Oportun Financial Corp · Finance Services

OPRT

Moderate riskNext report: In 7 days (est.)

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The short version

A profitable company with steady sales. Institutions are adding.

Going well

Profitable
Brings in more cash than it spends

Watch out for

Share count growing 13.4% a year (dilution)

Money moves

No insider buying or selling in the last 30 days
Institutions added 8% to their holdings in the quarter ending June 2026 (84 bought, 44 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$9.37+2.2% that day

Company value: $431M; Share price times all shares
Price vs profit (P/E): 23.4x; You pay about $23 for each $1 of yearly profit
Price vs sales: 0.45x; Company value is 0.45 times a year of sales
Cash vs value: 32%; A big cushion: cash is a large part of what the company is worth
Debt vs value: 62%; Debt as a share of company value

From OPRT's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$233.2M-0.5% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $948.4M, down 2.3% from the 12 months before. Over 5 years, sales grew about 10% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of OPRT. Starting points are the company's recent numbers.

Sales growth-2% a yearRecently: -2.3% a yearProfit margin2%Last 12 months: 2.0%P/E at the end23xToday: 23.4x. Many steady companies trade at 12x to 25xShare count change+10% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$857M

Profit in 5 years$17M

Price these guesses point to$5.32-43% vs $9.37 todayAbout -11% a year, before dividends

What today's price needs: with a 2% margin and a 23x P/E, sales would have to grow about 9.7% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

1/6Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.6.8%
MissDebt under half of equityNot relying on borrowed money.0.69x equity
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.2.6%
MissProfitable every yearSteady profits, not one good year.4 of 9 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$413.4M
MissShare count not growingNot diluting owners. Falling means buybacks.+45.8% in 3 years

Revenue: $956.7M; -4.5% vs prior year
5-year growth: +10.4%/yr; revenue, per year
Total debt: $268.3M; 0.69x equity
Free cash flow: $413.4M; 43.2% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.