OPRT Valuation

Oportun Financial Corp

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6.130

-0.23(-3.616%)1D

Overview
Forecast
Valuation
Earnings

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 5.46 is considered Fairly compared with the five-year average of 7.76. The fair price of Oportun Financial Corp (OPRT) is between 3.45 to 16.27 according to relative valuation methord.

Relative Value

Fair Zone

3.45-16.27

Current Price：6.13

Fair

5.46

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.

0.28

Oportun Financial Corp. (OPRT) has a current PS of 0.28. The 5-year average PS is 0.38. The thresholds are as follows: Strongly Undervalued below -0.22, Undervalued between -0.22 and 0.08, Fairly Valued between 0.68 and 0.08, Overvalued between 0.68 and 0.98, and Strongly Overvalued above 0.98. The current Forward PS of 0.28 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 0.65. Compared to its 3-year average P/B ratio of 0.39 , the current P/B ratio is approximately 67.41% higher. Relative to its 5-year average P/B ratio of 0.64, the current P/B ratio is about 1.70% higher. Oportun Financial Corp (OPRT) has a Forward Free Cash Flow (FCF) yield of approximately 147.84%. Compared to its 3-year average FCF yield of 242.15%, the current FCF yield is approximately -38.95% lower. Relative to its 5-year average FCF yield of 158.27% , the current FCF yield is about -6.59% lower.

0.65

P/B

Median3y

0.39

Median5y

0.64

147.84

FCF Yield

Median3y

242.15

Median5y

158.27

Competitors Valuation Multiple

The average P/S ratio for OPRT's competitors is 14.57, providing a benchmark for relative valuation. Oportun Financial Corp Corp (OPRT) exhibits a P/S ratio of 0.28, which is -98.05% above the industry average. Given its robust revenue growth of -5.82%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

OPRT.O

Oportun Financial Corp

DeFi Development Corp

Antalpha Platform Holding Co

Smart Share Global Ltd

Waterstone Financial Inc

Greystone Housing Impact Investors LP

2.46

-22.99%

257.61M

Performance Decomposition

Market capitalization of OPRT increased by 107.17% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -1.79 to -6.29.

The secondary factor is the Revenue Growth, contributed -5.82%to the performance.

Overall, the performance of OPRT in the past 1 year is driven by P/E Change. Which is more unsustainable.

-5.82%

250.48M → 235.90M

Revenue Growth

-139.20%

-10.56 → 4.14

Margin Expansion

252.19%

-1.79 → -6.29

P/E Change

107.17%