OPRT Relative Valuation
OPRT's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, OPRT is overvalued; if below, it's undervalued.
Historical Valuation
Oportun Financial Corp (OPRT) is now in the Fair zone, suggesting that its current forward PE ratio of 3.83 is considered Fairly compared with the five-year average of 6.90. The fair price of Oportun Financial Corp (OPRT) is between 2.76 to 17.25 according to relative valuation methord.
Relative Value
Fair Zone
2.76-17.25
Current Price：5.25
Fair
3.82
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Oportun Financial Corp. (OPRT) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Oportun Financial Corp. (OPRT) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
0.24
PS
Oportun Financial Corp. (OPRT) has a current PS of 0.24. The 5-year average PS is 0.35. The thresholds are as follows: Strongly Undervalued below -0.22, Undervalued between -0.22 and 0.06, Fairly Valued between 0.64 and 0.06, Overvalued between 0.64 and 0.93, and Strongly Overvalued above 0.93. The current Forward PS of 0.24 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Oportun Financial Corp. (OPRT) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Oportun Financial Corp. (OPRT) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Oportun Financial Corp (OPRT) has a current Price-to-Book (P/B) ratio of 0.61. Compared to its 3-year average P/B ratio of 0.43 , the current P/B ratio is approximately 40.15% higher. Relative to its 5-year average P/B ratio of 0.63, the current P/B ratio is about -3.00% higher. Oportun Financial Corp (OPRT) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 247.13%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 166.30% , the current FCF yield is about -100.00% lower.
0.61
P/B
Median3y
0.43
Median5y
0.63
169.63
FCF Yield
Median3y
247.13
Median5y
166.30
Competitors Valuation Multiple
The average P/S ratio for OPRT's competitors is 0.00, providing a benchmark for relative valuation. Oportun Financial Corp Corp (OPRT) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of -4.51%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of OPRT increased by 35.82% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 3.09 to 7.98.
The secondary factor is the Revenue Growth, contributed -4.51%to the performance.
Overall, the performance of OPRT in the past 1 year is driven by P/E Change. Which is more unsustainable.
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FAQ
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