Historical Valuation
Oportun Financial Corp (OPRT) is now in the Fair zone, suggesting that its current forward PE ratio of 3.67 is considered Fairly compared with the five-year average of 6.77. The fair price of Oportun Financial Corp (OPRT) is between 2.31 to 17.41 according to relative valuation methord.
Relative Value
Fair Zone
2.31-17.41
Current Price：5.26
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Oportun Financial Corp (OPRT) has a current Price-to-Book (P/B) ratio of 0.58. Compared to its 3-year average P/B ratio of 0.44 , the current P/B ratio is approximately 31.55% higher. Relative to its 5-year average P/B ratio of 0.62, the current P/B ratio is about -5.81% higher. Oportun Financial Corp (OPRT) has a Forward Free Cash Flow (FCF) yield of approximately 177.34%. Compared to its 3-year average FCF yield of 248.85%, the current FCF yield is approximately -28.74% lower. Relative to its 5-year average FCF yield of 168.73% , the current FCF yield is about 5.11% lower.
P/B
Median3y
0.44
Median5y
0.62
FCF Yield
Median3y
248.85
Median5y
168.73
Competitors Valuation Multiple
AI Analysis for OPRT
The average P/S ratio for OPRT competitors is 0.59, providing a benchmark for relative valuation. Oportun Financial Corp Corp (OPRT.O) exhibits a P/S ratio of 0.23, which is -61.31% above the industry average. Given its robust revenue growth of -4.51%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for OPRT
1Y
3Y
5Y
Market capitalization of OPRT increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of OPRT in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is OPRT currently overvalued or undervalued?
Oportun Financial Corp (OPRT) is now in the Fair zone, suggesting that its current forward PE ratio of 3.67 is considered Fairly compared with the five-year average of 6.77. The fair price of Oportun Financial Corp (OPRT) is between 2.31 to 17.41 according to relative valuation methord.
What is Oportun Financial Corp (OPRT) fair value?
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. The fair price of Oportun Financial Corp (OPRT) is between 2.31 to 17.41 according to relative valuation methord.
How does OPRT's valuation metrics compare to the industry average?
The average P/S ratio for OPRT's competitors is 0.59, providing a benchmark for relative valuation. Oportun Financial Corp Corp (OPRT) exhibits a P/S ratio of 0.23, which is -61.31% above the industry average. Given its robust revenue growth of -4.51%, this premium appears unsustainable.
What is the current P/B ratio for Oportun Financial Corp (OPRT) as of Jan 11 2026?
As of Jan 11 2026, Oportun Financial Corp (OPRT) has a P/B ratio of 0.58. This indicates that the market values OPRT at 0.58 times its book value.
What is the current FCF Yield for Oportun Financial Corp (OPRT) as of Jan 11 2026?
As of Jan 11 2026, Oportun Financial Corp (OPRT) has a FCF Yield of 177.34%. This means that for every dollar of Oportun Financial Corp’s market capitalization, the company generates 177.34 cents in free cash flow.
What is the current Forward P/E ratio for Oportun Financial Corp (OPRT) as of Jan 11 2026?
As of Jan 11 2026, Oportun Financial Corp (OPRT) has a Forward P/E ratio of 3.67. This means the market is willing to pay $3.67 for every dollar of Oportun Financial Corp’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Oportun Financial Corp (OPRT) as of Jan 11 2026?
As of Jan 11 2026, Oportun Financial Corp (OPRT) has a Forward P/S ratio of 0.23. This means the market is valuing OPRT at $0.23 for every dollar of expected revenue over the next 12 months.