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Home CompaniesOportun Financial Corp

Oportun Financial Corp

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
11.31 USD -0.29 ( 2.50%)
Last update at 2026-11-06T21:00:00Z
VOLUME
617341
Market Cap
120.29M

Momentum Score

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Oportun Financial Corporation provides financial services. 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 Carlos, California.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
11.03
Low
11.75
High
52 Week Price Range
2.05
Low
7.73
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
11.60
Dividend Yield
-
Revenue TTM
877.51M
Revenue Per Share
23.80
Gross Profit TTM
791.87M
Debt / Equity
7.27
ROE
-37.81%
Net Debt
2847.36M
ROCE
0.53%
Diluted EPS TTM
-2.58

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -75.30M 62.80M -58.10M 84.40M 170.09M
Minority interest - - - - 0.00M
Net income -77.80M 47.40M -45.10M 61.60M 123.39M
Selling general administrative 213.70M 153.30M 126.90M 106.00M 74.12M
Selling and marketing expenses 110.00M 116.90M 89.40M 97.20M 77.62M
Gross profit 640.70M 530.40M 335.10M 442.40M 473.56M
Reconciled depreciation 47.53M 27.11M 20.22M 14.10M 11.82M
Ebit 17.76M 62.80M -58.10M 84.40M 217.01M
Ebitda 65.29M 89.91M -37.88M 98.50M 228.84M
Depreciation and amortization 47.53M 27.11M 20.22M 14.10M 11.82M
Non operating income net other - - - - 0.00M
Operating income 17.76M 62.80M -58.10M 84.40M 217.01M
Other operating expenses 715.94M -467.60M -393.20M -358.00M 256.55M
Interest expense 93.00M 47.70M 58.40M 60.50M 46.92M
Tax provision 2.46M 15.40M -13.01M 22.83M 46.70M
Interest income 876.11M 575.80M 545.47M 544.13M 448.78M
Net interest income 783.07M 528.10M 487.10M 483.58M 401.86M
Extraordinary items - - - - 0.00M
Non recurring - - - - 0.00M
Other items - - - - 0.00M
Income tax expense 2.50M 15.40M -13.00M 22.80M 46.70M
Total revenue 640.70M 530.40M 335.10M 442.40M 473.56M
Total operating expenses 715.94M -467.60M -393.20M -358.00M -256.55M
Cost of revenue 154.90M 115.80M - 80.78M -10.87M
Total other income expense net -93.06M -47.70M -58.40M -60.50M -46.92M
Discontinued operations - - - - 0.00M
Net income from continuing ops -77.74M 47.40M -45.08M 61.60M 123.39M
Net income applicable to common shares -77.74M 47.40M -45.08M 4.26M 16.60M
Preferred stock and other adjustments - - - - 0.00M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 3411.89M 3613.70M 2946.60M 2009.10M 2201.90M
Intangible assets 114.73M 139.80M 131.20M 27.42M 18.34M
Other current assets 230.56M 129.22M 20.90M -33.73M -36.91M
Total liab 3010.85M 3066.10M 2342.80M 1542.80M 1713.10M
Total stockholder equity 404.40M 547.60M 603.80M 466.30M 488.80M
Deferred long term liab - - - - 18.34M
Other current liab 55.70M -339.17M -405.52M -251.65M -70.66M
Common stock 0.01M 0.01M 0.01M 0.01M 0.01M
Capital stock 0.01M 0.01M 0.01M 0.01M 0.01M
Retained earnings -173.85M 6.10M 83.80M 36.40M 76.70M
Other liab - 33.65M 135.30M 79.30M 58.22M
Good will - 108.47M 104.00M - -
Other assets - 3280.04M 2521.10M 1783.28M 2043.66M
Cash 91.19M 98.80M 131.00M 136.20M 72.20M
Total current liabilities 73.78M -3.46M 405.52M 251.65M 70.66M
Net debt 2847.36M 2867.30M 2076.40M 1327.20M 1530.40M
Short term debt 12.79M 317.60M 393.90M 246.40M 60.90M
Short long term debt 289.95M 317.57M 393.90M 246.38M 60.91M
Short long term debt total 2938.55M 2966.10M 2207.40M 1463.40M 1602.60M
Other stockholder equity 578.25M 541.49M 519.99M 430.19M 412.23M
Property plant equipment - 40.97M 38.40M 46.80M 73.34M
Total current assets 230.56M 221.03M 151.90M 151.60M 89.40M
Long term investments - - - 1.16M -
Net tangible assets - 547.60M 368.70M 466.37M 470.43M
Short term investments - 0.02M -0.04M - -
Net receivables 8.78M 31.80M 20.90M 15.40M 17.20M
Long term debt 2620.22M 317.57M 1765.80M 253.17M 1488.31M
Inventory -99.97M - - - -
Accounts payable 5.29M 18.11M 11.62M 5.25M 9.76M
Accumulated other comprehensive income 0.00M - - -0.30M -0.20M
Common stock total equity - 0.01M 0.01M 0.01M 0.01M
Retained earnings total equity - 6.10M 83.85M 36.43M -
Treasury stock - - - - -6.12M
Non currrent assets other 2981.07M -57.57M -273.60M -74.22M -68.84M
Non current assets total 3181.33M 112.63M 273.60M 74.22M 68.84M
Capital lease obligations 28.38M 37.95M 47.70M 49.68M 53.36M
Long term debt total - 317.57M 393.89M 253.17M 1190.11M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -1116.66M -884.80M 42.98M -497.68M -471.43M
Change to liabilities 0.00M 21.73M 6.25M 0.00M 0.00M
Total cashflows from investing activities -1171.55M -884.80M 16.38M -497.68M -471.43M
Net borrowings 943.20M 748.90M -135.26M 224.95M 369.29M
Total cash from financing activities 934.50M 745.70M -136.80M 286.30M 368.07M
Change to operating activities -80.74M -10.40M -34.30M 22.21M -22.99M
Net income -77.70M 47.40M -45.10M 61.60M 123.39M
Change in cash 10.80M 24.40M 32.50M 6.90M 35.02M
Begin period cash flow 193.00M 168.60M 136.10M 129.20M 94.16M
End period cash flow 203.80M 193.00M 168.60M 136.10M 129.18M
Total cash from operating activities 247.90M 163.40M 152.90M 218.40M 138.37M
Issuance of capital stock - - 0.00M 60.48M -
Depreciation 47.53M 27.11M 20.22M 14.10M 11.82M
Other cashflows from investing activities -48.89M -12.20M -21.77M -471.46M -453.48M
Dividends paid - - - - 0.00M
Change to inventory - - - - 0.00M
Change to account receivables - - -0.90M -7.13M -6.89M
Sale purchase of stock - - -2.00M 60.48M 0.00M
Other cashflows from financing activities 3152.22M 2694.72M 509.20M 394.00M 1342.95M
Change to netincome 166.83M 102.70M 22.58M 127.59M 33.04M
Capital expenditures 48.90M 26.50M 26.60M 26.20M 17.94M
Change receivables - -8.23M -4.01M - 0.00M
Cash flows other operating 138.10M 24.72M 153.81M - 0.00M
Exchange rate changes - - - - 0.00M
Cash and cash equivalents changes 10.86M 24.37M 32.45M - 0.00M
Change in working capital -80.70M -10.40M -34.30M 15.10M -29.88M
Stock based compensation 27.62M 18.86M 19.49M 19.18M 6.77M
Other non cash items 314.70M 63.98M 207.06M 98.00M -15.76M
Free cash flow 199.00M 136.90M 126.30M 192.20M 120.43M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
OPRT
Oportun Financial Corp		 -0.29
2.50%		 11.31 - - 0.09 0.19
V
Visa Inc. Class A		 0.06
0.01%		 422.65 31.25 25.97 16.18 13.64
MA
Mastercard Inc		 -3.22
0.49%		 652.70 31.59 24.88 14.31 89.68
AXP
American Express Company		 -3.94
1.21%		 321.03 21.46 18.83 3.38 6.76
COF
Capital One Financial Corporation		 -1.97
0.97%		 201.87 11.39 8.75 2.64 1.11

Profile*

Oportun Financial Corp

Oportun Financial Corporation provides financial services. 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 Carlos, California.

2 Circle Star Way, San Carlos, CA, United States, 94070

650 810 8823

https://www.oportun.com

2340

Name Title Year Born
Mr. Raul Vazquez Pres, CEO & Director 1972
Mr. Jonathan Aaron Coblentz CFO & Chief Admin. Officer 1971
Mr. Patrick Kirscht Chief Credit Officer 1968
Mr. Matthew Wayne Jenkins COO & GM of Personal & Auto Loans 1969
Mr. Casey Mueller CPA Principal Accounting Officer, VP of Fin. & Global Controller 1982
Mr. Nils L. Erdmann VP of Investor Relations NA
Ms. Joan Aristei Gen. Counsel & Chief Risk Officer 1960
Ms. Seher Banwari VP of Compliance & Enterprise Risk NA
Ms. Sarah Livnat VP of Communications & Impact NA
Mr. Usher Lieberman VP of Corp. Communications NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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