Oportun Financial Corporation (OPRT) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

-931.6%

-$82.49

vs $9.92 price

Levered DCF

$121.45

After debt service

Piotroski score

8 / 9

Strong

Altman Z-score

0.34

Distress zone

Rating

B-

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	9.98×	-1.99×	-0.8×	-2.32×	12.05×	-11.74×	51.74×	2.89×
P/B	0.65×	0.44×	0.36×	0.33×	0.95×	1.13×	0.46×	1.03×
P/S	0.4×	0.29×	0.31×	0.25×	0.99×	1.35×	0.44×	0.68×
EV / EBITDA	34.61×	-45.6×	-16.51×	-121.27×	33.83×	-55.53×	18.41×	8.77×
Gross margin	63.7%	55.3%	61.0%	87.3%	91.8%	85.2%	88.9%	87.9%
Operating margin	6.9%	-21.6%	-55.1%	-10.3%	10.9%	-14.8%	16.8%	32.7%
Net margin	4.0%	-14.8%	-39.1%	-10.6%	8.2%	-11.5%	12.2%	23.7%
Current ratio	9.17×	2.66×	0.35×	0.37×	0.43×	0.65×	1.41×	1.19×
Debt / equity	7.21×	7.98×	7.98×	6×	4.31×	3.66×	3.4×	3.78×
Interest coverage	0.19×	-0.48×	-1.41×	-0.81×	1.32×	-0.99×	1.4×	3.63×
Dividend yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	6.5%	-22.2%	-44.5%	-14.2%	7.9%	-9.7%	12.6%	35.6%
Return on invested capital	13.9%	-2.5%	-5.3%	-2.1%	1.6%	-2.3%	2.8%	263.8%
Return on assets	0.8%	-2.4%	-5.3%	-2.2%	1.6%	-2.2%	2.8%	7.1%
Free cash flow yield	153.7%	239.1%	250.7%	110.0%	24.0%	24.8%	86.4%	33.8%
Earnings yield	10.0%	-50.2%	-124.8%	-43.0%	8.3%	-8.5%	27.7%	34.7%
Enterprise value	$3B	$2.9B	$3.3B	$3.4B	$3B	$2.1B	$1.8B	$1.6B
Net debt / EBITDA	31.65×	-43.15×	-15.78×	-114.76×	27.48×	-41.55×	16.15×	6.82×
Cash conversion cycle (days)	-27	-21	-21	-66	-67	-12	-39	-1,115