OPRT Stock Price, Oportun Financial Corp Quote, Chart

Market Summary

USD3.59-0.17

Delayed

-4.52%

OPRT Stock Price

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OPRT RSI Chart

OPRT Valuation

Market Cap

127.8M

Price/Earnings (Trailing)

-1.22

Price/Sales (Trailing)

0.12

EV/EBITDA

-0.6

Price/Free Cashflow

0.32

OPRT Price/Sales (Trailing)

OPRT Profitability

EBT Margin

-13.61%

Return on Equity

-27.31%

Return on Assets

-3.18%

Free Cashflow Yield

314.54%

OPRT Fundamentals

OPRT Revenue

Revenue (TTM)

1.0B

Rev. Growth (Yr)

-3.48%

Rev. Growth (Qtr)

-4.62%

OPRT Earnings

Earnings (TTM)

-104.3M

Earnings Growth (Yr)

74.1%

Earnings Growth (Qtr)

36.79%

Breaking Down OPRT Revenue

Last 7 days

-18.8%

Last 30 days

68.5%

Last 90 days

-5.3%

Trailing 12 Months

-35.1%

How does OPRT drawdown profile look like?

OPRT Financial Health

Debt/Equity

0.63

Debt/Cashflow

1.66

OPRT Investor Care

Shares Dilution (1Y)

5.01%

Diluted EPS (TTM)

-2.64

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	1.0B	0	0	0
2023	997.3M	1.0B	1.1B	1.1B
2022	706.2M	793.7M	884.7M	952.5M
2021	555.6M	551.2M	573.5M	626.8M
2020	625.2M	625.4M	608.2M	583.7M
2019	523.2M	548.9M	574.5M	600.1M
2018	0	0	429.3M	497.6M
2017	0	0	0	361.0M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Oportun Financial Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Mar 15, 2024	kirscht patrick	sold (taxes)	-101,275	3.03	-33,424	chief credit officer
Mar 15, 2024	coblentz jonathan aaron	acquired	-	-	7,895	cfo & chief admin officer
Mar 15, 2024	coblentz jonathan aaron	sold (taxes)	-46,559	3.52	-13,227	cfo & chief admin officer
Mar 15, 2024	kirscht patrick	acquired	-	-	9,869	chief credit officer
Mar 15, 2024	vazquez raul	sold (taxes)	-179,263	3.52	-50,927	chief executive officer
Mar 15, 2024	layton kathleen i.	sold (taxes)	-25,336	3.03	-8,362	chief legal officer
Mar 15, 2024	vazquez raul	acquired	-	-	23,027	chief executive officer
Mar 15, 2024	mueller casey	sold (taxes)	-12,983	3.03	-4,285	global controller and pao
Feb 07, 2024	minetti carlos	acquired	-	-	7,817	-
Feb 07, 2024	daswani mohit	acquired	-	-	7,817	-

Which funds bought or sold OPRT recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	SkyView Investment Advisors, LLC	new	-	128,000	128,000	0.02%
May 16, 2024	JANE STREET GROUP, LLC	added	75.49	27,960	336,424	-%
May 15, 2024	PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO	added	30.4	-8,586	36,700	-%
May 15, 2024	CITADEL ADVISORS LLC	reduced	-37.88	-282,714	177,786	-%
May 15, 2024	D. E. Shaw & Co., Inc.	sold off	-100	-135,079	-	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	reduced	-70.21	-374,786	85,147	-%
May 15, 2024	RBF Capital, LLC	reduced	-9.3	-1,006,060	1,299,810	0.07%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	new	-	127,000	127,000	-%
May 15, 2024	Royal Bank of Canada	new	-	1,000	1,000	-%
May 15, 2024	TWO SIGMA INVESTMENTS, LP	reduced	-0.04	-401,533	658,542	-%

Are Funds Buying or Selling OPRT?

Are funds buying OPRT calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own OPRT

No. of Funds

Unveiling Oportun Financial Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
May 14, 2024	findell capital management llc	5.7%	2,021,000	SC 13D/A
Apr 23, 2024	findell capital partners lp	5.9%	2,021,000	SC 13D/A
Apr 17, 2024	long focus capital management, llc	5.0%	1,740,777	SC 13G
Mar 19, 2024	findell capital partners lp	5.9%	2,021,000	SC 13D/A
Mar 11, 2024	findell capital partners lp	5.9%	2,021,000	SC 13D/A
Feb 26, 2024	findell capital partners lp	5.9%	2,020,000	SC 13D/A
Feb 14, 2024	nb alternatives advisers llc	9.90%	3,671,139	SC 13G
Feb 13, 2024	institutional venture partners xiv, l.p.	8.5%	2,921,267	SC 13G/A
Feb 13, 2024	kayne anderson rudnick investment management llc	0.01%	4,713	SC 13G/A
Jan 17, 2024	ellington management group llc	7.26%	0	SC 13G/A

Recent SEC filings of Oportun Financial Corp

View All Filings

Date Filed	Form Type	Document
May 14, 2024	SC 13D/A	13D - Major Acquisition
May 13, 2024	DEF 14A	DEF 14A
May 13, 2024	DEFA14A	DEFA14A
May 10, 2024	10-Q	Quarterly Report
May 09, 2024	8-K	Current Report
May 03, 2024	PRE 14A	PRE 14A
Apr 29, 2024	10-K/A	Annual Report
Apr 25, 2024	3	Insider Trading
Apr 23, 2024	SC 13D/A	13D - Major Acquisition
Apr 22, 2024	8-K	Current Report

Peers (Alternatives to Oportun Financial Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
MA	429.6B	25.7B	0.06%	17.45%	36.27	16.72	12.62%	22.62%
AXP	174.7B	62.0B	11.59%	58.26%	19.42	2.82	11.96%	24.39%
PYPL	67.4B	30.4B	1.93%	5.24%	15.54	2.22	8.39%	60.41%
COF	54.2B	43.4B	3.71%	42.95%	13.96	1.25	26.76%	-52.19%
DFS	31.4B	17.8B	4.61%	24.66%	13.9	1.76	38.72%	-44.91%
ALLY	12.2B	14.3B	10.64%	47.10%	14.22	0.86	22.92%	-37.74%
MID-CAP
CACC	6.0B	2.0B	-6.68%	13.52%	23.99	3.08	6.86%	-40.40%
FCFS	5.3B	3.2B	-9.34%	13.89%	22.91	1.66	13.90%	-14.51%
WU	4.4B	4.4B	2.66%	5.54%	7.21	1.02	0.29%	-19.79%
NNI	4.1B	1.1B	17.27%	16.15%	29.63	3.68	26.09%	-44.07%
SMALL-CAP
ENVA	1.7B	2.2B	5.37%	34.20%	9.77	0.75	22.40%	-16.16%
ATLC	357.4M	1.2B	-5.44%	-21.25%	3.48	0.3	9.96%	-11.98%
CPSS	181.0M	360.7M	1.53%	-18.77%	5.01	0.5	6.56%	-54.11%
AIHS	8.6M	7.3M	11.11%	2.26%	-2.23	1.18	-51.06%	-195.09%
CURO	2.5M	853.2M	-12.50%	-95.07%	-0.01	0	-15.13%	-1364.54%

Oportun Financial Corp News

Latest updates

Oportun Financial Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-4.6%	250	263	268	267	260	262	250	226	215	194	159	138	135	141	137	143	163	165	154	143	138
Operating Expenses	-15.3%	110	129	123	136	146	151	259	158	147	-	-	-	-	-	-	-	-	-	-	-	-
S&GA Expenses	-41.8%	12.00	20.00	12.00	21.00	19.00	14.00	14.00	17.00	13.00	15.00	3.00	10.00	10.00	3.00	11.00	3.00	4.00	5.00	4.00	4.00	3.00
EBITDA Margin	885.8%	0.11*	-0.01*	0.01*	-0.09*	-0.12*	0.06*	0.06*	0.22*	0.28*	0.22*	0.23*	0.18*	-	-	-	-	-	-	-	-	-
Interest Expenses	-1.0%	57.00	57.00	49.00	40.00	37.00	34.00	24.00	13.00	14.00	10.00	11.00	12.00	14.00	13.00	13.00	15.00	16.00	-	-	-	-
Income Taxes	73.9%	-4.04	-15.47	-16.20	-2.57	-39.44	0.00	-6.50	-3.51	12.00	7.00	5.00	3.00	1.00	6.00	-1.79	-12.70	-4.70	8.00	4.00	5.00	5.00
Earnings Before Taxes	46.8%	-30.47	-57.28	-37.37	-17.47	-141	-7.92	-112	-12.67	58.00	21.00	28.00	10.00	4.00	15.00	-7.84	-46.90	-18.02	31.00	14.00	19.00	20.00
EBT Margin	43.3%	-0.14*	-0.24*	-0.19*	-0.27*	-0.28*	-0.08*	-0.05*	0.12*	0.16*	0.10*	0.10*	0.04*	-	-	-	-	-	-	-	-	-
Net Income	36.8%	-26.44	-41.82	-21.14	-14.90	-102	-8.42	-105	-9.16	46.00	14.00	23.00	7.00	3.00	9.00	-6.05	-34.25	-13.30	23.00	10.00	14.00	15.00
Net Income Margin	41.5%	-0.10*	-0.17*	-0.14*	-0.22*	-0.23*	-0.08*	-0.06*	0.09*	0.13*	0.08*	0.07*	0.02*	-	-	-	-	-	-	-	-	-
Free Cashflow	-19.2%	86.00	106	97.00	93.00	67.00	79.00	58.00	43.00	29.00	50.00	49.00	35.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																				(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2018Q4
Assets	-3.9%	3,278	3,412	3,430	3,472	3,502	3,614	3,540	3,350	2,993	2,947	2,348	2,221	1,992	2,009	1,918	1,975	2,117	2,202	2,093	1,740
Cash Equivalents	115.5%	197	91.00	82.00	73.00	74.00	99.00	176	67.00	110	193	168	138	140	169	110	139	145	136	155	129
Goodwill	-	-	-	-	-	-	-	-	104	104	104	-	-	-	-	-	-	-	-	-	-
Liabilities	-3.7%	2,896	3,007	2,989	3,014	3,046	3,066	2,991	2,702	2,343	2,343	1,836	1,737	1,520	1,542	1,465	1,520	1,634	1,713	1,631	1,393
Long Term Debt	-	-	-	-	-	-	-	242	-	-	114	-	-	-	-	-	-	-	-	-	-
Shareholder's Equity	-5.5%	382	404	441	458	456	548	549	648	650	604	512	485	472	467	453	454	484	489	461	347
Retained Earnings	-15.2%	-200	-173	-132	-110	-95.99	6.00	15.00	120	130	84.00	70.00	47.00	39.00	36.00	28.00	34.00	68.00	77.00	54.00	53.00
Additional Paid-In Capital	0.7%	589	585	580	576	558	548	541	534	527	526	448	444	439	436	432	427	422	418	416	44.00
Shares Outstanding	3.2%	36.00	34.00	34.00	34.00	34.00	33.00	33.00	33.00	32.00	32.00	28.00	28.00	-	-	-	-	-	-	-	-
Float	-	-	-	-	138	-	-	-	104	-	-	-	322	-	-	-	186	-	-	218	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-19.2%	85,882	106,311	107,097	102,543	76,814	88,532	67,701	53,077	38,565	59,719	49,890	35,682	18,156	13,462	45,390	41,895	52,122	51,133	68,553	51,510	47,178
Share Based Compensation	-18.5%	3,982	4,884	4,362	4,469	4,878	6,868	7,050	6,929	6,773	4,315	4,088	5,366	5,088	5,171	5,194	4,972	4,151	4,005	11,163	2,035	1,980
Cashflow From Investing	137.7%	36,461	-96,813	-85,347	-64,373	-39,648	-255,671	-277,853	-515,528	-122,496	-568,045	-259,590	-66,138	8,987	-102,990	25,795	132,922	-39,348	-197,717	-146,663	-95,591	-57,709
Cashflow From Financing	-4115.1%	-131,806	-3,127	-24,440	-37,756	-39,062	98,749	348,503	425,749	61,529	477,531	75,486	205,244	-12,552	94,638	-105,665	-182,951	57,179	62,306	193,894	29,971	101
Buy Backs	-	-	-	-	-	-	-	-	28.00	-	-	-	-	-	-	-	62.00	-793	-2,947	492	3.00	143

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OPRT Income Statement

2024-03-31

Condensed Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Revenue
Interest income	$ 230,590	$ 237,619
Non-interest income	19,892	21,893
Total revenue	250,482	259,512
Less:
Interest expense	54,465	38,997
Net decrease in fair value	(116,850)	(215,710)
Net revenue	79,167	4,805
Operating expenses:
Technology and facilities	47,105	56,874
Sales and marketing	16,003	19,182
Personnel	24,516	37,318
Outsourcing and professional fees	10,241	13,802
General, administrative and other	11,777	19,162
Total operating expenses	109,642	146,338
Income (loss) before taxes	(30,475)	(141,533)
Income tax benefit	(4,036)	(39,443)
Net loss	(26,439)	(102,090)
Net income (loss) attributable to common stockholders	(26,439)	(102,090)
Net income (loss) attributable to common stockholders	$ (26,439)	$ (102,090)
Earnings (loss) per share:
Basic (in USD per share)	$ (0.68)	$ (3.00)
Diluted (in USD per share)	$ (0.68)	$ (3.00)
Weighted average common shares outstanding:
Basic (in shares)	38,900,876	33,979,050
Diluted (in shares)	38,900,876	33,979,050

OPRT Balance Sheet

2024-03-31

Condensed Consolidated Balance Sheets (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and cash equivalents	$ 69,200	$ 91,187
Restricted cash	127,353	114,829
Loans receivable at fair value	2,841,525	2,962,352
Capitalized software and other intangibles, net	106,370	114,735
Right of use assets - operating	18,915	21,105
Other assets	114,138	107,680
Total assets	3,277,501	3,411,888
Liabilities
Secured financing	72,106	289,951
Asset-backed notes at fair value	1,701,854	1,780,005
Asset-backed borrowings at amortized cost	787,524	581,468
Acquisition and corporate financing	243,413	258,746
Lease liabilities	25,472	28,376
Other liabilities	65,160	68,938
Total liabilities	2,895,529	3,007,484
Stockholders' equity
Common stock, $0.0001 par value - 1,000,000,000 shares authorized at March 31, 2024 and December 31, 2023; 35,861,277 shares issued and 35,589,254 shares outstanding at March 31, 2024; 34,741,076 shares issued and 34,469,053 shares outstanding at December 31, 2023	7	7
Common stock, additional paid-in capital	588,562	584,555
Retained deficit	(200,288)	(173,849)
Treasury stock at cost, 272,023 shares at March 31, 2024 and December 31, 2023	(6,309)	(6,309)
Total stockholders’ equity	381,972	404,404
Total liabilities and stockholders' equity	$ 3,277,501	$ 3,411,888

About Oportun Financial Corp

Oportun Financial Corporation provides financial services. It offers personal loans and credit cards. The company serves customers through online and over-the-phone, as well as through retail and Lending as a Service partner locations. Oportun Financial Corporation was founded in 2005 and is headquartered in San Carlos, California.

CEO	Mr. Raul Vazquez
WEBSITE	oportun.com
INDUSTRY	Credit Services
EMPLOYEES	3000

Oportun Financial Corp Frequently Asked Questions

What is the ticker symbol for Oportun Financial Corp? What does OPRT stand for in stocks?

OPRT is the stock ticker symbol of Oportun Financial Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Oportun Financial Corp (OPRT)?

As of Fri May 17 2024, market cap of Oportun Financial Corp is 127.75 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of OPRT stock?

You can check OPRT's fair value in chart for subscribers.

What is the fair value of OPRT stock?

You can check OPRT's fair value in chart for subscribers. The fair value of Oportun Financial Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Oportun Financial Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for OPRT so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Oportun Financial Corp a good stock to buy?

The fair value guage provides a quick view whether OPRT is over valued or under valued. Whether Oportun Financial Corp is cheap or expensive depends on the assumptions which impact Oportun Financial Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for OPRT.

What is Oportun Financial Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, OPRT's PE ratio (Price to Earnings) is -1.22 and Price to Sales (PS) ratio is 0.12. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. OPRT PE ratio will change depending on the future growth rate expectations of investors.