Oportun Financial(OPRT)
$11.65+0.03 (+3.01%)
OPRT
Oportun Financial financials statements
$11.65
At close:+0.03 (+3.01%)
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Oportun Financial (OPRT) Ratios
208 Followers
Oportun Financial Ratios
OPRT's free cash flow for Q3 2026 was $113.16M. For the 2026 fiscal year, OPRT's free cash flow was decreased by $-5.74M and operating cash flow was $118.90M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 9.17 | 2.66 | 0.35 | 0.37 | 0.43 |
| Quick Ratio | 9.17 | 2.66 | 0.35 | 0.37 | 0.43 |
| Cash Ratio | 9.17 | 2.00 | 0.28 | 0.27 | 0.30 |
| Solvency Ratio | 0.02 | -0.01 | -0.04 | -0.01 | 0.03 |
| Operating Cash Flow Ratio | 35.95 | 13.09 | 1.20 | 0.68 | 0.37 |
| Short-Term Operating Cash Flow Coverage | 61.86 | 0.00 | 1.35 | 0.78 | 0.41 |
| Net Current Asset Value | $ -2.76B | $ -2.79B | $ -2.89B | $ -2.93B | $ -2.15B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.86 | 0.87 | 0.95 | 0.91 | 0.88 |
| Debt-to-Equity Ratio | 7.21 | 7.98 | 7.98 | 6.00 | 4.31 |
| Debt-to-Capital Ratio | 0.88 | 0.89 | 0.89 | 0.86 | 0.81 |
| Long-Term Debt-to-Capital Ratio | 0.88 | 0.89 | 0.88 | 0.84 | 0.78 |
| Financial Leverage Ratio | 8.35 | 9.12 | 8.44 | 6.60 | 4.88 |
| Debt Service Coverage Ratio | 0.28 | -0.12 | -0.27 | -0.07 | 0.17 |
| Interest Coverage Ratio | 0.19 | -0.48 | -1.41 | -0.81 | 1.32 |
| Debt to Market Cap | 11.08 | 17.91 | 22.19 | 17.94 | 4.47 |
| Interest Debt Per Share | 63.57 | 75.84 | 92.42 | 102.87 | 93.96 |
| Net Debt to EBITDA | 31.65 | -43.15 | -15.78 | -114.76 | 27.48 |
| Profitability Margins | |||||
| Gross Profit Margin | 63.68% | 55.35% | 61.00% | 87.32% | 91.75% |
| EBIT Margin | 6.92% | -21.59% | -55.13% | -10.26% | 10.86% |
| EBITDA Margin | 13.41% | -12.00% | -43.20% | -3.78% | 15.55% |
| Operating Profit Margin | 6.92% | -21.59% | -55.13% | -10.26% | 10.86% |
| Pretax Profit Margin | 6.92% | -21.59% | -55.13% | -10.26% | 10.86% |
| Net Profit Margin | 3.96% | -14.75% | -39.11% | -10.60% | 8.20% |
| Continuous Operations Profit Margin | 3.96% | -14.75% | -39.11% | -10.60% | 8.20% |
| Net Income Per EBT | 57.28% | 68.31% | 70.94% | 103.26% | 75.51% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.77% | -2.44% | -5.27% | -2.15% | 1.61% |
| Return on Equity (ROE) | 6.47% | -22.24% | -44.50% | -14.20% | 7.85% |
| Return on Capital Employed (ROCE) | 1.36% | -3.60% | -8.23% | -2.32% | 2.51% |
| Return on Invested Capital (ROIC) | 13.89% | -2.46% | -5.33% | -2.11% | 1.64% |
| Return on Tangible Assets | 0.79% | -2.51% | -5.46% | -2.24% | 1.75% |
| Earnings Yield | 9.97% | -50.25% | -124.81% | -42.98% | 8.31% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 63.56 | 52.39 | 65.96 | 16.88 |
| Payables Turnover | 13.28 | 13.52 | 13.09 | 5.14 | 4.10 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 67.80 | 41.83 | 16.38 | 17.91 | 11.97 |
| Asset Turnover | 0.20 | 0.17 | 0.13 | 0.20 | 0.20 |
| Working Capital Turnover Ratio | 8.86 | -6.55 | -2.09 | -3.06 | -3.36 |
| Cash Conversion Cycle | -27.49 | -21.26 | -20.91 | -65.53 | -67.35 |
| Days of Sales Outstanding | 0.00 | 5.74 | 6.97 | 5.53 | 21.62 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 27.49 | 27.00 | 27.88 | 71.06 | 88.97 |
| Operating Cycle | 0.00 | 5.74 | 6.97 | 5.53 | 21.62 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 8.64 | 9.75 | 10.65 | 7.55 | 5.80 |
| Free Cash Flow Per Share | 8.13 | 9.28 | 9.80 | 6.06 | 4.86 |
| Dividend Paid and CapEx Coverage Ratio | 16.99 | 20.51 | 12.56 | 5.07 | 6.17 |
| Capital Expenditure Coverage Ratio | 16.99 | 20.51 | 12.56 | 5.07 | 6.17 |
| Operating Cash Flow Coverage Ratio | 0.15 | 0.14 | 0.12 | 0.08 | 0.06 |
| Operating Cash Flow to Sales Ratio | 0.65 | 0.74 | 0.85 | 0.34 | 0.28 |
| Free Cash Flow Yield | 153.68% | 239.07% | 250.72% | 110.01% | 23.99% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.98 | -1.99 | -0.80 | -2.33 | 12.04 |
| Price-to-Sales (P/S) Ratio | 0.40 | 0.29 | 0.31 | 0.25 | 0.99 |
| Price-to-Book (P/B) Ratio | 0.65 | 0.44 | 0.36 | 0.33 | 0.95 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 0.65 | 0.42 | 0.40 | 0.91 | 4.17 |
| Price-to-Operating Cash Flow Ratio | 0.61 | 0.40 | 0.37 | 0.73 | 3.49 |
| Price-to-Earnings Growth (PEG) Ratio | -0.08 | 0.03 | -0.01 | 0.01 | -0.06 |
| Enterprise Value Multiple | 34.61 | -45.60 | -16.51 | -121.27 | 33.83 |
| Enterprise Value | 2.96B | 2.92B | 3.28B | 3.37B | 3.04B |
| EV to EBITDA | 34.61 | -45.60 | -16.51 | -121.27 | 33.83 |
| EV to Sales | 4.64 | 5.47 | 7.13 | 4.59 | 5.26 |
| EV to Free Cash Flow | 7.60 | 7.80 | 9.08 | 16.91 | 22.20 |
| EV to Operating Cash Flow | 7.16 | 7.42 | 8.35 | 13.58 | 18.61 |
| Tangible Book Value Per Share | 6.65 | 6.62 | 7.86 | 12.42 | 13.08 |
| Shareholders’ Equity Per Share | 8.15 | 8.77 | 10.97 | 16.68 | 21.42 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.43 | 0.32 | 0.29 | -0.03 | 0.24 |
| Revenue Per Share | 13.32 | 13.22 | 12.48 | 22.35 | 20.51 |
| Net Income Per Share | 0.53 | -1.95 | -4.88 | -2.37 | 1.68 |
| Tax Burden | 0.57 | 0.68 | 0.71 | 1.03 | 0.76 |
| 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 | 0.29 | 0.39 | 0.42 | 0.29 | 0.27 |
| Stock-Based Compensation to Revenue | 0.00 | 0.02 | 0.04 | 0.04 | 0.03 |
| Income Quality | 16.40 | -5.00 | -2.18 | -3.19 | 3.45 |
Currency in USD
