Oportun Financial Corporation (OPRT) Key Metrics
OPRT valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $417.6M
- Enterprise value
- $2.94B
- P/E (TTM)
- 22.7 10-yr median 10.0
- Forward P/E
- 5.5
- PEG ratio
- —
- Price / sales
- 0.6 10-yr median 0.4
- Price / book
- 1.0 10-yr median 0.5
- EV / EBITDA
- — 10-yr median 34.3
- Dividend yield
- —
- Beta
- 1.26
OPRT key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsOPRT valuation Price multiples at each fiscal year-end price.
OPRT returns How much profit the business earns on the capital it uses.
OPRT per-share figures Results divided by the shares outstanding at year-end.
OPRT financial health Debt, liquidity and how easily interest is covered.
OPRT efficiency & capital use Working capital cycle and where the cash goes.
OPRT valuation history
OPRT returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
OPRT debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
OPRT cash returned to shareholders
OPRT price vs earnings per share
OPRT key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $253.2M | $156.6M | $144.2M | $180.9M | $614.0M | $529.4M | $256.1M | — | — | — |
| Enterprise value | $2.96B | $2.92B | $3.28B | $3.37B | $3.08B | $2.10B | $1.85B | — | — | — |
| P/E ratio | 10.0 | — | — | — | 13.0 | — | 4.2 | — | — | — |
| Price / sales | 0.4 | 0.3 | 0.3 | 0.2 | 1.1 | 1.3 | 0.5 | — | — | — |
| Price / book | 0.6 | 0.4 | 0.4 | 0.3 | 1.0 | 1.1 | 0.5 | — | — | — |
| Price / free cash flow | 0.7 | 0.4 | 0.4 | 0.9 | 4.5 | 4.0 | 1.3 | — | — | — |
| Price / operating cash flow | 0.6 | 0.4 | 0.4 | 0.7 | 3.8 | 3.5 | 1.2 | — | — | — |
| EV / sales | 4.6 | 5.5 | 7.1 | 4.6 | 5.3 | 5.3 | 3.7 | — | — | — |
| EV / EBITDA | 34.6 | — | — | — | 34.3 | — | 18.7 | — | — | — |
| EV / free cash flow | 7.6 | 7.8 | 9.1 | 16.9 | 22.5 | 16.0 | 9.6 | — | — | — |
| Earnings yield | 10.0% | −50.2% | −124.8% | −43.0% | 7.7% | −8.5% | 24.0% | — | — | — |
| Free cash flow yield | 153.7% | 239.1% | 250.7% | 110.0% | 22.3% | 24.8% | 75.0% | — | — | — |
| Shareholder yield (dividends + buybacks) | — | — | 1.9% | — | — | 0.4% | 0.0% | — | — | — |
| Share price at fiscal year-end | $5.29 | $3.88 | $3.91 | $5.51 | $20.25 | $19.37 | $23.80 | — | — | — |
| Per share | ||||||||||
| Revenue per share | $13.32 | $13.22 | $12.48 | $22.35 | $19.07 | $14.39 | $46.73 | $23.59 | $16.36 | $12.01 |
| Earnings per share | $0.53 | −$1.95 | −$4.88 | −$2.37 | $1.56 | −$1.65 | $5.72 | $5.59 | −$0.46 | $2.20 |
| Operating cash flow per share | $8.64 | $9.75 | $10.65 | $7.55 | $5.39 | $5.59 | $20.29 | $6.27 | $6.31 | $4.93 |
| Free cash flow per share | $8.13 | $9.28 | $9.80 | $6.06 | $4.52 | $4.80 | $17.85 | $5.46 | $5.76 | $4.31 |
| Cash per share | $2.20 | $1.49 | $2.47 | $3.01 | $4.32 | $4.98 | $6.71 | $3.19 | $2.19 | $1.54 |
| Book value per share | $8.15 | $8.77 | $10.97 | $16.68 | $19.91 | $17.07 | $45.42 | $15.71 | $9.82 | $9.67 |
| Tangible book value per share | $6.65 | $6.62 | $7.86 | $9.12 | $12.16 | $16.07 | $43.71 | $15.46 | $9.57 | $9.67 |
| Dividends per share | — | — | — | — | — | — | — | $0.00 | $0.00 | $0.00 |
| Capex per share | $0.51 | $0.48 | $0.85 | $1.49 | $0.87 | $0.80 | $2.44 | $0.81 | $0.54 | $0.61 |
| Debt per share | $58.73 | $69.94 | $87.55 | $100.03 | $85.78 | $62.55 | $154.57 | $59.39 | $42.33 | $30.64 |
| Shares outstanding | 47.9M | 40.4M | 36.9M | 32.8M | 30.3M | 27.3M | 10.8M | 22.1M | 22.1M | 23.1M |
| Change in shares outstanding | +18.6% | +9.4% | +12.3% | +8.3% | +10.9% | +154.0% | −51.2% | 0.0% | −4.5% | −14.1% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 6.8% | −20.8% | −37.8% | −13.5% | 8.9% | −9.4% | 14.7% | 43.8% | −4.6% | 22.7% |
| Return on invested capital (ROIC) | 0.8% | −2.7% | −5.5% | −1.7% | 1.9% | −2.2% | 3.4% | 9.2% | 0.1% | 1.8% |
| Return on assets (ROA) | 0.8% | −2.4% | −5.1% | −2.4% | 1.9% | −2.1% | 3.1% | 8.4% | −0.9% | 5.3% |
| Return on tangible assets | 0.8% | −2.5% | −5.5% | −2.3% | 1.7% | −2.3% | 2.8% | 7.1% | −0.8% | 5.3% |
| Free cash flow margin | 61.0% | 70.2% | 78.6% | 27.1% | 23.7% | 33.3% | 38.2% | 23.1% | 35.2% | 35.9% |
| Income quality (OCF / net income) | 16.37 | — | — | — | 3.45 | — | 3.55 | 1.12 | — | 2.24 |
| Financial health | ||||||||||
| Total debt | $2.81B | $2.82B | $3.23B | $3.28B | $2.60B | $1.71B | $1.66B | $1.31B | $934.0M | $708.2M |
| Cash & short-term investments | $105.5M | $60.0M | $91.2M | $98.8M | $131.0M | $136.2M | $72.2M | $70.5M | $48.3M | $35.6M |
| Net debt | $2.71B | $2.76B | $3.14B | $3.18B | $2.47B | $1.57B | $1.59B | $1.24B | $885.6M | $672.7M |
| Debt / equity | 7.21 | 7.98 | 7.98 | 6.00 | 4.31 | 3.66 | 3.40 | 3.78 | 4.31 | 3.17 |
| Debt / assets | 0.86 | 0.87 | 0.95 | 0.91 | 0.88 | 0.85 | 0.76 | 0.75 | 0.77 | 0.74 |
| Net debt / EBITDA | 31.65 | — | — | — | 27.48 | — | 16.15 | 6.82 | 69.97 | 27.53 |
| Current ratio | 9.17 | 2.66 | 0.35 | 0.37 | 0.43 | 0.65 | 1.41 | 1.19 | 0.40 | 7.22 |
| Quick ratio | 9.17 | 2.66 | 0.66 | 0.86 | 0.94 | 1.40 | 3.63 | 3.09 | 1.12 | 7.22 |
| Interest coverage | 0.2 | -0.5 | -1.4 | -0.8 | 1.3 | -1.0 | 1.4 | 3.6 | 0.1 | 0.6 |
| Working capital | $94.0M | $49.9M | −$212.7M | −$227.8M | −$251.4M | −$93.2M | $34.6M | $18.1M | −$97.9M | $64.6M |
| Invested capital | $3.10B | $3.12B | $3.54B | $3.73B | $3.07B | $2.04B | $2.08B | $1.59B | $1.10B | $896.2M |
| Tangible asset value | $318.4M | $267.2M | $289.7M | $299.3M | $368.7M | $439.1M | $470.4M | $341.1M | $211.1M | $223.6M |
| Net current asset value | −$2.76B | −$2.79B | −$2.89B | −$2.93B | −$2.15B | −$1.37B | −$1.59B | −$1.28B | −$933.7M | −$659.6M |
| Graham number | $9.84 | — | — | — | $26.47 | — | $76.48 | $44.46 | — | $21.88 |
| Graham net-net per share | −$57.72 | −$69.56 | −$80.26 | −$92.85 | −$75.82 | −$54.50 | −$158.72 | −$62.61 | −$45.17 | −$3.69 |
| Capital allocation | ||||||||||
| Dividends paid | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Share buybacks (net) | — | — | $2.7M | — | — | $2.0M | $0 | $0 | $0 | $1.0M |
| Dividend payout ratio | — | — | — | — | — | — | — | 0.0% | — | 0.0% |
| Dividends + buybacks / free cash flow | — | — | 0.7% | — | — | 1.5% | 0.0% | 0.0% | 0.0% | 1.0% |
| Capex / revenue | 3.8% | 3.6% | 6.8% | 6.7% | 4.6% | 5.5% | 5.2% | 3.4% | 3.3% | 5.1% |
| Capex / operating cash flow | 5.9% | 4.9% | 8.0% | 19.7% | 16.2% | 14.2% | 12.0% | 13.0% | 8.6% | 12.5% |
| Capex / depreciation | 0.59 | 0.38 | 0.57 | 1.03 | 0.98 | 1.08 | 1.86 | 1.52 | 1.14 | 1.69 |
| Stock-based compensation / revenue | 1.7% | 2.4% | 4.0% | 3.8% | 3.3% | 5.0% | 3.8% | 1.3% | 1.6% | 1.6% |
| R&D / revenue | — | — | 9.2% | 4.7% | 2.9% | 2.7% | 1.0% | 0.7% | 0.9% | 1.0% |
| SG&A / revenue | 29.0% | 38.9% | 58.6% | 44.1% | 46.7% | 55.0% | 40.4% | 29.2% | 33.8% | 31.9% |
| Efficiency | ||||||||||
| Days sales outstanding | — | 5.9 | 7.9 | 11.3 | 18.0 | 26.3 | 28.1 | 21.0 | 421.9 | 1,076.1 |
| Days of inventory on hand | — | — | -282.4 | -791.4 | -1,635.3 | -1,208.6 | -1,195.4 | -866.9 | -159.3 | — |
| Days payables outstanding | 27.6 | 24.0 | 32.4 | 58.3 | 64.6 | 46.9 | 66.4 | 54.5 | 12.3 | 3.3 |
| Cash conversion cycle (days) | — | -18.1 | -306.8 | -838.5 | -1,681.9 | -1,229.2 | -1,233.8 | -900.4 | 250.3 | 1,072.8 |
| Receivables turnover | — | 62.12 | 46.23 | 32.34 | 20.24 | 13.87 | 12.99 | 17.41 | 0.87 | 0.34 |
| Payables turnover | 13.21 | 15.21 | 11.28 | 6.26 | 5.65 | 7.78 | 5.49 | 6.70 | 29.65 | 109.54 |
| Asset turnover | 0.20 | 0.16 | 0.13 | 0.22 | 0.23 | 0.19 | 0.26 | 0.35 | 0.33 | 0.29 |
| Average receivables | — | $8.6M | $10.0M | $22.7M | $28.6M | $28.4M | $38.7M | $29.9M | $417.2M | $818.2M |
| Average payables | $17.5M | $15.7M | $15.9M | $14.9M | $8.4M | $7.5M | $10.2M | $9.4M | $4.5M | $905,000 |
| Average inventory | — | — | −$138.8M | −$201.7M | −$213.6M | −$193.3M | −$183.6M | −$149.8M | −$58.8M | $0 |
| Intangibles / total assets | 2.2% | 2.7% | 3.4% | 6.9% | 8.0% | 1.4% | 0.8% | 0.3% | 0.5% | 0.0% |
Computed from OPRT's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
OPRT valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Oportun Financial traded at 10.0 times earnings, against a 10-year median of 10.0. Based on the latest twelve months, the trailing P/E is 22.7 and the forward P/E is 5.5. Oportun Financial earned a return on equity of 6.8% and a return on invested capital of 0.8% in fiscal 2025. It ended the year with $2.8 billion of debt and $105.5 million in cash and short-term investments, net debt of $2.7 billion. The share count rose 107.1% from 23.1M to 47.9M over 9 years.
See the OPRT income statement, the OPRT chart for price history, or the OPRT stock overview for the latest quote and news.
OPRT key metrics FAQ
What is Oportun Financial's P/E ratio?
Oportun Financial's trailing P/E ratio is 22.7 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 5.5. At the end of fiscal 2025 it was 10.0, compared with a 10-year median of 10.0.
What is Oportun Financial's EV/EBITDA?
Oportun Financial's enterprise value was 34.6 times EBITDA at the end of fiscal 2025 (enterprise value $3.0 billion, EBITDA $85.5 million).
What is Oportun Financial's return on equity?
Oportun Financial's return on equity (ROE) was 6.8% in fiscal 2025: net income of $25.2 million on average shareholders' equity of $372.0 million.
What is Oportun Financial's ROIC?
Oportun Financial's return on invested capital was 0.8% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Oportun Financial have?
Oportun Financial had total debt of $2.8 billion at the end of fiscal 2025, a debt-to-equity ratio of 7.21 and $2.7 billion of net debt (31.65 times EBITDA).
What is Oportun Financial's free cash flow yield?
Oportun Financial generated $389.1 million of free cash flow in fiscal 2025, a free cash flow yield of 153.7% on its market value at year-end ($253.2 million).
What is Oportun Financial's current ratio?
Oportun Financial's current ratio was 9.17 at the end of fiscal 2025: current assets were 9.17 times current liabilities.