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Oportun Financial Corp (OPRT)
NASDAQ:OPRT
US Market
OPRT
Oportun Financial
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Oportun Financial (OPRT) Ratios

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Oportun Financial Ratios

OPRT's free cash flow for Q2 2026 was $0.82. For the 2026 fiscal year, OPRT's free cash flow was decreased by $ and operating cash flow was $0.07. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 17.70 9.17 2.66 0.35 0.37
Quick Ratio
 17.70 9.17 2.66 0.35 0.37
Cash Ratio
 11.63 9.17 2.00 0.28 0.27
Solvency Ratio
 0.02 0.02 >-0.01 -0.04 >-0.01
Operating Cash Flow Ratio
 35.07 35.95 13.09 1.20 0.68
Short-Term Operating Cash Flow Coverage
 35.07 61.86 0.00 1.35 0.78
Net Current Asset Value
$ -2.51B$ -2.76B$ -2.79B$ -2.89B$ -2.93B
Leverage Ratios
Debt-to-Assets Ratio
 0.85 0.86 0.87 0.95 0.91
Debt-to-Equity Ratio
 6.54 7.21 7.98 7.98 6.00
Debt-to-Capital Ratio
 0.87 0.88 0.89 0.89 0.86
Long-Term Debt-to-Capital Ratio
 0.87 0.88 0.89 0.88 0.84
Financial Leverage Ratio
 7.69 8.35 9.12 8.44 6.60
Debt Service Coverage Ratio
 0.26 0.28 -0.12 -0.27 -0.07
Interest Coverage Ratio
 0.20 0.19 -0.48 -1.41 -0.81
Debt to Market Cap
 7.26 11.08 17.91 22.19 17.94
Interest Debt Per Share
 58.56 63.57 75.84 92.42 102.87
Net Debt to EBITDA
 32.49 31.65 -43.15 -15.78 -114.76
Profitability Margins
Gross Profit Margin
70.20%63.68%55.35%61.00%87.32%
EBIT Margin
5.83%6.92%-21.59%-55.13%-10.26%
EBITDA Margin
11.32%13.41%-12.00%-43.20%-3.78%
Operating Profit Margin
5.83%6.92%-21.59%-55.13%-10.26%
Pretax Profit Margin
5.83%6.92%-21.59%-55.13%-10.26%
Net Profit Margin
2.84%3.96%-14.75%-39.11%-10.60%
Continuous Operations Profit Margin
2.84%3.96%-14.75%-39.11%-10.60%
Net Income Per EBT
48.74%57.28%68.31%70.94%103.26%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.62%0.77%-2.44%-5.27%-2.15%
Return on Equity (ROE)
4.95%6.47%-22.24%-44.50%-14.20%
Return on Capital Employed (ROCE)
1.28%1.36%-3.60%-8.23%-2.32%
Return on Invested Capital (ROIC)
0.62%13.89%-2.46%-5.33%-2.11%
Return on Tangible Assets
0.64%0.79%-2.51%-5.46%-2.24%
Earnings Yield
4.99%9.97%-50.25%-124.81%-42.98%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 63.56 52.39 65.96
Payables Turnover
 12.39 13.28 13.52 13.09 5.14
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 61.25 67.80 41.83 16.38 17.91
Asset Turnover
 0.22 0.20 0.17 0.13 0.20
Working Capital Turnover Ratio
 3.38 8.86 -6.55 -2.09 -3.06
Cash Conversion Cycle
 -29.46 -27.49 -21.26 -20.91 -65.53
Days of Sales Outstanding
 0.00 0.00 5.74 6.97 5.53
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 29.46 27.49 27.00 27.88 71.06
Operating Cycle
 0.00 0.00 5.74 6.97 5.53
Cash Flow Ratios
Operating Cash Flow Per Share
 8.60 8.64 9.75 10.65 7.55
Free Cash Flow Per Share
 8.35 8.13 9.28 9.80 6.06
CapEx Per Share
 0.25 0.51 0.48 0.85 1.49
Free Cash Flow to Operating Cash Flow
 0.97 0.94 0.95 0.92 0.80
Dividend Paid and CapEx Coverage Ratio
 34.17 16.99 20.51 12.56 5.07
Capital Expenditure Coverage Ratio
 34.17 16.99 20.51 12.56 5.07
Operating Cash Flow Coverage Ratio
 0.16 0.15 0.14 0.12 0.08
Operating Cash Flow to Sales Ratio
 0.61 0.65 0.74 0.85 0.34
Free Cash Flow Yield
111.41%153.68%239.07%250.72%110.01%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 19.98 9.98 -1.99 -0.80 -2.33
Price-to-Sales (P/S) Ratio
 0.53 0.40 0.29 0.31 0.25
Price-to-Book (P/B) Ratio
 0.96 0.65 0.44 0.36 0.33
Price-to-Free Cash Flow (P/FCF) Ratio
 0.90 0.65 0.42 0.40 0.91
Price-to-Operating Cash Flow Ratio
 0.93 0.61 0.40 0.37 0.73
Price-to-Earnings Growth (PEG) Ratio
 0.09 -0.08 0.03 >-0.01 <0.01
Price-to-Fair Value
 0.96 0.65 0.44 0.36 0.33
Enterprise Value Multiple
 37.22 34.61 -45.60 -16.51 -121.27
Enterprise Value
 2.89B 2.96B 2.92B 3.28B 3.37B
EV to EBITDA
 37.22 34.61 -45.60 -16.51 -121.27
EV to Sales
 4.21 4.64 5.47 7.13 4.59
EV to Free Cash Flow
 7.07 7.60 7.80 9.08 16.91
EV to Operating Cash Flow
 6.86 7.16 7.42 8.35 13.58
Tangible Book Value Per Share
 6.95 6.65 6.62 7.86 12.42
Shareholders’ Equity Per Share
 8.32 8.15 8.77 10.97 16.68
Tax and Other Ratios
Effective Tax Rate
 0.51 0.43 0.32 0.29 -0.03
Revenue Per Share
 14.01 13.32 13.22 12.48 22.35
Net Income Per Share
 0.40 0.53 -1.95 -4.88 -2.37
Tax Burden
 0.49 0.57 0.68 0.71 1.03
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.30 0.29 0.39 0.42 0.29
Stock-Based Compensation to Revenue
 <0.01 0.00 0.02 0.04 0.04
Income Quality
 21.59 16.40 -5.00 -2.18 -3.19
Currency in USD