Oportun Financial Statements From 2010 to 2024

OPRT Stock  USD 2.21  0.08  3.49%   
Oportun Financial financial statements provide useful quarterly and yearly information to potential Oportun Financial Corp investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Oportun Financial financial statements helps investors assess Oportun Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Oportun Financial's valuation are summarized below:
Gross Profit
791.9 M
Profit Margin
(0.21)
Market Capitalization
79.1 M
Revenue
877.5 M
Earnings Share
(4.88)
There are currently one hundred twenty trending fundamental ratios for Oportun Financial Corp that can be evaluated and compared over time across competitors. All traders should check out Oportun Financial's recent fundamentals against the performance from 2010 to 2024 and make sure the trends continue to evolve in the right direction. Market Cap is likely to drop to about 137 M in 2024. Enterprise Value is likely to drop to about 1.7 B in 2024

Oportun Financial Total Revenue

1.11 Billion

Check Oportun Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Oportun main balance sheet or income statement drivers, such as Discontinued Operations of 0.0, Interest Expense of 188.4 M or Selling General Administrative of 133.9 M, as well as many exotic indicators such as Price To Sales Ratio of 0.13, Dividend Yield of 0.0 or PTB Ratio of 0.34. Oportun financial statements analysis is a perfect complement when working with Oportun Financial Valuation or Volatility modules.
  
This module can also supplement Oportun Financial's financial leverage analysis and stock options assessment as well as various Oportun Financial Technical models . Check out the analysis of Oportun Financial Correlation against competitors.

Oportun Financial Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets2.5 B3.4 B1.8 B
Slightly volatile
Other Liabilities63.2 M38.7 M44 M
Slightly volatile
Accounts Payable9.6 M5.3 M5.7 M
Slightly volatile
Cash94 M91.2 M66.1 M
Slightly volatile
Other Assets1.9 B3.8 B1.2 B
Slightly volatile
Long Term Debt2.8 B2.6 B1.1 B
Slightly volatile
Net Receivables8.3 M8.8 M392.7 M
Slightly volatile
Common Stock Shares Outstanding28.2 M36.9 M24.8 M
Slightly volatile
Other Current Assets176.1 M230.6 M110.3 M
Slightly volatile
Total LiabilitiesBB1.4 B
Slightly volatile
Deferred Long Term Liabilities22.1 M21.1 M10.4 M
Slightly volatile
Total Current Assets191 M230.6 M494.8 M
Slightly volatile
Common Stock5.6 K8.1 K4.4 K
Slightly volatile
Property Plant Equipment40.2 M47.1 M29.2 M
Slightly volatile
Short and Long Term Debt Total2.1 B2.9 B1.5 B
Slightly volatile
Property Plant And Equipment Net36.9 M28.1 M26.1 M
Slightly volatile
Net DebtB2.8 B1.4 B
Slightly volatile
Net Invested Capital2.5 B3.3 B1.6 B
Slightly volatile
Capital StockK6.3 K154.7 M
Slightly volatile

Oportun Financial Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Selling General Administrative133.9 M194.2 M120.3 M
Slightly volatile
Total Revenue1.1 B1.1 B422.2 M
Slightly volatile
Gross Profit1.1 B1.1 B403.5 M
Slightly volatile
Net Interest Income550.4 M802.4 M393.7 M
Slightly volatile
Interest Income623.9 M965.4 M445.8 M
Slightly volatile
Depreciation And Amortization57.6 M54.9 M20.2 M
Slightly volatile
Selling And Marketing Expenses91.3 M75.3 M66.3 M
Slightly volatile
Reconciled Depreciation29.1 M54 M19.2 M
Slightly volatile

Oportun Financial Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Change In Cash2.1 M2.2 M19 M
Slightly volatile
Depreciation57.6 M54.9 M18.1 M
Slightly volatile
Capital Expenditures25.9 M31.3 M18.6 M
Slightly volatile
Total Cash From Operating Activities199.7 M384.3 M147.5 M
Slightly volatile
End Period Cash Flow151.6 M206 M106.7 M
Slightly volatile
Change To Netincome201.4 M191.9 M87.4 M
Slightly volatile
Stock Based Compensation16.6 M18.6 M11 M
Slightly volatile
Free Cash Flow186.3 M353 M142.6 M
Slightly volatile
Begin Period Cash Flow142.2 M203.8 M95.1 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.130.13641.0373
Slightly volatile
PTB Ratio0.340.35651.182
Slightly volatile
Days Sales Outstanding2.883.032516.6176
Slightly volatile
Book Value Per Share10.4210.966614.8892
Slightly volatile
Free Cash Flow Yield2.572.44840.6747
Slightly volatile
Invested Capital7.597.22784.5709
Slightly volatile
Operating Cash Flow Per Share7.0510.42097.2436
Slightly volatile
Stock Based Compensation To Revenue0.02480.01760.0254
Slightly volatile
PB Ratio0.340.35651.182
Slightly volatile
EV To Sales3.342.83043.9598
Pretty Stable
Free Cash Flow Per Share6.149.57316.3206
Slightly volatile
Payables Turnover0.00290.00320.0035
Slightly volatile
Sales General And Administrative To Revenue0.20.18380.2231
Slightly volatile
Research And Ddevelopement To Revenue0.02570.0480.0201
Slightly volatile
Cash Per Share4.432.47283.2025
Slightly volatile
POCF Ratio0.360.37522.4277
Slightly volatile
PFCF Ratio0.390.40842.7959
Slightly volatile
Days Payables Outstanding81.3 K91.4 K99.6 K
Slightly volatile
EV To Operating Cash Flow8.797.78489.8782
Slightly volatile
EV To Free Cash Flow10.288.474211.2422
Slightly volatile
Intangibles To Total Assets0.02080.03360.0157
Slightly volatile
Tangible Book Value Per Share7.387.764113.0612
Pretty Stable
Receivables Turnover12612034.018
Slightly volatile
Graham Number41.034.700324.8561
Slightly volatile
Shareholders Equity Per Share10.4210.966614.8892
Slightly volatile
Debt To Equity7.597.22784.5709
Slightly volatile
Revenue Per Share17.4228.661517.298
Slightly volatile
Interest Debt Per Share68.1884.129964.8913
Slightly volatile
Debt To Assets0.620.85670.7604
Pretty Stable
Short Term Coverage Ratios31.5630.05475.0567
Slightly volatile
Price Book Value Ratio0.340.35651.182
Slightly volatile
Days Of Payables Outstanding81.3 K91.4 K99.6 K
Slightly volatile
Price To Operating Cash Flows Ratio0.360.37522.4277
Slightly volatile
Price To Free Cash Flows Ratio0.390.40842.7959
Slightly volatile
Company Equity Multiplier4.58.43685.54
Very volatile
Long Term Debt To Capitalization0.630.8780.7739
Pretty Stable
Total Debt To Capitalization0.640.87850.7971
Slightly volatile
Debt Equity Ratio7.597.22784.5709
Slightly volatile
Operating Cash Flow Sales Ratio0.440.36360.425
Slightly volatile
Days Of Sales Outstanding2.883.032516.6176
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.960.91870.8758
Very volatile
Cash Flow Coverage Ratios0.120.13150.1298
Slightly volatile
Price To Book Ratio0.340.35651.182
Slightly volatile
Fixed Asset Turnover39.537.618119.9756
Slightly volatile
Price Cash Flow Ratio0.360.37522.4277
Slightly volatile
Debt Ratio0.620.85670.7604
Pretty Stable
Cash Flow To Debt Ratio0.120.13150.1298
Slightly volatile
Price Sales Ratio0.130.13641.0373
Slightly volatile
Asset Turnover0.240.30980.2456
Slightly volatile
Gross Profit Margin0.80.90.98
Slightly volatile
Price Fair Value0.340.35651.182
Slightly volatile

Oportun Financial Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market Cap137 M144.2 M332.3 M
Slightly volatile
Enterprise Value1.7 BB1.7 B
Slightly volatile

Oportun Fundamental Market Drivers

Cash And Short Term Investments91.2 M

Oportun Upcoming Events

11th of March 2024
Upcoming Quarterly Report
View
13th of May 2024
Next Financial Report
View
31st of December 2023
Next Fiscal Quarter End
View
11th of March 2024
Next Fiscal Year End
View
30th of September 2023
Last Quarter Report
View
31st of December 2022
Last Financial Announcement
View

About Oportun Financial Financial Statements

There are typically three primary documents that fall into the category of financial statements. These documents include Oportun Financial income statement, its balance sheet, and the statement of cash flows. Oportun Financial investors use historical funamental indicators, such as Oportun Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Oportun Financial investors may use each financial statement separately, they are all related. The changes in Oportun Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Oportun Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. We offer a historical overview of the basic patterns found on Oportun Financial Financial Statements. Understanding these patterns can help to make the right decision on long term investment in Oportun Financial. Please read more on our technical analysis and fundamental analysis pages.
Last ReportedProjected for Next Year
Total Revenue1.1 B1.1 B
Cost Of Revenue19 K18.1 K
Stock Based Compensation To Revenue 0.02  0.02 
Sales General And Administrative To Revenue 0.18  0.20 
Research And Ddevelopement To Revenue 0.05  0.03 
Capex To Revenue(0.03)(0.03)
Revenue Per Share 28.66  17.42 
Ebit Per Revenue(0.24)(0.23)
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Oportun Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Oportun Financial's short interest history, or implied volatility extrapolated from Oportun Financial options trading.

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When determining whether Oportun Financial Corp is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if Oportun Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Oportun Financial Corp Stock. Highlighted below are key reports to facilitate an investment decision about Oportun Financial Corp Stock:
Check out the analysis of Oportun Financial Correlation against competitors.
You can also try the Equity Valuation module to check real value of public entities based on technical and fundamental data.

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When running Oportun Financial's price analysis, check to measure Oportun Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Oportun Financial is operating at the current time. Most of Oportun Financial's value examination focuses on studying past and present price action to predict the probability of Oportun Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Oportun Financial's price. Additionally, you may evaluate how the addition of Oportun Financial to your portfolios can decrease your overall portfolio volatility.
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Is Oportun Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Oportun Financial. If investors know Oportun will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Oportun Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
12.7
Earnings Share
(4.88)
Revenue Per Share
23.796
Quarterly Revenue Growth
(0.07)
Return On Assets
(0.05)
The market value of Oportun Financial Corp is measured differently than its book value, which is the value of Oportun that is recorded on the company's balance sheet. Investors also form their own opinion of Oportun Financial's value that differs from its market value or its book value, called intrinsic value, which is Oportun Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Oportun Financial's market value can be influenced by many factors that don't directly affect Oportun Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Oportun Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Oportun Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Oportun Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.