Oportun Financial Corp
Research Oportun Financial Corp (OPRT) on Bullrun: valuation model: 34.3% overvalued, market cap USD 345.08M, P/E 18.8. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerOPRT
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal34.3% overvalued
- Market capUSD 345.08M
- P/E18.8
- Financial periodQ2 2026
- RevenueUSD 105.63M
- Net incomeUSD 8.54M
- Free cash flowUSD 103.05M
Valuation Snapshot
Bullrun's latest valuation model marks Oportun Financial Corp as 34.3% overvalued; latest market cap is USD 345.08M; P/E is 18.8.
Peer valuation comparison
Latest P/E is 18.81x versus a Financial Services sector median of 13.84x (35.9% above).
Latest P/E is 18.81x versus a United States median of 24.87x (24.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 19.47M | USD 25.25M | USD 389.08M | n/a | 0.53 | USD 105.53M | USD 2.81B | USD 390.08M |
| FY2024 | USD 22.67M | -USD 78.68M | USD 374.34M | n/a | -1.95 | USD 59.97M | USD 2.82B | USD 353.81M |
| FY2023 | USD 25.57M | -USD 179.95M | n/a | n/a | -4.88 | USD 91.19M | USD 2.94B | USD 404.40M |
| FY2022 | USD 31.19M | -USD 77.74M | USD 241.88M | n/a | -2.37 | USD 98.82M | USD 241.84M | USD 547.60M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 345.08M | 18.8 | n/a | n/a |
| 2025 | 2025-12-31 | USD 235.07M | 10.0 | n/a | n/a |
| 2024 | 2024-12-31 | USD 140.11M | n/a | n/a | n/a |
| 2023 | 2023-12-29 | USD 133.84M | n/a | n/a | n/a |
| 2022 | 2022-12-30 | USD 182.89M | n/a | n/a | n/a |
| 2021 | 2021-12-31 | USD 648.09M | 13.1 | n/a | n/a |
About Oportun Financial Corp
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.
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Frequently asked questions
Is Oportun Financial Corp overvalued or undervalued?
Bullrun's valuation model currently marks Oportun Financial Corp as 34.3% overvalued.
What is Oportun Financial Corp's market cap?
Oportun Financial Corp's market capitalization is USD 345.08M.
What is Oportun Financial Corp's P/E ratio?
Oportun Financial Corp's price-to-earnings (P/E) ratio is 18.8.
What does Oportun Financial Corp do?
Oportun Financial Corporation provides financial services in the United States. The company offers personal loans and credit cards. It serves customers through online and over the phone, as well as through retail and Lending as a Service partner locations. The company was founded in 2005 and is headquartered in San Mateo, California.