,000 | $1,736,729,000 | $945,460,000 | $3,234,059,000 |
| Change In Working Capital | $-2,294,000 | $-30,263,000 | $-21,050,000 | $-80,738,000 |
| Other Non Cash Items | $24,654,000 | $-24,082,000 | $-68,070,000 | $9,593,000 |
| Stock Based Compensation | $10,686,000 | $12,989,000 | $18,593,000 | $27,620,000 |
| Depreciation Amortization Depletion | $41,412,000 | $51,157,000 | $54,885,000 | $47,533,000 |
| Depreciation And Amortization | $41,412,000 | $51,157,000 | $54,885,000 | $47,533,000 |
| Net Income From Continuing Operations | $25,246,000 | $-78,682,000 | $-179,951,000 | $-77,744,000 |
| Asset Impairment Charge | - | - | $0 | $108,472,000 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Purchase Of Business | - | - | - | $0 |
| Deferred Tax | - | - | - | $0 |
| Deferred Income Tax | - | - | - | $0 |
| Change In Other Current Liabilities | - | - | - | - |
| Change In Other Current Assets | - | - | - | - |
| Change In Receivables | - | - | - | - |
Fetched: 2026-07-16