Oportun Financial (OPRT) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Oportun Financial

NasdaqGS•Financial Services•Credit Services

$7.78-0.21(-0.03%)After hours

Market Cap

$370.89M

P/E

19.0x

P/S

0.4x

P/B

0.9x

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.

How this company scores

WeakMetricSide Score: 62/100

Grade capped at D — Interest coverage below 1× (0.4x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (21/25); weakest: Growth (10/25).

Profitability13/25

Growth10/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality21/25

Strengths

Rising earningsLow leverageCash-backed earningsConsistent free cash flow

Grade capped at D

Interest coverage below 1× (0.4x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 19.0x5y range 0.9x – 19.0x

Currently above its 8-quarter median.

P/S · 0.4x5y range 0.1x – 0.4x

Currently above its 20-quarter median.

P/B · 0.9x5y range 0.1x – 0.9x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Revenue Decline

Red Flag

Revenue declined in 7 of the last 7 quarters — persistent contraction signals a fundamental problem.

Price & Volume

Market Cap $370.89M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $948.43M
Q. Revenue: $233.23M
TTM EBITDA: $77.44M
TTM Op. Income: $39.99M
Q. Op. Income: $15.62M
TTM Net Income: $19.48M
Q. Net Income: $8.54M
EPS: $0.18
Shares Out.: $48.42M

$948.43M in TTM revenue declined 2.3% YoY, reaching $233.23M last quarter. TTM EBITDA of $77.44M and TTM operating income of $39.99M show growth is flowing through to the bottom line. TTM net income of $19.48M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 7 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 10.5%
Op. Margin: 6.7%
Net Margin: 3.7%

Op. margin of 6.7% is up 2.4% YoY — cost efficiency is improving. Net margin at 3.7% Over the past year, operating margin is up 55% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 19.0x
P/S Ratio: 0.4x
P/B Ratio: 0.9x

At 19.0x P/E, the stock trades within typical market levels. P/S of 0.4x and P/B of 0.9x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 4 quarters, P/E has risen for 3 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.13B
Cash: $139.59M
Long-Term Debt: $119.89M
Book Value: $407.13M
D/E Ratio: 0.3
Debt/EBITDA: 4.9

With $3.13B in assets and $119.89M in long-term debt, D/E is 0.3and book value is $407.13M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $109.31M
TTM Free Cash Flow: $420.95M
FCF Margin: 44.4%
FCF / Net Income: 21.6

TTM FCF of $420.95M on $109.31M in operating cash flow. The FCF / Net Income ratio of 21.6x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.